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by matheusmoreira 39 days ago
> First, I don't think they are.

100% of pix transactions are unconditionally sent to government bodies for monitoring. It's not an algorithmic "only if it matches some criteria" affair.

What they're actually doing with the data is anyone's guess. They could be doing anything. The tax department is no doubt going to be the first part of the brazilian government to adopt AI. Who knows what other creative uses they're going to find for it?

> MasterCard and VISA do it and do nothing for me

And we should be making it illegal for them to do that, not compounding the problem by piling on equivalent government functionality on top of it. The problem is supposed to be fixed, not replaced with a national version.

> the government could catch all the money laundering that is the lifeblood of crime

The optimal amount of money laundering, fraud, crime, are all non-zero. You can "catch all the money laundering" quite easily, just install a totalitarian state panopticon where everybody is guilty by default and constantly surveilled by an omniscient intelligence apparatus, problem solved.

You're going to need to accept some amount of crime if you want to have some semblance of freedom and basic human dignity.