RegAlert2025-06-05 | Resolução BCB 482Added
BCB Resolution No. 482 — Amends BCB Resolution No. 1 to establish obligations for unauthorized Pix participants and update Pix Automatic and proximity initiation rules
BCB Resolution No. 482 amends the Pix regulatory framework to impose new liquidity and supervision requirements on Pix participants operating without authorization, requiring them to hold liquid resources in federal public securities registered with Selic. It introduces proximity-based initiation for Pix Cobrança transactions, making this feature optional for initiating participants but mandatory for those offering it, with compliance required by December 1, 2025. The resolution also tightens security controls for Pix Automatic by restricting its availability to legal entity recipients with an active CNPJ for at least six months and no fraud indicators, while mandating pre-contractual and ongoing due diligence by payment service providers. These changes take effect immediately for most provisions, with specific liquidity rules applying from January 1, 2026, and proximity initiation rules from June 16, 2025.
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BCB RESOLUTION NO. 482, OF JUNE 5, 2025
Amends BCB Resolution No. 1, of August 12, 2020, which institutes the Pix payment arrangement and approves its regulations, to establish new obligations for participants without authorization to operate, and amends the regulation annexed to BCB Resolution No. 1, of August 12, 2020, to enhance security mechanisms related to Pix Automatic and to introduce the proximity initiation method.
The Collegiate Board of the Central Bank of Brazil, in a session held on May 29, 2025, based on art. 10, caput, item IV, of Law No. 4.595, of December 31, 1964, art. 10 of Law No. 10.214, of March 27, 2001, arts. 6, 7, 9, 10, 14, and 15 of Law No. 12.865, of October 9, 2013, Resolution No. 4.282, of November 4, 2013, Communication No. 32.927, of December 21, 2018, and Communication No. 34.085, of August 28, 2019,
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Lineage: In force
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- Issued under
- Lei n.º 4.595, de 31 de dezembro de 1964 — dispõe sobre a política e as instituições monetárias, bancárias e creditícias (establishes the National Financial System and the Banco Central do Brasil)1964Communication No. 32.927 dated 2018-12-21not in RegAlertCommunication No. 34.085 dated 2019-08-28not in RegAlertLaw No. 10.214 dated 2001-03-27not in RegAlertLaw No. 12.865 dated 2013-10-09not in RegAlertResolution No. 4.282 dated 2013-11-04not in RegAlert
- Refers to
- BCB Resolution No. 80 — Regulation of Payment Institutions2021
Source: Banco Central do Brasil — original document · Summary generated with machine assistance and reviewed before publication; the authoritative text is the regulator's original document. How RegAlert works
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