The Pix evolutionary agenda for the coming years was presented by the Central Bank during the PIX Forum. It represents the continued technological advancement of Brazil’s financial sector — expanding Pix’s reach, consolidating its role as a payment infrastructure, and redefining business model opportunities, especially within the fintech ecosystem.
The introduction of functionalities like Pix Automatic (scheduled for June 2025), Pix Installments (planned for September), and Tap-to-Pay Pix offers fintechs new paths for monetization, customer loyalty, and competitive differentiation. Pix is no longer just an instant payment method — it now takes on the characteristics of a multipurpose platform, capable of supporting credit, collection, recurring payments, guarantees, and even tax collection.
In this new scenario, the ability to adapt to regulatory and technological changes becomes a strategic asset. The development of MED 2.0, expected to go live in February 2026, will require not only system adjustments but also integration with anti-fraud trails and internal compliance mechanisms. Similarly, the evolution of hybrid billing — popularly known as “Boletix” — will demand greater interoperability between payment arrangements and deeper integration with the boleto and billing ecosystems.
For fintechs operating as Payment Institutions, the agenda brings both opportunities and obligations. Changes in security rules, especially regarding device registration and usage, validation against Receita Federal databases, and new DICT guidelines, are pushing for continuous investment in governance, risk management, and secure infrastructure.
The concept of “Pix as collateral,” still under design, envisions the possibility of guaranteed credit using future Pix receivables — an area where lending fintechs and prepayment platforms may explore new formats, potentially involving blockchain or decentralized registries.
The Central Bank also indicated that it plans to regulate intermediaries in the Pix ecosystem more precisely, including payment managers and foreign exchange facilitators. This means that fintechs operating in this space must prepare for greater transparency, with clear value transfer trails and final beneficiary identification — which is also critical for managing credit risk and preventing money laundering.
Moreover, with transaction volumes growing, the expansion of SPI capacity is becoming a critical infrastructure topic. High-volume fintechs will need to consider strategies for resilience, smart caching, load balancing, and integration with multiple SPI participants, especially if they’re nearing current limits.
More than simply keeping up with these changes, fintechs must establish a continuous cycle of regulatory monitoring, scalable architecture investment, and ecosystem dialogue. Those that see this agenda not as a burden but as an innovation framework will gain a competitive edge — delivering solutions that combine fluid experience, robust security, and regulatory compliance.
Within this transformation, ABFintechs reinforces its role as a key enabler in the sector. The association is engaged in direct dialogue with the Central Bank, collaborates on proposals through technical groups (like GSEG and GT Negócios), and promotes events and content to prepare its members for this new phase. More than ever, ABFintechs’ mission is to ensure that fintechs don’t just follow Pix’s evolution — but lead its next stage.
📌 Article originally published on the ABFintechs blog