Visa actually charges a smaller fee than pix, however its payments (almost all) require the ability to charge back. Banks processing American payments charge a

Visa actually charges a smaller fee than pix, however its payments (almost all) require the ability to charge back. Banks processing American payments charge a few percent "for" chargeback etc. insurance, but the infrastructure could be used for similar digital cash (without any reversals), though I doubt it'll change any time soon.