Bear in mind that Brazil is a poor country. Cashback and worldwide acceptance is not what 90% brasillians need.

You are right about convenience, but here, 1% fee makes a huge difference to make both ends meet.

You can give alms with pix, to show how widespread pix is.

Brazil is actually a pretty rich country. It's just that the wealth is exceptionally highly concentrated at the top. Brazil has enormous resources and potential, but all that potential gets sucked up by the big boys in their club. Although I know what you mean, it's important to distinguish Brazil from a genuinely poor-all-over country where there is not much wealth anywhere. Even in poor or average neighbourhoods in the big cities, you can see a person with nothing and then another person drive by in a BMW.

It’s more like 3% if you receive the money after 30 data and 10% if you get it in the best day.