Thread 213858895

>be american
>need to send $20 to friend
>"ok bro it’ll be there in 2-5 business days"
>bank closes at 5pm, closed weekends, closed holidays, closed if manager’s dog sneezes
>fees.jpg
>fraud protection is just a guy named Timmy who sometimes checks emails

Meanwhile in Brazil:
>open app
>PIX it
>money is there in 2 seconds, 24/7, free
>can pay rent, beer, hooker, bribes, taxes all instantly

why are americans so far behind?

>>213858895 (OP)
I pay all my hookers with pix

You hear that, ameribros?
They're dabbing at y-
Ameribros?
Hello?

>>213858895 (OP)
They use Venmo you idiot

Idgi, I just did a bank transfer today (to some latinx for giving me a new roof $5000 cheaper than their next closest competition). You just give routing and checking numbers

>>213858933
Kek'd and checked! Stay based, Mexicanon.

>>213858965
Nope.

>>213858965
>americans are so far behind they dont understand the concept of pix and compare it to paypal
sad!

kek they're still seething about the tariffs
no retlation from the monkeys

>>213858965
>slower settlement speed
>fees
>doesn't work between all banks and institutions
>can't integrate with most daily spending
the american mind is too small to come close to comprehend

>>213858965
Not free and not used across banks

>>213859006
hahahahhahahahahah
700 exceptions
TACO TRUMP BABY

Brazilians literally believe they invented it

Brazilians invented it and americans stole the credit again. Just like when Brazil invented the plane.

>>213859039
Trump just TACOed again against Putin

>>213859073
he's just selling america off it's hilarious

>Uhhhhh actually our digital payment app is le different because it has QR codes o algo
Apple Pay/Google Pay do everything this shit does

>>213859112
even worse it's all government controlled, macacos are good goy who give all their banking info to the government lol

>>213859038
zelle is free and used across banks

>>213859112
hahahhaah that's just a proxy for your credit card, each of those don't integrate with shit, there's fees and you can't do P2P if your buddy doesn't have the new iphone 55 o algo. Settlement still occurs in 1-3 business days.

it's tiring to have to go over the same points over and over but I understand the average american IQ does not allow otherwise

>>213859218
>giving all your info to the government
good goy

>>213859218
You know absolutely nothing you monkey retard, and no I will not tell you

>>213859183
AGAIN you fucking donkey: no it's not accross all banks, only works if sender and receiver are in the US (grim), 500-2500 dollar limit (basically mcdonalds workers such as yourself), AND AGAIN fees. How dumb can you get?

>>213859291
your system is inferior you subhuman monkey, it gives the government all your data you worthless leftist ape

>>213859329
hahhahahah deflects all other points and still fails at understanding fees. I HAVE TO EXPLAIN EVERYTHING but ok: banks can still charge for Zelle or whatever shitcoin scam you have over there. Pix doesn't, EVER. PLUS you get all the other benefits previously mentioned if you still remember what is being explained 5 seconds ago

>>213859425
"Mongrel complex", or alternatively "mutt complex" (Portuguese: complexo de vira-lata, lit.'street dog complex, mutt complex, stray dog complex'), is a expression that refers to a feeling of "collective inferiority complex" reportedly felt by many Brazilians when comparing Brazil and its culture to other parts of the world.

>>213859442
you'll never be brazilian

Brazil is a fucking shithole

Your seethe spills out of the VPN

>>213859039
kek what a faggot, trump never recovered after getting cucked by Colombia president.

>>213858895 (OP)
india came up with the concept and deployed it first
china had QR payments for a very long time, though not central bank ran.
zelle was invented and served as inspiration for Pix, though not central bank ran either.

>be unitedstatesian
>say anything bad about Zionists online
>gets his paypal account suspended

>>213859718
>india came up with it
True, UPI is the OG. Central bank rails + free + everyone uses it. Respect.

>china had QR
Yeah but that’s just Alipay/WeChat running walled gardens. Not central bank infra, just big tech payment coupons.

>zelle invented it
lmao no. Zelle is a janky consortium hack on old ACH/debit rails. Limits, fraud, delays. Calling it an “inspiration” for PIX is too charitable.

Brazil’s PIX is the first *state-mandated universal instant rail* at scale. India paved it, Brazil perfected it, Mexico is catching up. Meanwhile americans:
>"please wait 2-5 business days"

>Look at that shitty solution for a problem that has no point in existing in the first place.

We have real-time app-powered bank transfer across each and every bank in the European union.

Wtf is wrong with you?

>>213859811
...who are you talking to

you're welcome

>>213859916
it was an independent project that was being developed by Banco Central before Bolsonaro.

>>213859916
>Central Bank
>Temer government

I was surprised to know I'm able to virtually anything with mercadopago, from paying services, to send and receive money, buy foreign currency, pay the subway and bus, call delivery from the app itself, etc while PayPal on allows you to send and receive money and can get blocked for no reason

Firstoids are truly liars

>>213858963
They freeze accounts arbitrarily and have no peer to peer protection

why are brazilians like this? its like invented instant money transfers meanwhile rest of the world already have it.

>>213859811
Banks notoriously half ass security measures and think two step verification isn't totally outdated dogshit

>>213861146
Their incompetent president and shadow dictator judge is ruining the country so they're lashing out online.

>>213858895 (OP)

here you can send/receive money via your bank app just by writing the phone number of the recipient and it takes literal seconds to do so. I thought its the same everywhere?

>>213861146
Their payments shit is kinda good though I think, I read a article about it uhh somewhere, a long time ago and it said their payments shit is kinda good

>>213859150
>Giving my info to state espionaged companies is le better than giving it directly to the government
Macaco IQ

>>213858895 (OP)
Trumps is seething so much at this
It basically teaches other countries how to cuck dollar based payments

>>213861398
Did you not buy groceries in real before this?

>>213858895 (OP)
our bank transfers are instant here.
so really you don't need an app

BASED brazilchads. Soon our payment system will also connect to Japan and China this month

>>213861458
And how do you exactly do that if you're trying to buy something from a random person?

>>213858933
kek

>>213861525
you give bank details since you can't take money from bank details only send it.

>>213861625
We simply scan a code or write a phone number and it's done, instant transfer

>>213858895 (OP)
https://www.youtube.com/watch?v=WDvICHBZ4Aw

One of the things that Orange is chimping about is because of this.
Brazilian transactions have disappeared from the radar of US banks and the US system.

>>213861683
why didn't you open with that?

>>213861683
Isn't Bolsonaro o algo?

>>213858895 (OP)
obsessed retard

>>213861240
In the USA you have to wait 2-5 business days. Sure there are things like Zelle, Venmo, Cashapp and PayPal but these are all privately owned and not everyone has them.