I'm thinking, maybe controversially, centralized national payment service like this should be government-run based on my experience with Alipay which is a digital payment service in China.
Due to it's commercial origin, Alipay is filled with unwanted ads and traps. Almost every time I made a payment with it, a pop up prompts me to enlist their Ant Financial LOAN service either now, or being prompted for the same question again 30 days later (yep, not Yes or No, but Now or Later). It's just fucking ridiculous, I don't need a LOAN for a $400 projector, and I don't need a LOAN for a $4 hair cut (Xi should probably do something about it, really).
I'm glad that at least people of Brazil don't have to suffer that kind of shit. At least their government-run program is better scrutinized and boring, thus more dependable, that's a good thing in my eyes.