Topic
Token & Tech articles on Payments: explainers, analysis and guides with verifiable sources and clearly separated facts and opinions.
Finance & Digital Economy · Explainer
A no-fee account and free Pix transfers don't mean a service without revenue. Here is where fintechs' money comes from, how much of it is regulated and why many end up depending on credit.
Finance & Digital Economy · Explainer
Drex was born as Brazil's central bank platform for tokenized money and assets. The pilot exposed a privacy problem the tested technology did not solve, and the project changed course. See what it was, what was tested and where it stands.
Finance & Digital Economy · Explainer
Opening an account in a store's app or taking credit at checkout looks simple. Behind it, a licensed institution provides the service. Learn who is responsible for what and what Brazil's 2025 rule changed.
Finance & Digital Economy · Explainer
A digital scam rarely depends on a technical flaw: it almost always depends on someone convincing you to act in a hurry. Learn the most common patterns, the habits that reduce risk and the step-by-step for the first hours after a fraud.
Finance & Digital Economy · Analysis
In the app, a neobank and a traditional bank look the same. The difference lies in the license each one holds, in what protects your balance and in the business model. Here is what to check.
Finance & Digital Economy · Explainer
A CBDC is digital money issued directly by the central bank. Almost every central bank is studying the idea, but very few have launched one, and the reasons say a lot about the subject.
Finance & Digital Economy · Explainer
Open Finance lets you take your financial data from one institution to another and make payments from different apps. Here is how the architecture works, what the rules require of consent and where the limits are.
Finance & Digital Economy · Explainer
Many countries already move money in seconds, at any hour. The systems look the same to users, but they differ in who controls them, who can take part and how much they are used.
Finance & Digital Economy · Explainer
Behind a Pix that lands in seconds are two core components run by the Central Bank of Brazil, the SPI and the DICT, and a set of rules defining who takes part and how. Here is the path of a transaction and the newest features.
Finance & Digital Economy · Explainer
Every time you get paid, settle a bill or invest, several institutions work together. See how the financial system is organized, who operates it, who supervises it and where the risks lie.
Finance & Digital Economy · Analysis
A stablecoin is a private company's promise. A central bank digital currency is money from the state itself. Learn what changes for users, why central banks distrust stablecoins and where public projects stand as of October 2026.
