Speaking as a non-expert, I think Pix has much bigger scope. Pix is account-to-account. One can buy real estate, pay bills, make person-to-person and business-to-business transactions, government payments, recurring payments. The funds also settle instantly.
Most people don't experience the full scope of Pix which is impressive.
Sounds like pix is very similar to the Swedish swish. Phone numbers are used for identity, payments are instant, businesses often have qr codes with their identity etc..
As is the dominant e-ID platform, because our politicians are fond of bank cartels.
It kind of works and Swish does too, unless they're down which happens every now and then, but there is room for improvement that would be easier realised as a public sector endeavour.
The credit card companies really missed the boat here to become the standard for consumer to consumer payments. Of course, from their perspective, they know that people would not accept having to pay for this service so the companies won’t go near it.
Most people don't experience the full scope of Pix which is impressive.