only in their respective countries

Not true. My mother (Brazilian) was in Argentina last month and was able to use PIX. But there needs to be a contract between countries for that to work.

aren’t credit-based

You’re right. It’s an instantaneous transfer from bank account to bank account. And that’s awesome that it’s not credit based, as people tend to spend much more than they should when using credit cards.

They should try the Brazilian PIX.

The income is a nice touch.

Why would Santa need two separate tables for this?

Typical Garry.