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, 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,

R E S O L V E:

Art. 1. BCB Resolution No. 1, of August 12, 2020, published in the Official Gazette of the Union on August 13, 2020, shall enter into force with the following alterations:

“Art. 3. ...................................................................................................................................

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§ 5. .........................................................................................................................................

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II - risk-based proportional supervision;

III - ...........................................................................................................................................

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b) information related to credit operations, in accordance with art. 2 of Circular No. 3.870, of December 19, 2017; and

IV - the obligation to maintain liquid resources corresponding to the balances of electronic currencies held in payment accounts, calculated at the closing of the regular operating schedule of participants in the Reserve Transfer System – STR, increased by:

a) balances of electronic currencies in transit between payment accounts within the same institution; and

b) amounts received by the institution for credit to a payment account, while not yet made available for free movement by the end user who is the holder of the destination payment account.

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§ 11. The resources calculated in the manner of § 5, item IV, must be allocated exclusively to federal public securities, registered in the Special Settlement and Custody System – Selic.

§ 12. The provisions of art. 22, §§ 3, 4, 5, 6, 6-A, 7, item II, and 8, of BCB Resolution No. 80, of March 25, 2021, apply to the cases mentioned in § 11.

§ 13. Compliance with the provisions of § 11 must adhere to the provisions of the Selic Regulation and the specific documents dealing with the operational procedures of this system.” (NR)

Art. 2. The regulation annexed to BCB Resolution No. 1, of August 12, 2020, published in the Official Gazette of the Union on August 13, 2020, shall enter into force with the following alterations:

“Art. 11-DA. Proximity initiation of a Pix Cobrança may be made available by Pix participants who are providers of transactional accounts directly through their application.

Sole paragraph. Participants who offer proximity initiation to their customers must follow the specifications set forth in the Manual of Standards for Pix Initiation, starting from December 1, 2025.” (NR)

“Art. 11-E. Proximity initiation and the reading of a QR Code of a Pix Cobrança are optional for the initiating participant.

§ 1. .........................................................................................................................................

§ 2. The initiating participant who offers proximity initiation to its customer must follow the specifications set forth in the Manual of Standards for Pix Initiation, starting from December 1, 2025.” (NR)

“Art. 11-I. Pix initiation for the purpose of withdrawal or change must occur through the mechanisms provided for in art. 12, caput, items II, III, IV, or VI.

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“Art. 11-T. ...............................................................................................................................

§ 1. Pix Automatic may be offered only to a legal entity recipient user who:

I - has had an active CNPJ registration number for at least six months; and

II - does not show signs of fraud, according to criteria established by the participant of the recipient user themselves, considering, for participants who have access to DICT, at minimum, the security information stored there.

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§ 7. The payment service provider of the recipient user must verify the integrity of its client prior to contracting Pix Automatic, as well as during the validity of the service provision contract, as provided in a specific document to be disclosed by the Central Bank of Brazil.” (NR)

“Art. 12. ..................................................................................................................................

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IV - payment transaction initiation service, in cases where the participant possesses all information of the recipient user;

V - sending, to the payment service provider of the payer user, by the payment service provider of the recipient user, of payment instructions related to the Pix Automatic product; and

VI - proximity of a device enabled with Near Field Communication – NFC technology to another device with the same technology.” (NR)

“Art. 14. In the initiation of a Pix through the mechanisms referred to in art. 12, caput, items I, II, III, and VI, the identification of the transactional account of the recipient user must be done through consultation to DICT, when it is a transaction between transactional accounts of end users in different participants.

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“Subsection IV

On Proximity

Art. 15-BA. The rules and operational systems for using proximity to initiate a Pix are described in the Manual of Standards for Pix Initiation.” (NR)

“Art. 15-C. ...............................................................................................................................

§ 1. .........................................................................................................................................

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II - in art. 5, § 1, added with the information regarding the Pix key of the recipient user, in transactions initiated by the procedures provided for in art. 5, caput, item II, for the mechanisms provided for in art. 12, caput, items I, II, III, IV, and VI.

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“Art. 87-B. ............................................................................................................................

I - .............................................................................................................................................

a) the natural person payer user initiates the transaction by proximity, through a dynamic QR Code or another form of initiation associated with Pix Cobrança;

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c) the legal entity payer user initiates the transaction by proximity, through a static, dynamic QR Code, or another form of initiation associated with Pix Cobrança;

II - ............................................................................................................................................

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b) .............................................................................................................................................

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2. proximity, static, dynamic QR Code, or another form of initiation associated with Pix Cobrança; or

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Art. 3. This Resolution enters into force on the date of its publication, producing effects:

I - from June 16, 2025, for art. 2, in the part that alters art. 11-T of the regulation annexed to BCB Resolution No. 1, of August 12, 2020;

II - from January 1, 2026, for art. 1; and

III - immediately, for the remaining provisions.

RENATO DIAS DE BRITO GOMES

Director of Organization of the Financial System and Resolution