That's definitely closer to Pix, but the advantage of Pix is because since the Brazillian Central Bank forced adoption for almost every player (not just banks, but even things like PagSeguro that is the Brazil equivalent of PayPal), so you can just assume that everyone has a Pix account already.

Last time I went to Brazil I remember that at least twice I asked if the person seeling me something would accept Pix in place of cash since I generally don't carry any cash, and they happily accepted even if they didn't advertise this.