That's something I've wondered for a long time. Especially know when real time bank transfers aren't allowed to cost more than regular bank transfers (usually free), there's really no point in creating a seperate system.

But it seems to me like banks don't really want to make bank transfers more comfortable for small transactions.

Because the underlying "account" is not necessarily a Bank Account.

You can use QR codes with your Pix address. I don't see why it would matter that much? I think the IBAN system is mostly used in Europe.

I guess that's because pretty much nobody in Brazil knows what an IBAN is