This is a brilliant response. I love personal anecdotes like this that meaningfully contribute to a better conversation on HN.

First: PIX sounds insanely good! I wish I had it where I live.

My follow-up question: Can anyone with experience with India's Unified Payments Interface (UPI) comment about capabilities compared to PIX? It is frequently lauded as one of the best e/mobile payment services in the (developing) world.

Judging from what I am reading about PIX capabilities, UPI can do everything. It can also allow you to make merchant payments from Rupay credit cards. It also supports automatic recurring payments.