Pix vs Drex: Qual a diferença e como vai te afetar?

por: Julio Sousa Foto: Canva

[{"selector":"#anim-57253f49-e2cd-493c-b2cf-54d3901a0cbd","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7be8b0c3-a509-45c4-821d-3d750e810eb3","keyframes":{"transform":["translate3d(115.18987%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cb6f3062-d02f-4f06-bbe1-35151ef211df","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-71d20ead-1711-46b7-b7c9-77094113ccf0","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f15c1343-0cb9-477e-9a0c-826eea03a493","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-4f6246a3-001b-459d-9f3c-88a365e917f0","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-23b90167-ac4e-4fba-86e4-16e8ff50fc69","keyframes":{"transform":["translate3d(-200%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] A dúvida sobre Pix vs Drex é crucial. O Banco Central anunciou o Drex para 2026, e entender a diferença é fundamental, pois, embora ambos sejam digitais, eles representam conceitos totalmente distintos de dinheiro e controle. Seta Foto: Canva

[{"selector":"#anim-7fca964b-518d-46ee-9317-2030a00add13","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-42bc58a9-cede-4b31-95bf-fc85a1221229","keyframes":{"transform":["translate3d(115.18987%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8f7358de-7929-4c09-b2b2-9b69311a9cd9","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-131fe36c-1720-4cb7-a778-8a17067e2960","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cecf51f0-a63e-4c37-943a-58b178e7171f","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-ad2fcf4c-6029-463c-93a7-740ea048f754","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-73891446-d2a1-402b-b759-a3d9f1c2fa06","keyframes":{"transform":["translate3d(-200%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] O Drex é a versão digital oficial do Real, uma Moeda Digital de Banco Central (CBDC). Pense nele como o "dinheiro em si", mas em formato programável, emitido e controlado diretamente pelo governo. Seta Foto: Canva

[{"selector":"#anim-999f4b66-cea7-4793-889f-79f631b2eec4","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-af7cacdf-83ce-43df-a90e-07188f325b92","keyframes":{"transform":["translate3d(115.18987%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bd7f94f9-b877-40ee-8544-66501ab0b505","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d65fac57-3b1c-4612-82ee-67a49d6793aa","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4cabaa39-9d9c-4032-b8b6-20dfd4bc5304","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-ec95a131-f3a3-47ea-adae-f7988b472467","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-043a73d7-8b0b-4442-bc7f-02898c1df4fc","keyframes":{"transform":["translate3d(-200%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Já o Pix não é uma moeda, mas um sistema de pagamento. Ele é a "estrada" por onde o seu dinheiro (o Real que já existe no seu banco) viaja de uma conta para outra de forma instantânea. Seta Foto: Canva

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[{"selector":"#anim-15d26a31-c575-464f-8d00-0e85b5f3b25e","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-31cc865e-3a19-441e-8372-45cc52fe7a9d","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-49458928-b20d-4b0b-ac54-c618dbd45b9b","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-a29b019f-549c-408e-90ee-d36f072202c1","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c831b512-c11a-44b4-8f3d-000e72355db3","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-04bc017f-ae6b-4470-86ec-ccfdab9c911e","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-b0fc45ae-996b-4f06-a818-a8fe530daf00","keyframes":{"opacity":[0,1]},"delay":0,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7c7f52dd-b9b1-4a43-9a12-1a7454564536","keyframes":{"transform":["translate3d(0px, -292.14366%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-363096b5-2416-4289-b26b-ff7c16365f12","keyframes":{"opacity":[0,1]},"delay":0,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8a8190a2-4ec9-46f1-a9a2-0e6ecebea6c3","keyframes":{"transform":["translate3d(0px, 386.49575%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Seta A diferença fundamental é a centralização. O Pix apenas move o dinheiro entre bancos privados. O Drex, em sua forma mais pura, poderia permitir que o governo controle, rastreie e até congele seu dinheiro diretamente. Seta

[{"selector":"#anim-830555e2-1fb3-4e4c-8d1e-f3cdaac5bb0e","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b39485f0-edb0-4710-88e5-63997a332797","keyframes":{"transform":["translate3d(115.18987%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d9468829-9e6b-425a-8232-8cdf491bfb30","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-621626c8-5990-4e10-af04-0fdbb5d56bde","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-13b66c45-84c2-43d9-b55d-a0b86a7a9820","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-e10a8eea-b914-4e60-bfa4-d6a7af42cc5c","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-25c46b00-1353-4f04-b49c-da7cdd41ff04","keyframes":{"transform":["translate3d(-200%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] No entanto, o Banco Central afirmou que o Drex, inicialmente, não será para o público. Será um sistema de "atacado", usado apenas entre os bancos para registrar garantias de empréstimos, sem substituir o Pix no dia a dia. Seta Foto: Canva

[{"selector":"#anim-3f54d8fb-74cb-4e51-8add-ef035dd6d8a7","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7a1ffe52-71d3-4914-b023-150dd1ca356e","keyframes":{"transform":["translate3d(115.18987%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-81fbea7f-4010-4d2b-90c5-62c43d759843","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-082e6808-5577-4eae-855d-1e96265c2b99","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d6d07460-581f-47b2-b0e6-fe25b9367328","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-26d0004c-99dc-494b-b93b-c0f47dad7467","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0f044e25-b1ef-444a-8969-1ee26c5a9390","keyframes":{"transform":["translate3d(-200%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] O grande receio é o futuro. Embora o modelo inicial seja restrito, a tecnologia do Drex permite que, no futuro, o governo o transforme em uma ferramenta de varejo, com controle total sobre como e onde você gasta seu dinheiro. Seta Foto: Canva

[{"selector":"#anim-3044b6dc-cb04-4c96-be5b-988b7e3a0b0f","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ddae00d7-f2a8-4465-9929-04d272f75e28","keyframes":{"transform":["translate3d(115.18987%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-db5484d0-1157-4404-9f65-f9bf841b65dc","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1d7cb4e1-abcb-4edc-8bf9-c0558e42236a","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4b3aa4b9-1bb8-4bef-8743-0e0ff98d5034","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-80fedfa7-6843-4fe1-8912-c9e585e816db","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bd771a0d-b2bb-406b-a43b-3cb56849610f","keyframes":{"transform":["translate3d(-200%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Então, qual a diferença? O Pix é o meio de pagamento; o Drex é a moeda. A principal implicação é o potencial de controle. Enquanto o Pix agiliza transações, o Drex abre as portas para uma vigilância financeira sem precedentes. Seta Foto: Canva

[{"selector":"#anim-6a5d2cda-3e40-433b-9cfd-e878d3aabb73","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6d899f83-c641-4ad7-a2f9-4a4548f19d9b","keyframes":{"transform":["translate3d(0px, -1660.10135%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b6c1d6d5-1e5a-41e3-a0d6-d49d9e8f6e98","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f287c49c-6f16-405b-8e35-f194d3655839","keyframes":{"transform":["translate3d(0px, 1651.01029%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] LEIA MAIS EM PORTALRENDA.COM.BR Seta