O PIX é o novo sistema de transferência bancária instantânea criado pelo Banco Central do Brasil para permitir a movimentação de recursos entre contas bancárias ou de instituições de pagamento de forma simples, rápida e barata. …

This is the transcript of a talk I gave at the International Policy Centre for Inclusive Growth (IPC-IG) Seminar Series 2017 in July 14th 2017. As I wrote my entire presentation, I thought it would be fun to share it with the world. …

Last October I wrote about a blockchain Real-time Gross Settlement (RTGS) and now I am ready to write some more about what I have been researching to improve the proposal. …

Elections are a very complex process. The basic assumptions are contradictory: Voters must be registered and cast only one vote, but votes must be kept private and cannot be linked to its voter by an external entity. Using conventional paper ballots and every candidate had at least one vote, there…

Real-time Gross Settlement (RTGS) is the base structure for a country payment system. Brazil, for example, has a very advanced RTGS system called “Sistema Brasileiro de Pagamentos” (Brazilian Payment System), or SPB, run by Central Bank of Brazil. By its own nature, this is a critical technological structure for the…