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Finance & InsuranceBrazil· Source · Jan 2026

Pix users in Brazil can't tell in the moment whether a payment request is a scam, and often act too late to get money back.

Pix users, especially people over 50

Where it stands

  1. Sourced (done)
  2. Kit (done)
  3. Wanted (next)
  4. Building
  5. Solved

How this problem came to be

  1. Found2 sourceswelivesecurity.com, band.com.br
  2. Quoted4 claimseach checked against its page
  3. BriefWrittenand what solved looks like
  4. MarketNot sizedon the next engine run
  5. Kit5 steps20 tools · 6 routes
  6. People0 want0 live it · 0 would test

The problem, broken down

Who it hurts
People paying by Pix after a call, message or online shop asks them to transfer money, with older adults most affected.
The moment
A caller posing as the bank says the account must be 'regularized' with a Pix transfer right now.
What people do today
Victims contest the transfer through their bank's app using the Special Return Mechanism (MED), but scammers move money between accounts quickly.
Why it's unsolved
Pix is instant and available all day, so the window to stop or recover a payment is very short, and scam scripts keep changing.
What solved looks like
A plain-language assistant that, before paying, asks three questions about how the request arrived, warns on known scam patterns, and if money was already sent, walks the person through filing a MED claim in their bank app within minutes.

Evidence

Every claim is tied to the source it comes from
WeLiveSecurity (ESET): AI and social engineering to make Pix scams more sophisticated in 2026 ↗
  1. 1A report by the consumer and data protection association ADDP estimated about 28 million Brazilians fell victim to Pix scams in 2025, with people over 50 making up 53% of cases.
  2. 2In the 'wrong Pix' scam, criminals send money, ask for it back, then open a MED claim alleging fraud, so the victim loses money and has funds blocked.
Band / Agência Brasil: New Pix rules to make refunds in scam cases easier (Aug 2025) ↗
  1. 3From 1 October 2025 the MED became 100% digital inside bank apps, without needing to contact customer service.
  2. 4The MED cannot be used for commercial disputes or for a Pix sent to the wrong person by the payer's own mistake.

Written from the cited sources. Anything they don't say is left as a question, not a guess.

Sources

From a public page with a citation.

  1. [1]Band / Agência Brasil: New Pix rules to make refunds in scam cases easier (Aug 2025)
  2. [2]WeLiveSecurity (ESET): AI and social engineering to make Pix scams more sophisticated in 2026
What the source says, in short

A report by the consumer and data protection association ADDP estimated about 28 million Brazilians fell victim to Pix scams in 2025, with people over 50 making up 53% of cases. In the 'wrong Pix' scam, criminals send money, ask for it back, then open a MED claim alleging fraud, so the victim loses money and has funds blocked. From 1 October 2025 the MED became 100% digital inside bank apps, without needing to contact customer service. The MED cannot be used for commercial disputes or for a Pix sent to the wrong person by the payer's own mistake.

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