In short, you have no choice in 2027, you are not making transactions via Real, but rather Drex.

#Drex
The first transaction using DREX, the digital Real, was carried out this week between Caixa Econômica Federal and Banco Inter. This historic milestone represents a significant advance for the national financial system, promising greater agility, security, and inclusion in banking services.

With the studies advanced by the Central Bank of Brazil, the implementation of DREX is scheduled for this year, 2025.

What is DREX and why is it innovative?
DREX is the digital version of the Brazilian currency (Digital Rex – King or Real in Latin), controlled by the Central Bank, and emerges as a response to the digitalization of the global economy. – Unlike cryptocurrencies, it is centralized and regulated. – Ensures greater security and stability in transactions. – Facilitates transfers, payments, and smart contracts.

This new form of money aims to modernize and democratize access to the financial system.

Financial inclusion for all Brazilians
With DREX, the Central Bank hopes to reduce financial barriers:

Reduction in bureaucracy and bank fees.
Simplified access to digital transactions.
Direct impact on the economic inclusion of millions of people.
This innovation aims to make banking services accessible to everyone, promoting social and economic development.

Smart contracts: the revolution in transactions
One of DREX's features is smart contracts, which automate processes: – Simultaneous payments and transfers, with greater security.