Not sure why you were downvoted. Pix is a fantastic example of how much more efficient p2p payments can be, without relying on the Visa-Mastercard duopoly.

Of course Pix had the backing of the government, so it had a huge initial boost, and didn't have to compete with entrenched players for market share.

Still, the fact is that it's universal, fast, efficient, lower cost for merchants, and less prone to censoring. What's not to like?

In a way it's more convenient than making congress pass laws to define payment providers as common carriers. With Pix, payment companies are free to chose their policies, but now citizens have options. Unfortunately that's not the reality in the US.