Podcast about the subject Listen on Spotify
The digital payments economy hits record highs and signals a new cycle.
In just nine months of 2025, Pix generated savings of R$38.3 billion for Brazilian businesses and consumers—more than the entire year of 2024, when savings totaled R$33 billion. This result reinforces the strength of the instant payment system, which has accumulated R$117 billion in direct savings since its launch.
The survey by the Brazilian Competitive Movement (MBC) points to two main factors behind the growth: the consistent drop in TED (Electronic Funds Transfer) fees and the accelerated migration of person-to-business (P2B) transactions to Pix, whose fees are significantly lower than those of debit cards.
What has changed in transaction behavior?
The mass adoption of Pix reflects a transformation in the Brazilian payments ecosystem. Businesses and individuals have gradually abandoned traditional transfer mechanisms in favor of the more efficient platform. This movement, however, is beginning to signal a turning point.
According to MBC's analysis, "this behavior reinforces the magnitude of adoption, but also indicates a scenario in which some of the gains from simply replacing traditional methods tend to stabilize." This statement suggests that the main efficiency gains have already been captured and that further progress will require investments in system modernization.
Next challenges
Reaching this level of efficiency so quickly demonstrates both the strength of Pix and the need to prepare the system for a new cycle. The platform, which revolutionized the payments sector in Brazil in just a few years, now faces the challenge of continuing to generate efficiency without relying solely on replacing old mechanisms.
The numbers show a mature and consolidated market, where the next wave of gains will come from genuine innovation, not just technological migration.
Photo by SumUp on Unsplash
English