RoamQR Opens First Latin America Corridor Through Brazil Pix Integration

First Regional Connection Outside Asia

Liquid Group and PagBrasil have switched on a cross-border payment corridor linking RoamQR to Brazil's Pix instant payment infrastructure. Users holding accounts with RoamQR-enabled banks and digital wallets can now scan Pix QR codes at Brazilian merchant counters and complete transactions without opening a local account or switching apps.

The deployment represents RoamQR's first live connection into Latin America. Until now, the network has concentrated on interoperability within Southeast and East Asian markets. Jeremy Tan, founder and CEO of Liquid Group, described the Brazil launch as an important step toward letting travelers "scan local and pay global wherever they go."

Phase 1 went live after a technical integration and commercial agreement that followed a memorandum of understanding signed at the Singapore FinTech Festival in late 2025. The arrangement took roughly eight months from signature to production deployment.

How the Corridor Works

A traveler from Singapore, Hong Kong, or another RoamQR-participating market can walk into a Brazilian café, scan the standard Pix QR code displayed at the register, and authorize payment through their home banking app. The transaction amount appears in the customer's home currency before confirmation. Settlement happens in the background through correspondent banking rails and foreign exchange conversion managed by Liquid Group and PagBrasil.

Brazilian merchants continue using the same Pix QR codes already embedded in their point-of-sale workflows. No new hardware, software integrations, or separate acceptance agreements are required on the merchant side. Pix, operated by Brazil's central bank, processed more than 42 billion transactions in 2024 and has become the dominant digital payment method in the country.

Ralf Germer, CEO and co-founder of PagBrasil, emphasized that the partnership preserves the user experience travelers already know. Customers see pricing in familiar terms, and merchants avoid the friction of adopting another acceptance channel.

Two-Way Ambitions

Phase 2 of the partnership will reverse the flow. Brazilian consumers holding Pix-enabled accounts would be able to scan QR codes in Singapore and other RoamQR markets when traveling abroad, settling in Brazilian reais while merchants receive local currency. Liquid Group has flagged that the outbound leg depends on implementation readiness and regulatory clearance in both jurisdictions.

Brazil's central bank has been methodical about approving cross-border extensions of Pix. The institution prioritizes anti-money-laundering compliance, foreign exchange reporting, and consumer protection standards before granting interoperability licenses. Liquid Group will need to navigate those requirements alongside any licensing obligations in receiving markets.

Expanding the RoamQR Footprint

RoamQR operates as an overlay network that connects domestic fast-payment schemes without requiring each scheme to negotiate bilateral agreements with every other system. Liquid Group acts as the hub, managing currency conversion, settlement, compliance checks, and routing logic.

The network model mirrors approaches taken by other QR interoperability platforms in Asia, including Singapore's SGQR framework and Thailand's PromptPay cross-border links. By adding Brazil, Liquid Group positions RoamQR as a bridge between Asian and Latin American payment ecosystems, two regions where QR-based transactions have achieved high consumer adoption but where interoperability has remained fragmented.

Singapore has emerged as a natural hub for such infrastructure. The city-state hosts regional headquarters for payment processors, correspondent banks, and fintech platforms. Its regulatory sandbox framework and bilateral fintech cooperation agreements with countries including Brazil have accelerated cross-border pilots.

The Brazil connection also holds strategic value for remittance flows. Brazil is home to sizable Japanese, Chinese, and Korean diaspora communities, and Southeast Asia hosts a growing number of Brazilian expatriates working in technology and finance sectors. Two-way payment interoperability could reduce reliance on traditional remittance channels that carry higher fees and longer settlement windows.

Liquid Group has not disclosed transaction volume targets for the Brazil corridor or revealed which specific wallet providers have activated RoamQR support for Pix payments. The company has previously integrated with banks and e-wallet operators in Singapore, Malaysia, Thailand, and Hong Kong, though participation varies by institution and market.

The partnership arrives as Brazil continues to push Pix adoption beyond domestic borders. The central bank has explored interoperability agreements with neighboring countries in South America and has held discussions with payment authorities in Europe and Asia. Linking Pix to a regional network like RoamQR offers a faster path to multi-market reach than negotiating individual bilateral connections.