Not necessarily. The banks are required to implement it and provide it as a service. The real win of the system is actually how good it is, and how in some instances it's better than using cards.

These days, whenever I'm there, I favour Pix over cards whenever I can. To me personally, it's not only more convenient in some cases (and the only option in others) but it's also a way of avoiding sending data and money to the likes of Visa and MasterCard.

Argentina has adopted the system to attract Brazilian tourists as well, which means as a Brazilian you can get away with a lot there even if you don't have an international card.