I will never condemn caution, even more so for financial systems. International institutions such as the Bank of International Settlements have recognized PIX

I will never condemn caution, even more so for financial systems. International institutions such as the Bank of International Settlements have recognized PIX as a successful case: https://www.bis.org/publ/bisbull52.htm https://www.bis.org/publ/bisbull52.htm A similar service has been prepared for years, and US Federal Reserve will launch FedNow this July: https://explore.fednow.org/ https://explore.fednow.org/