Pix Evolution and Implementation
SUMMARY
PRESENTATION
IDEALIZATION
EVOLUTION
NUMBERS
FUTURE
Chart 3.2.2-Aliases categories
39%
19%
- 18%
25%
■Mobile phone
E-mail
■Random string
■Tax ID number
Source: BCB
23%
42%
15%
3.3 Users
3.3.1 Individuals
Pix has a wide reach among the Brazilian adult population and is has been
widely used in all regions throughout the country. By December 2022, 133
million individuals had already made or received at least one Pix transfer,
which is equivalent to 77% of the adult population 25 (Chart 3.3.1). In 20 units
of the federation, i.e. states, the percentage of adult Pix users is greater than
70%, especially in the state of Roraima and the Federal District, where the
adult users' percentage is greater than 90%. Even among the lowest ranked
states, in Maranhão and Piauí, the percentage of Pix adult users is still above
60% (Chart 3.3.2).
Chart 3.3.1 - Individuals who already sent or received transfers via Pix
20%
Pix has features for alias management by users, such as portability and
ownership claim. The portability of aliases guarantee flexibility to users, since
it allows for the easy migration of aliases between institutions participating
in Pix with which the alias owner maintains a relationship. Ownership claim
is the functionality that allows a user to change both alias and account to
another user ownership. Since the launch of Pix, approximately 35 million
portability processes have been made and 2.5 million claim processes have
been completed (Chart 3.2.3). Together, both functionalities represent an
average of 1.4 million completed processes per month.
14
49
67
33
nov jan mar may
2020 2021
Chart 3.2.3 - Aliases Portabilities and Claims
# (millions)
2.0
1.6
1.2
0.8
0.4
% Total Aliases
1.5%
1.2%
0.9%
0.6%
0.3%
0.0
0.0%
nov jan mar
may jul sep nov
2020 2021
jan mar may jul
2022
sep nov
Portabilities
Claims
Port+ Claims(right axis)
Source: BCB
Source: BCB
Millions
132
140
128
125
121
116
112
107
101
112
94
94
84
===
50
56
Chart 3.3.2
Individuals who already sent or received transfers via Pix relative to the adult
population, by federal unit
Transactions between Nov/20 to Dec/22
Source: BCB
104%
78%
69%
73%
68%
69%
69%
73%
69%
70%
69%
77%
84%
74%
70%
71%
72%
90%
76%
74%
75%
80%
84%
80%
78%
74%
76%
Da plataforma Bing
O Microsoft, OpenStreetMap
The frequency of Pix usage is relevant in all regions of Brazil. If we only consider
individuals who have already made or received a Pix transfer, the Northern
region stands out, with 21 transactions per person, followed by the Northeast
region with an average of 19 transactions per person. Individually, Amazonas
and Amapá are the states with the highest number of Pix per user in this
indicator, with 26 and 24 transactions respectively (Chart 3.3.3).
28
Chart 3.3.3 - Number of transactions per users (individuals) by federal unit
Transactions between Nov/20 to Dec/22
0
jul
sep nov
jan mar may jul
2022
sep
nov
Payees
Payers
Total users (individuals)
Source: BCB
24
22
26
20
20
20
18
19
20
20
18
19
20
20
17
19
20
19
19
16
18
19
17
19
16
16
15
Da plataforma Bing
Microsoft, OpenStreetMap
25 Population over 14 years old, according to the Continuous PNAD - National Household Sample Survey, available at: https://www.ibge.gov.br/
estatisticas/sociais/trabalho/9173-pesquisa-nacional-por-amostra-de-domicilios-continua-trimestral.html?=&t=results
Transfers and payments through Pix are mostly made by adults aged 20 to
39 years old. However, the proportion of transactions by users aged between
30 and 39 years old fell from 36%, in November 2020, to 31% in December
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