I work with payments in a bank in Brazil and as I was reading the question I thought "interesting question, here we have a great 'delay' in clearances and very

I work with payments in a bank in Brazil and as I was reading the question I thought "interesting question, here we have a great 'delay' in clearances and very old and very complex government-embedded systems to deal with it, funny to see that you know about it too. btw, are you familiar with Pix? https://www.bcb.gov.br/en/financialstability/pix_en https://www.bcb.gov.br/en/financialstability/pix_en