{"slug": "pix", "name": "PIX", "category": "finance", "category_name": "Finance", "description": "", "recommenders": 4, "commenters": 4, "warners": 0, "score": 3.527, "rising": -1.31, "first": "2025-12-08", "latest": "2026-06-05", "why": "Its just better - its one of those \"you gotta use it to understand\" things.", "why_is_quote": true, "has_verdict": false, "sentiment": {"recommend": 4, "neutral": 0, "compare": 0, "warn": 0}, "spark": [0, 1, 0, 0, 0, 0, 2, 1, 0, 0, 0, 0], "listed": true, "loved": [], "caveat": "", "short_quote": "Its just better - its one of those \"you gotta use it to understand\" things.", "kind": "", "icon": false, "domain": null, "github_repo": null, "official_url": "https://www.bcb.gov.br/estabilidadefinanceira/pix", "pricing": "", "aliases": ["PIX", "Pix"], "verdict": null, "praise": [{"label": "", "summary": "", "quotes": [{"id": 774653664, "item_id": 48415854, "url": "https://news.ycombinator.com/item?id=48415854", "by": "toomuchtodo", "date": "2026-06-05", "stance": "recommend", "quote": "Brazil's central bank operates their instant payment network Pix", "excerpt": "Brazil's central bank operates their instant payment network Pix [1] [2] [3] for ~$10M/year [4]. Its not that these are small contracts, but that large, inefficient, unnecessary contracts have become the norm (I argue). Similar example from India's UPI payment system [5]. The US has FedNow to move instant payments for pennies, but banking and payment system participants in the US ecosystem are avoiding it to continue", "context": "", "use_case": "Instant bank payments", "switched_from": "", "story": "Gov.uk goes Dutch on payments as it dumps Stripe"}, {"id": 771393088, "item_id": 48212068, "url": "https://news.ycombinator.com/item?id=48212068", "by": "dormento", "date": "2026-05-20", "stance": "recommend", "quote": "Its just better - its one of those \"you gotta use it to understand\" things.", "excerpt": "(Brazilian here). > Do corner stores (small informal convenience stores) in Brasil usually accept PIX? I assume they all cash-only. Pretty much every single one I've always been to. From the smallest one-person street corner popup shop to the biggest shopping mall boutique and outlets, virtually everyone accepts PIX payments. Its just better - its one of those \"you gotta use it to understand\" things. Anecdotally: I'v", "context": "Brazilian", "use_case": "Instant bank transfers", "switched_from": "", "story": "Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment"}, {"id": 771361184, "item_id": 48210074, "url": "https://news.ycombinator.com/item?id=48210074", "by": "throwaway2037", "date": "2026-05-20", "stance": "recommend", "quote": "PIX sounds insanely good!", "excerpt": "This is a brilliant response. I love personal anecdotes like this that meaningfully contribute to a better conversation on HN. First: PIX sounds insanely good! I wish I had it where I live. My follow-up question: Can anyone with experience with India's Unified Payments Interface (UPI) comment about capabilities compared to PIX? It is frequently lauded as one of the best e/mobile payment services in the (developing) w", "context": "", "use_case": "", "switched_from": "", "story": "Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment"}, {"id": 739226352, "item_id": 46201647, "url": "https://news.ycombinator.com/item?id=46201647", "by": "pjmlp", "date": "2025-12-08", "stance": "recommend", "quote": "Yes, Pix.", "excerpt": "Yes, Pix. https://devblogs.microsoft.com/pix/ This is yet another problem with Khronos APIs, expecting each vendor comes up with a debugger, some do, some don't. At least nowadays there is RenderDoc. On the Web after a decade, it is still pixel debugging, or trying to reproduce the bug on a native APIs, because why bother with such devtools.", "context": "", "use_case": "GPU graphics debugging", "switched_from": "", "story": "AMD GPU Debugger"}]}], "caveats": [], "who": [{"by": "dormento", "context": "Brazilian", "url": "https://news.ycombinator.com/item?id=48212068", "date": "2026-05-20"}], "tags": [], "use_cases": ["instant bank payments", "instant bank transfers", "gpu graphics debugging"], "compared": [{"slug": "upi", "name": "UPI", "co": 3, "switched_from": 0, "switched_to": 0}], "makers": [], "threads": [{"url": "https://news.ycombinator.com/item?id=48207004", "title": "Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment", "mentions": 2}, {"url": "https://news.ycombinator.com/item?id=48415217", "title": "Gov.uk goes Dutch on payments as it dumps Stripe", "mentions": 1}, {"url": "https://news.ycombinator.com/item?id=46193931", "title": "AMD GPU Debugger", "mentions": 1}], "sentiment_by_month": {"2025-11": {}, "2025-12": {"recommend": 1}, "2026-01": {}, "2026-02": {}, "2026-03": {}, "2026-04": {}, "2026-05": {"recommend": 2}, "2026-06": {"recommend": 1}, "2026-07": {}, "2026-08": {}, "2026-09": {}, "2026-10": {}}, "quotes": [{"id": 774653664, "item_id": 48415854, "url": "https://news.ycombinator.com/item?id=48415854", "by": "toomuchtodo", "date": "2026-06-05", "stance": "recommend", "quote": "Brazil's central bank operates their instant payment network Pix", "excerpt": "Brazil's central bank operates their instant payment network Pix [1] [2] [3] for ~$10M/year [4]. Its not that these are small contracts, but that large, inefficient, unnecessary contracts have become the norm (I argue). Similar example from India's UPI payment system [5]. The US has FedNow to move instant payments for pennies, but banking and payment system participants in the US ecosystem are avoiding it to continue", "context": "", "use_case": "Instant bank payments", "switched_from": "", "story": "Gov.uk goes Dutch on payments as it dumps Stripe"}, {"id": 771393088, "item_id": 48212068, "url": "https://news.ycombinator.com/item?id=48212068", "by": "dormento", "date": "2026-05-20", "stance": "recommend", "quote": "Its just better - its one of those \"you gotta use it to understand\" things.", "excerpt": "(Brazilian here). > Do corner stores (small informal convenience stores) in Brasil usually accept PIX? I assume they all cash-only. Pretty much every single one I've always been to. From the smallest one-person street corner popup shop to the biggest shopping mall boutique and outlets, virtually everyone accepts PIX payments. Its just better - its one of those \"you gotta use it to understand\" things. Anecdotally: I'v", "context": "Brazilian", "use_case": "Instant bank transfers", "switched_from": "", "story": "Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment"}, {"id": 771361184, "item_id": 48210074, "url": "https://news.ycombinator.com/item?id=48210074", "by": "throwaway2037", "date": "2026-05-20", "stance": "recommend", "quote": "PIX sounds insanely good!", "excerpt": "This is a brilliant response. I love personal anecdotes like this that meaningfully contribute to a better conversation on HN. First: PIX sounds insanely good! I wish I had it where I live. My follow-up question: Can anyone with experience with India's Unified Payments Interface (UPI) comment about capabilities compared to PIX? It is frequently lauded as one of the best e/mobile payment services in the (developing) w", "context": "", "use_case": "", "switched_from": "", "story": "Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment"}, {"id": 739226352, "item_id": 46201647, "url": "https://news.ycombinator.com/item?id=46201647", "by": "pjmlp", "date": "2025-12-08", "stance": "recommend", "quote": "Yes, Pix.", "excerpt": "Yes, Pix. https://devblogs.microsoft.com/pix/ This is yet another problem with Khronos APIs, expecting each vendor comes up with a debugger, some do, some don't. At least nowadays there is RenderDoc. On the Web after a decade, it is still pixel debugging, or trying to reproduce the bug on a native APIs, because why bother with such devtools.", "context": "", "use_case": "GPU graphics debugging", "switched_from": "", "story": "AMD GPU Debugger"}]}