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To begin with, conglomerates having a payment institution on the apex would then facial area reduced funds requirements, which contributed for their competitive gain versus big banking companies. Lately, the authorities have tackled this difficulty by creating commensurate money rules among both of these varieties of conglomerate products.

Participation by significant banks is obligatory. The greatest banks inside the system labored jointly to overcome interoperability challenges and developed a powerful network from the start.

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Members that drop outside the house the regulatory perimeter should give payment services but only indirectly by under-going a regulated establishment. They have to however satisfy specified needs founded through the BCB, which include (i) a signed agreement having an present direct participant; (ii) the technological and operational capacity to work inside the Pix process; and (ii) equity of no less than BRL one million.

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