The 2m2k3r
mukurumbira we Pix MuBrazil chinhu chisingagone kukwikwidza. Kuwedzera kuwedzera, nzira yekubhadhara yakatonyora akati wandei marekodhi. Pedyo neZuva raamai gore rino, semuenzaniso, the Central Bank ed zvinopfuura mamiriyoni 73 ekutengeserana kwemari wakaita. Uyezve, mari dzakagadziriswa pazuva rimwe chete iri dzakapfuura mucherechedzo wenhoroondo we R$42,1 bhiriyoni. Pakazara, nyika ine zvinopfuura 438.476.845 makiyi akanyoreswa muhurongwa Central Bank. 6x1rp
Kuwedzera kuwanda muhupenyu hwevaBrazil, hazvina kuoma kuti zvikanganiso zviitike uye kutamiswa kunoguma kuri mumaakaundi asiri iwo. Izvi zvinogona kuitika kana mubhadhari asingatarise nemazvo ruzivo rwekuti ndiani achagamuchira mari, semuenzaniso. Asi zvekuita kana ukatumira Pix isiriyo? Uye kana zvakapesana zvikaitika togashira kukosha kwatisingazive kwayakabva? Muchikamu chino, tinopindura iyi nemimwe mibvunzo!
Pix muBrazil 54605t
Yakatangwa muna 2020, iyo Pix Misiyano yaro huru ndeyekumhanya kwayo uye kuwanikwa, sezvo nzira yekubhadhara inoshanda mazuva manomwe pasvondo, maawa makumi maviri nemana pazuva uye inotora masekonzi gumi chete kuti apedze. Inopawo kuchengetedzeka kwakakura sezvo, nekuti hapana chikonzero chekusimbisa akawanda ebhangi ruzivo, zviri nyore kuve nechokwadi chekuti kutamisa kuri kuenda kumunhu akakodzera. Uye kuita kuti zvese zvive nani, ndezvemahara kune vashandisi.
Kuti ushandise nzira yekubhadhara, unofanira kutanga wanyoresa a Pix kiyi. Zvinoenderana netsanangudzo yeCentral Bank, makiyi ePix haasi chinhu kunze kwekureruka "mazita emadunhurirwa" yakashandiswa kuratidza . Mune mamwe mazwi, iwo anomiririra kero yeakaundi yako mukati mePix system. Basa rePix kiyi nderekubatanidza iyi data inotariswa seyakakosha kuzadzisa ruzivo rwunogona kuona yemutengi (senge zvemari kana yekubhadhara, nhamba yebazi, nhamba yeakaundi uye rudzi rweakaundi).
Nokufamba kwenguva, the Central Bank yakazivisa zvinhu zvitsva, senge Pix Loot and the Pix Troco. Panyaya yekutanga, iyo yave iripo kubva gore rapfuura, vatengi vane sarudzo yekubvisa mari pazvitoro zvekutengesa kana vanopa masevhisi, kuwedzera kumapazi emabhangi. Mune mamwe mazwi, mushandisi wePix anozokwanisa kubvisa mari kubheka, nzvimbo yekupaka kana ATM. Pix Troco yakabatana nekutenga kana kupihwa kwesevhisi. Muchiitiko ichi, mushandisi anogona, semuenzaniso, kutenga R $ 20 panzvimbo yenhau uye kuendesa R $ 50 kune iyo yakatangwa, achigamuchira R $ 30 mumari.
Imwe sarudzo iripo ndeye Pix Installments. Mitemo yayo, kunyanya, yakasiyana mumasangano ega ega: mamwe anovhara mabasa ese, kutenga uye kutamiswa, mamwe anongobvumira kubhadhara mashandiro neQR Code kana PIX Kopa uye Nama uye vamwe vanoita mabasa ePIX muzvidimbu vachishandisa kadhi rechikwereti. Zvinogoneka kuti hausati wambonzwa nezvazvo, sezvo asiri ese masangano emari anopa iyo Pix Installments.
Nezveramangwana, dzimwe nhau dzinofanirwa kuziviswa neve Central Bank, se Pix Approximation, Pix Offline, Pix Internacional uye Pix Automatic Debit. Munyaya yekutanga, mutengi achakwanisa kubhadhara neasingabatike, zvakafanana nezviri kuitika nhasi nemakadhi echikwereti uye echikwereti ane less tekinoroji. Already the Pix Offline zvinobvumira vanhu kuti vatore mari kunyange kana vasina internet.
yatove iyo Pix International inotsvaga kuita Pix pasi rose, ichibvumira vashandisi vasina kadhi rechikwereti repasi rese kuti vatenge kunze. Pakupedzisira, the Pix Otomatiki Debit zvinokutendera kuti uronge kubhadhara ipapo. Iyo nzira itsva ine basa rakafanana neatomatiki madhiti kubva ku yazvino.
Zvese izvi zvivakwa zvakagadzira Pix yakawedzera 72% kubva gore rapfuura kusvika zvino muhuwandu hwevashandisi. Huwandu hwe vashandisi vakanyoreswa vakapfuura 29,6 miriyoni, muna Kurume 2021, kusvika 51 miriyoni, muna Kurume 2022, maererano neBrazilian Federation of Banks (Febraban) mushumo.
Pasinei nokuti takachengeteka, hatina kusununguka pazvinetso. Iko kune, semuenzaniso, mukana wekuisa imwe data isiriyo uye, nekukasira, kusaiongorora nemazvo, kupedzisira yaisa mari muakaundi isiriyo. Kune zvakare idzo nyaya dzekuti mari inosvika mu yedu uye isu hatizive kwayakabva, kunyangwe ndiani aitumira. Muzviitiko izvi, tinopa mamwe mazano pamusoro pezvinofanira kuitwa.
Chii chekuita kana ukatumira Pix isiriyo? h2ze
Transactions zvakaitwa kuburikidza Pix Zvinoitika nekukasira, uye mukati memasekonzi gumi mari ichange iri muakaundi yemugamuchiri. Kana iwe waisa rumwe ruzivo rwusiriyo, zvinogona kutora basa diki kuti udzoserwe mari yako. Zvisinei, maererano ne Central Bankl, zvinokwanisika kudzosa mari yako pane dzimwe nguva kuburikidza ne Special Return Mechanismkana Med, seti yemitemo uye maitiro ekudzorera Pix.
MED inoshanda mumamiriro ezvinhu chaiwo, zvakadai apo pane hunyengeri kana kukundikana kwekushanda muhurongwa hwemasangano evanhu vanobatanidzwa mukutengesa. Nenzira iyi, chero ani akagadzira Pix nekukanganisa haakodzeri mune iyi nzira yekudzosera mari. Asi zviri kumunhu kuti abate iyo institution, neruzivo rwese rwunobvira nezve mumwe munhu akagamuchira Pix isiriyo, kuti ataure kukanganisa kwekutamisa.
Muchidimbu, MED inongovimbisa mari kumashure mumamiriro ezvinhu apo pane kukanganisa muhurongwa, izvo zvakakonzera kuti imwe mari ibviswe kubva ku-akhawunti kana mumamiriro ezvinhu apo munhu wacho ave akabatwa nerumwe rudzi rwekubiridzira. Muchiitiko ichi, sangano rezvemari ndiro rine basa rekuyananisa mamiriro acho ezvinhu, kuitira kuti ive nechokwadi chokuti kodzero dzemutengi dzinokunda.
Kana munhu wacho agamuchira mari isingakodzeri yakatumirwa newe nekukanganisa, ivo Une mazuva anosvika makumi mapfumbamwe ekudzosera mari yacho. Iyo nzira inogona kuitwa kuburikidza nekushandiswa kwebhangi uko mari yakagamuchirwa, uchishandisa sarudzo “dzosa muripo uyu”, uchidzvanya pane inodiwa kutengeserana, iyo inowanikwa pane chirevo. Nekudaro, kubva pakuona kwemutemo, anongosungirwa kuidzosera kana akaziviswa nebhangi institution kana munhu akatumira mari nekukanganisa.
Kana munhu akatumira mari zvisiri izvo akasatsvaga munhu akaigamuchira uye anoda kudzoserwa, hapana nzira yekutarisa uye kupa mhosva munhu akaigamuchira nekuda kwekushandisa mari yacho. Haana chaakatadza, akangotambira mari.
Leonardo Watermann, gweta rinoshanda nemhosva dzevatengi uye shamwari paWatermann Sociedade de Advogados.
Kana munhu atambira mari isingakodzeri muakaundi yake akasadzosa mari uye mubhadhari anobata bhanga kuti azivise nezvekutumira netsaona, anenge agamuchira anenge achipara mhosva yekubira, sezvakataurwa muchinyorwa 169 chePenal Code. . Zvakadaro mupfungwa iyi, kana anenge apihwa aramba kudzosera mari yacho, nzira yakanaka yekuenda mberi ndeyekuendesa rondedzero yemapurisa kukamba yemapurisa uye kuvhura dare redzimhosva kuti ridzorerwe mari yacho.
Zvakadaro, nyaya iyi inogona kupara mhosva sezvo kuferefetwa kwemapurisa kunoenderera mberi, izvo zvinozoongorora hupenyu hweari kupihwa. "Zvichienderana nemushumo wemapurisa, mukuru wemapurisa anoongorora nyaya uye anosarudza kana kuvhura kuferefetwa kwemhosva", anotsanangura gweta Leonardo Watermann, ane hunyanzvi mukupara mhosva kune vatengi uye anoshanda naye kuWatermann Sociedade de Advogados.
Kana munhu wacho asingatauri uye akasadzorera mari yacho pasinei nekubatana, mubhadhari anofanira kuisa chirevo chemapurisa uye kukwidza mhosva, iyo inogona kunge iri zvikwereti zviduku kana nemari isingasviki makumi maviri emuhoro, kana mhosva yakajairika yemari yakawanda. . Mune 20% yemhosva, pasinei nemhosva kana kwete, kudzorera mari iyo inofanirwa kuzarura nyaya yepamutemo. Zvakaoma kutiza izvozvo.
Leonardo Watermann, gweta rinoshanda nemhosva dzevatengi uye shamwari paWatermann Sociedade de Advogados.
Kushandisa zvisirizvo hakurangwi nekuvharirwa mujeri. Mhosva yerudzi urwu inowanzogadziriswa nekugadzirisa zvakakuvadzwa, munyaya iyi, kudzorera mari. “Akapihwa anoudzwa neDare kuti adzosere mari iyi. Kana munhu achiri kuramba kuidzosera, hurongwa hunoenderera mberi uye pachatongwa., rinotsanangura gweta.
Ndakagamuchira Pix isiriyo. Ndoita sei? 303g3c
Sezvatsanangurwa pamusoro apa, munhu akagamuchira mari nekukanganisa orega kuidzorera anogona kupara mhosva yekubira obva atongwa nayo. Sezvineiwo, kana iwe uchinge waziva huwandu hwekufungidzira, hwausingayeuke kwakabva, taura nesangano rezvemari uye zivisa chokwadi. Naizvozvo, anofanira kubata mutengi akazvitumira uye kuita nhaurirano.
Mushure mekuona chikanganiso, ingoita mari yacho kuburikidza nebhangi app yako, uchishandisa sarudzo “dzosa muripo uyu”, nekudzvanya pane yaunoda kutengeserana, iyo inowanikwa pane chirevo.
Chii chekuita kuti udzivise kutumira iyo isiriyo Pix? 2b705c
Kuchinjana kunoitwa kuburikidza nePix kunofanirwa kuitwa nekuchenjerera uye nehanya, nekutarisa data uye chitupa chekuti chokwadi. Gara uchitarisa kuti kiyi yePix yakaiswa nemazvo uye imwe data zvakare: kukosha, zita remugamuchiri, bhangi, pakati pevamwe. Kana iwe ukawana chero mutsauko, usaite kutamisa kusvika iyo data yasimbiswa nemunhu / kambani ichagamuchira iyo mari. (www.coloradoreveradventures.com)
Imwe matipi ine hukama nePix kiyi. "Ipa sarudzo kune makiyi asina kujairika, sezvo chero digiti isiriyo inotadzisa kushanda", anopa zano Rogerio Melfi, mumiriri weABFintechs uye nhengo yePix technical group kuBC. Panyaya yeF neCNPJ, nharembozha uye makiyi eemail, panewo yambiro kana gwaro risipo kana risina kunyoreswa paPix. Nekudaro, kana varipo uye vari kushanda paPix, pane njodzi yekutumira meseji zvisizvo.
Kushandisa kiyi isina kurongeka zvakare kwakanaka nekuti kunodzivirira mushandisi kugovera data remunhu paanenge achipa kiyi yePix kune mumwe munhu - iyo inobatsira kudzivirira hutsotsi. Uyezve, Central Bank inosimbisa kuti masangano emari anopa Pix kune vatengi vavo vane mhosva yekubiridzira kunokonzerwa nekukundikana mumagadzirirwo avo pachavo, uye vanofanira kugadzira zvipingamupinyi uye nzira kuitira kuti vauye nekuchengeteka kune vashandisi.
Onawo:
Source: InfoMoney, Folha de S Paulo.
