(Your link is missing the final closing parenthesis.) Sounds similar to what I used in New Zealand quite a few years ago. However their system wasn't confined

(Your link is missing the final closing parenthesis.) Sounds similar to what I used in New Zealand quite a few years ago. However their system wasn't confined to mobile apps. Is pix mobile only? Also in that system payments reconciled that evening, it wasn't instantaneous. To be honest I preferred that. I was able to fix a payment with a mistake before it went out.