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With Payment Initiation (ITP) and Seamless Checkout, the ecosystem advances toward a more integrated and fluid payments infrastructure
Open Finance has surpassed 100 million unique users in Brazil, including individuals and businesses, and now accounts for more than 166 million active consents, according to official data from Open Finance Brasil.
Source: Open Finance Brasil
Created five years ago, Open Finance has evolved beyond a data-sharing platform and now plays a central role in the country’s digital payments infrastructure.
In its early years, the focus was on secure data exchange between financial institutions. This enabled more personalized products and reshaped competition among banks.
Today, the evolution moves to another layer. Open Finance is becoming a payment execution rail, particularly through Payment Initiation (ITP) and Seamless Checkout journeys.
In practice, Payment Initiation allows a Pix transaction to be triggered directly within the website or app where the customer is already interacting.
Seamless Checkout removes the need to leave that environment to complete the payment in a banking app. Instead of copying a code, switching apps and returning to confirm, authentication happens within the same flow, often using biometrics, and the transaction is completed in seconds. What previously required multiple steps now happens continuously and almost invisibly.
This shift transforms both the user experience and the operational model of businesses.
Until recently, paying with Pix in digital environments required switching between applications. Customers copied the code, opened their banking app, authenticated the payment and returned to the original site or app.
The process worked, but it created friction. With Payment Initiation and Seamless Checkout, payments can be started and completed within the same customer journey. Authentication happens in context, without switching screens.
The result is a smoother and nearly invisible experience.
For companies operating monthly billing models, subscriptions or essential recurring services, this evolution goes beyond experience.
Fewer steps reduce abandonment and increase conversion. Integration with Pix Automático and contactless Pix also brings greater predictability to cash flow.
Data already shows this acceleration. In 2025, Pix payment initiation moved BRL 15.3 billion, nearly five times the previous year, according to Brazil’s Central Bank.
Transaction volume continues to grow steadily, as shown in the chart below.
Source: Central Bank of Brazil
When payments no longer require redirects, codes or additional steps, they become a natural part of the journey.
Imagine paying a utility bill or a school fee within the same environment where support is provided, authenticated biometrically and confirmed in seconds.
That is the direction the ecosystem is taking.
The milestone of 100 million connected users shows that Open Finance has reached scale.
The new phase focuses on practical application. Turning regulatory infrastructure into operational efficiency, higher conversion and meaningful improvements in customer experience.
At Bemobi, we closely follow this evolution and integrate Open Finance into recurring payment journeys, connecting Pix, Payment Initiation and orchestration to reduce friction and increase predictability.
Today, payments are not just transactions. They are strategic infrastructure.
Is your company ready for this new phase of Pix and Open Finance?