Pix Evolution and Implementation

SUMMARY PRESENTATION IDEALIZATION EVOLUTION NUMBERS FUTURE R$50 R$ R$ Payer Settlement account provider Transactional account provider Payment initiation service provider* INFOGRAPHIC 2 Pix Ecosystem DICT SPI * Interface with Open Finance, incorporated in the Pix ecosystem in Oct, 2021. 10000 In just a few months of operation, Pix became a success among Brazilians, gaining prominence in the media and breaking adoption records when compared to any other instant payment method implemented in the world. ED INFOGRAPHIC 3 Why making Pix transfers became so popular in Brazil? Pix is: $ Settlement account provider Fast Money is available on payee's account in just a few seconds. Cheap Free for individuals and cheaper to businesses. Transactional account provider Integrated Transaction information go along with the payment order, facilitating the reconciliation, the processes automation and the integration between systems. Open Pix can be offered by a diverse range of institutions (traditional and digital banking, fintechs, credit cooperatives, etc), competitive environment and interoperable. Versatile Make payments feasible in multiple situations ("any use case" approach). Available 24 hours a day, every day of the year, including on weekends and holidays. R$ Payee Easy Simple, intuitive, and focused on smartphones usage, either by phone number aliases or by QR codes scanning. Safe Transactions go through the National Financial System Network (RFSN) and are under robust mechanisms to ensure security. 8

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