DICT Key

DICT Keys are central to the PIX ecosystem, providing a simple and reliable way to identify bank accounts for transactions. They allow users to send and receive money without needing to share complex bank details, simply using a key that is easy to remember, such as an email address, phone number, or even a randomly generated string.

Characteristics

• Flexibility: DICT Keys can represent various types of identifiers, including CPF (Individual Taxpayer Registry Number), CNPJ (National Registry of Legal Entities), email addresses, phone numbers, and random EVP keys. This makes them versatile and easy to use for different user preferences.

• Uniqueness: Each DICT Key is unique and linked to a single bank account, ensuring that transactions are directed correctly to the intended recipient.

• Security: The Central Bank of Brazil ensures that DICT Keys are securely managed, preventing fraud and ensuring the integrity of transactions.

• Ease of Use: Users can create DICT Keys and link them to their bank accounts easily, allowing for quick and efficient PIX transactions without needing to share complex bank details.

Key Types and Requirements

DICT Keys must be one of the following valid types, each with specific formatting and validation rules:

Use Cases

• Individual Transfers: Perfect for individuals who want to receive money without sharing bank account details. They can simply share their DICT Key (like an email or phone number) with the sender.

• Business Payments: Businesses can use CNPJ-based DICT Keys to receive payments directly into their accounts, simplifying the process for both the payer and the payee.

• Recurring Payments: Ideal for recurring payments where the same DICT Key is used repeatedly, ensuring consistent and accurate transactions without the need to re-enter bank details.

• Anonymous Payments: UUID-based DICT Keys allow for anonymous transactions, where the sender and recipient do not need to exchange personal details.