Facebook is a very unique position here, don't play it as "free market" when one player has control over more than 50% of the messaging communication going on in Brazil, Bacen is blocking the current implementation of WhatsApp Pay, doesn't mean if they integrate with PIX they won't be allowed. If they don't integrate with PIX then it's quite easy, given their position, to force users to stay only inside their platform, with PIX they are allowed to participate in the larger ecosystem, it's a better solution for all.

There is no competition when network effects take hold and create a de facto monopoly, like with messaging apps.