For Canadian fintech sovereignty, I’d like to invite people to take a look at what Brazil did with Pix

Pix is an instant payment system managed by the central bank of Brazil - it’s a government thing. It enables people and businesses to pay/receive transactions without fees and without the need of a credit card. All you need is a bank account and a personal identification number you use to link to that bank account. See en.wikipedia.org/wiki/Pix_(pay

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