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<!-- Created: Thu Apr 30 14:23:29 UTC 2026 -->
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        <link:definition>995310 - Disclosure - Adoption of New Accounting Standards and Interpretations Not Yet Effective</link:definition>
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        <link:definition>995312 - Disclosure - Financial Investments and Derivatives</link:definition>
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        <link:definition>995313 - Disclosure - Financial Assets Measured at Amortized Cost</link:definition>
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        <link:definition>995316 - Disclosure - Right of Use Assets and Property, Plant and Equipment</link:definition>
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        <link:definition>995318 - Disclosure - Third-Party Funds</link:definition>
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        <link:definition>995319 - Disclosure - Trade Payables</link:definition>
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      <link:roleType roleURI="http://www.picpay.com/role/ObligationtoFIDCFGTSQuotaHolders" id="pics_r_ObligationtoFIDCFGTSQuotaHolders">
        <link:definition>995320 - Disclosure - Obligation to FIDC FGTS Quota Holders</link:definition>
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        <link:definition>995321 - Disclosure - Labor Obligations</link:definition>
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        <link:definition>995322 - Disclosure - Tax</link:definition>
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        <link:definition>995323 - Disclosure - Leases</link:definition>
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      <link:roleType roleURI="http://www.picpay.com/role/ProvisionforLegalandAdministrativeClaims" id="pics_r_ProvisionforLegalandAdministrativeClaims">
        <link:definition>995324 - Disclosure - Provision for Legal and Administrative Claims</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>995325 - Disclosure - Equity</link:definition>
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        <link:definition>995326 - Disclosure - Transactions with Related Parties</link:definition>
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        <link:definition>995327 - Disclosure - Financial income</link:definition>
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        <link:definition>995328 - Disclosure - Transaction Expenses</link:definition>
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        <link:definition>995329 - Disclosure - Interest and Other Financial Expenses</link:definition>
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        <link:definition>995330 - Disclosure - Credit Loss Allowance Expenses</link:definition>
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        <link:definition>995331 - Disclosure - Technology Expenses</link:definition>
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        <link:definition>995332 - Disclosure - Marketing Expenses</link:definition>
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        <link:definition>995333 - Disclosure - Personnel Expenses</link:definition>
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        <link:definition>995334 - Disclosure - Administrative Expenses</link:definition>
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        <link:definition>995335 - Disclosure - Risk Management</link:definition>
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      <link:roleType roleURI="http://www.picpay.com/role/ReconciliationofChangesinEquityandLiabilitieswithCashFlowsfromFinancingActivities" id="pics_r_ReconciliationofChangesinEquityandLiabilitieswithCashFlowsfromFinancingActivities">
        <link:definition>995336 - Disclosure - Reconciliation of Changes in Equity and Liabilities with Cash Flows from Financing Activities</link:definition>
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      <link:roleType roleURI="http://www.picpay.com/role/Segmentinformation" id="pics_r_Segmentinformation">
        <link:definition>995337 - Disclosure - Segment information</link:definition>
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        <link:definition>995338 - Disclosure - Subsequent Events</link:definition>
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      <link:roleType roleURI="http://www.picpay.com/role/AccountingPoliciesByPolicy" id="pics_r_AccountingPoliciesByPolicy">
        <link:definition>996000 - Disclosure - Accounting Policies, by Policy (Policies)</link:definition>
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      <link:roleType roleURI="http://www.picpay.com/role/PresentationandpreparationoftheConsolidatedFinancialStatementsTables" id="pics_r_PresentationandpreparationoftheConsolidatedFinancialStatementsTables">
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      <link:roleType roleURI="http://www.picpay.com/role/CashandCashEquivalentsTables" id="pics_r_CashandCashEquivalentsTables">
        <link:definition>996002 - Disclosure - Cash and Cash Equivalents (Tables)</link:definition>
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      <link:roleType roleURI="http://www.picpay.com/role/FinancialInvestmentsandDerivativesTables" id="pics_r_FinancialInvestmentsandDerivativesTables">
        <link:definition>996003 - Disclosure - Financial Investments and Derivatives (Tables)</link:definition>
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        <link:definition>996004 - Disclosure - Financial Assets Measured at Amortized Cost (Tables)</link:definition>
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        <link:definition>996005 - Disclosure - Deferred Tax Position (Tables)</link:definition>
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      <link:roleType roleURI="http://www.picpay.com/role/RightofUseAssetsandPropertyPlantandEquipmentTables" id="pics_r_RightofUseAssetsandPropertyPlantandEquipmentTables">
        <link:definition>996006 - Disclosure - Right of Use Assets and Property, Plant and Equipment (Tables)</link:definition>
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      <link:roleType roleURI="http://www.picpay.com/role/IntangibleAssetsTables" id="pics_r_IntangibleAssetsTables">
        <link:definition>996007 - Disclosure - Intangible Assets (Tables)</link:definition>
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      <link:roleType roleURI="http://www.picpay.com/role/ThirdPartyFundsTables" id="pics_r_ThirdPartyFundsTables">
        <link:definition>996008 - Disclosure - Third-Party Funds (Tables)</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://www.picpay.com/role/TradePayablesTables" id="pics_r_TradePayablesTables">
        <link:definition>996009 - Disclosure - Trade Payables (Tables)</link:definition>
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      <link:roleType roleURI="http://www.picpay.com/role/ObligationtoFIDCFGTSQuotaHoldersTables" id="pics_r_ObligationtoFIDCFGTSQuotaHoldersTables">
        <link:definition>996010 - Disclosure - Obligation to FIDC FGTS Quota Holders (Tables)</link:definition>
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      <link:roleType roleURI="http://www.picpay.com/role/LaborObligationsTables" id="pics_r_LaborObligationsTables">
        <link:definition>996011 - Disclosure - Labor Obligations (Tables)</link:definition>
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      <link:roleType roleURI="http://www.picpay.com/role/TaxTables" id="pics_r_TaxTables">
        <link:definition>996012 - Disclosure - Tax (Tables)</link:definition>
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        <link:definition>996014 - Disclosure - Provision for Legal and Administrative Claims (Tables)</link:definition>
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      <link:roleType roleURI="http://www.picpay.com/role/EquityTables" id="pics_r_EquityTables">
        <link:definition>996015 - Disclosure - Equity (Tables)</link:definition>
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        <link:definition>996016 - Disclosure - Transactions with Related Parties (Tables)</link:definition>
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  <xs:element name="ScheduleOfReconciliationFromSegmentAdjustedGrossProfitToProfitBeforeIncomeTaxesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfReconciliationFromSegmentAdjustedGrossProfitToProfitBeforeIncomeTaxesAbstract"/>
  <xs:element name="DerivativeHedgingInstrumentOfPortfolioHedgeAccountingAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DerivativeHedgingInstrumentOfPortfolioHedgeAccountingAbstract"/>
  <xs:element name="DerivativesMeasuredAtFairValueThroughProfitAndLossAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DerivativesMeasuredAtFairValueThroughProfitAndLossAbstract"/>
  <xs:element name="DerivativesMeasuredAtFairValueThroughProfitAndLossAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DerivativesMeasuredAtFairValueThroughProfitAndLossAbstract0"/>
  <xs:element name="AssetsAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_AssetsAbstract0"/>
  <xs:element name="DerivativeHedgingInstrumentOfPortfolioHedgeAccountingAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DerivativeHedgingInstrumentOfPortfolioHedgeAccountingAbstract0"/>
  <xs:element name="DerivativesMeasuredAtFairValueThoughProfitAndLossAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DerivativesMeasuredAtFairValueThoughProfitAndLossAbstract"/>
  <xs:element name="YearOfMaturityAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_YearOfMaturityAbstract"/>
  <xs:element name="LiabilitiesAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_LiabilitiesAbstract0"/>
  <xs:element name="FinancialAssetsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialAssetsAbstract"/>
  <xs:element name="FinancialLiabilitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialLiabilitiesAbstract"/>
  <xs:element name="FinancialAssetsAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialAssetsAbstract0"/>
  <xs:element name="FinancialLiabilitiesAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialLiabilitiesAbstract0"/>
  <xs:element name="TypeAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_TypeAbstract"/>
  <xs:element name="InterestRateRiskAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_InterestRateRiskAbstract"/>
  <xs:element name="InterestRateRiskAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_InterestRateRiskAbstract0"/>
  <xs:element name="AsOfDecember312024Abstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_AsOfDecember312024Abstract"/>
  <xs:element name="FinancialAssetsAbstract1" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialAssetsAbstract1"/>
  <xs:element name="FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveAbstract"/>
  <xs:element name="FinancialAssetsMeasuredAtAmortizedCostAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialAssetsMeasuredAtAmortizedCostAbstract"/>
  <xs:element name="DerivativeFinancialInstrumentsInterestRateDerivativesMeasuredAtFairValueThroughProfitOrLossAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DerivativeFinancialInstrumentsInterestRateDerivativesMeasuredAtFairValueThroughProfitOrLossAbstract"/>
  <xs:element name="OtherFinancialAssetsMeasuredAtFairValueThroughProfitOrLossAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_OtherFinancialAssetsMeasuredAtFairValueThroughProfitOrLossAbstract"/>
  <xs:element name="FinancialLiabilitiesAbstract1" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialLiabilitiesAbstract1"/>
  <xs:element name="DerivativeMeasuredAtFairValueThroughProfitOrLossAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DerivativeMeasuredAtFairValueThroughProfitOrLossAbstract"/>
  <xs:element name="FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveAbstract0"/>
  <xs:element name="DerivativeFinancialInstrumentsInterestRateDerivativesMeasuredAtFairValueThroughProfitOrLossIncomeAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DerivativeFinancialInstrumentsInterestRateDerivativesMeasuredAtFairValueThroughProfitOrLossIncomeAbstract"/>
  <xs:element name="OtherFinancialAssetsMeasuredAtFairValueThroughProfitOrLossAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_OtherFinancialAssetsMeasuredAtFairValueThroughProfitOrLossAbstract0"/>
  <xs:element name="FairValueOfFinancialInstrumentsMeasuredAtAmortizedCostAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FairValueOfFinancialInstrumentsMeasuredAtAmortizedCostAbstract"/>
  <xs:element name="ExpensesAndIncomeThatAreNotPartOfAdjustedGrossProfitAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ExpensesAndIncomeThatAreNotPartOfAdjustedGrossProfitAbstract"/>
  <xs:element name="ExpensesAndIncomeThatAreNotPartOfAdjustedGrossProfitAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ExpensesAndIncomeThatAreNotPartOfAdjustedGrossProfitAbstract0"/>
  <xs:element name="ExpensesAndIncomeThatAreNotPartOfAdjustedGrossProfitAbstract1" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ExpensesAndIncomeThatAreNotPartOfAdjustedGrossProfitAbstract1"/>
  <xs:element name="CurrentfinancialassetsatfairvaluethroughprofitorlossFinancialInvestments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_CurrentfinancialassetsatfairvaluethroughprofitorlossFinancialInvestments"/>
  <xs:element name="FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeFinancialInvestments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeFinancialInvestments"/>
  <xs:element name="FinancialassetsmeasuredatamortizedcostFinancialInvestments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialassetsmeasuredatamortizedcostFinancialInvestments"/>
  <xs:element name="LegalDeposits" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_LegalDeposits"/>
  <xs:element name="ThirdpartyFunds" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_ThirdpartyFunds"/>
  <xs:element name="ObligationsToFIDCFGTSQuotaHolders" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_ObligationsToFIDCFGTSQuotaHolders"/>
  <xs:element name="LaborObligations" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_LaborObligations"/>
  <xs:element name="ProvisionForLegalAndAdministrativeClaims" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_ProvisionForLegalAndAdministrativeClaims"/>
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  <xs:element name="MarketingExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_MarketingExpenses"/>
  <xs:element name="ComprehensiveIncomeAttributableToDeferredIncomeTax" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_ComprehensiveIncomeAttributableToDeferredIncomeTax"/>
  <xs:element name="IncreaseDecreaseThroughCapitalReserveEquity" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_IncreaseDecreaseThroughCapitalReserveEquity"/>
  <xs:element name="ReclassificationOfFairValueAdjustmentToProfitOrLoss" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_ReclassificationOfFairValueAdjustmentToProfitOrLoss"/>
  <xs:element name="DeferredIncomeTax" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_DeferredIncomeTax"/>
  <xs:element name="ProvisionForLegalAndAdministrativesClaims" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_ProvisionForLegalAndAdministrativesClaims"/>
  <xs:element name="ChargebackProvision" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_ChargebackProvision"/>
  <xs:element name="AdjustmentsForCreditLossAllowance" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_AdjustmentsForCreditLossAllowance"/>
  <xs:element name="WriteoffLossOnDisposalOfIntangibleAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_WriteoffLossOnDisposalOfIntangibleAssets"/>
  <xs:element name="InterestAccruedOnThirdPartyFunds" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_InterestAccruedOnThirdPartyFunds"/>
  <xs:element name="InterestAccruedOnConsumerLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_InterestAccruedOnConsumerLoans"/>
  <xs:element name="InterestAccruedOnFIDCFGTSSeniorQuotas" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_InterestAccruedOnFIDCFGTSSeniorQuotas"/>
  <xs:element name="InterestAccruedOnFinancialAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_InterestAccruedOnFinancialAssets"/>
  <xs:element name="AdjustmentsForIncreaseDecreaseInThirdpartyFunds" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_AdjustmentsForIncreaseDecreaseInThirdpartyFunds"/>
  <xs:element name="AdjustmentsForIncreaseDecreaseInLaborObligationsAndTaxesPayable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_AdjustmentsForIncreaseDecreaseInLaborObligationsAndTaxesPayable"/>
  <xs:element name="AdjustmentForIncreaseDecreaseInLegalAndAdministrativeClaims" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_AdjustmentForIncreaseDecreaseInLegalAndAdministrativeClaims"/>
  <xs:element name="AdjustmentForIncreaseDecreaseInIncomeTaxAndSocialContributionPaid" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_AdjustmentForIncreaseDecreaseInIncomeTaxAndSocialContributionPaid"/>
  <xs:element name="AcquisitionOfSubsidiariesNetOfCashAcquired" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_AcquisitionOfSubsidiariesNetOfCashAcquired"/>
  <xs:element name="AcquisitionOfCreditCardOperations" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_AcquisitionOfCreditCardOperations"/>
  <xs:element name="AcquisitionOfFIDCPICPAYSubordinatedQuotas" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_AcquisitionOfFIDCPICPAYSubordinatedQuotas"/>
  <xs:element name="CorporateReorganization" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_CorporateReorganization"/>
  <xs:element name="DisclosureOfOperatingContextTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DisclosureOfOperatingContextTextBlock"/>
  <xs:element name="FinancialAssetsMeasuredAtAmortizedCostsTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialAssetsMeasuredAtAmortizedCostsTextBlock"/>
  <xs:element name="DisclosureOfThirdpartyFundsExplanatory" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DisclosureOfThirdpartyFundsExplanatory"/>
  <xs:element name="DisclosureOfObligationToFIDCFGTSQuotaHoldersTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DisclosureOfObligationToFIDCFGTSQuotaHoldersTextBlock"/>
  <xs:element name="DisclosureOfLaborObligationsTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DisclosureOfLaborObligationsTextBlock"/>
  <xs:element name="DisclosureOfTransactionExpensesTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DisclosureOfTransactionExpensesTextBlock"/>
  <xs:element name="DisclosureOfPersonnelExpensesTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DisclosureOfPersonnelExpensesTextBlock"/>
  <xs:element name="DescriptionOfAccountingPolicyForFinancialAssetsAndLiabilitiespolicyTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DescriptionOfAccountingPolicyForFinancialAssetsAndLiabilitiespolicyTextBlock"/>
  <xs:element name="DescriptionOfAccountingPolicyForExpectedCreditLossespolicyTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DescriptionOfAccountingPolicyForExpectedCreditLossespolicyTextBlock"/>
  <xs:element name="DescriptionOfAccountingPolicyForThirdPartyFundspolicyTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DescriptionOfAccountingPolicyForThirdPartyFundspolicyTextBlock"/>
  <xs:element name="DescriptionOfAccountingPolicyForProvisionForLegalAndAdministrativeClaimspolicyTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DescriptionOfAccountingPolicyForProvisionForLegalAndAdministrativeClaimspolicyTextBlock"/>
  <xs:element name="DescriptionOfAccountingPolicyForLongTermIncentivePlanshareBasedPaymentpolicyTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DescriptionOfAccountingPolicyForLongTermIncentivePlanshareBasedPaymentpolicyTextBlock"/>
  <xs:element name="DisclosureOfCashAndCashEquivalentsTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DisclosureOfCashAndCashEquivalentsTextBlock"/>
  <xs:element name="ScheduleOfTradeReceivablesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfTradeReceivablesTableTextBlock"/>
  <xs:element name="ScheduleOfBreakdownByMaturityTradeReceivablesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfBreakdownByMaturityTradeReceivablesTableTextBlock"/>
  <xs:element name="ScheduleOfConsumerLoanTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfConsumerLoanTableTextBlock"/>
  <xs:element name="ScheduleOfCreditLossAllowanceBreakdownTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfCreditLossAllowanceBreakdownTableTextBlock"/>
  <xs:element name="ScheduleOfBreakdownByMaturityTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfBreakdownByMaturityTableTextBlock"/>
  <xs:element name="ScheduleOfExpectedCreditLossesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfExpectedCreditLossesTableTextBlock"/>
  <xs:element name="ScheduleOfChangesInCreditLossAllowanceTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfChangesInCreditLossAllowanceTableTextBlock"/>
  <xs:element name="ScheduleOfOtherReceivablesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfOtherReceivablesTableTextBlock"/>
  <xs:element name="DisclosureOfDeferredTaxPositionTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DisclosureOfDeferredTaxPositionTableTextBlock"/>
  <xs:element name="ScheduleOfThirdPartyFundsTableTextBlockExplanatory" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfThirdPartyFundsTableTextBlockExplanatory"/>
  <xs:element name="ScheduleOfTradePayablesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfTradePayablesTableTextBlock"/>
  <xs:element name="ScheduleOfCreditCardTransactionsTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfCreditCardTransactionsTableTextBlock"/>
  <xs:element name="DisclosureOfDetailedInformationAboutObligationToFIDCFGTSQuotaHoldersTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DisclosureOfDetailedInformationAboutObligationToFIDCFGTSQuotaHoldersTableTextBlock"/>
  <xs:element name="DisclosureOfLaborObligationsTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DisclosureOfLaborObligationsTableTextBlock"/>
  <xs:element name="ScheduleOfTaxesPayableTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfTaxesPayableTableTextBlock"/>
  <xs:element name="ScheduleOfIncomeTaxAndSocialContributionTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfIncomeTaxAndSocialContributionTableTextBlock"/>
  <xs:element name="ScheduleOfUnrecognizedDeferredTaxAssetsTableTextBock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfUnrecognizedDeferredTaxAssetsTableTextBock"/>
  <xs:element name="ScheduleOfProvisionForLegalAndAdministrativeClaimsTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfProvisionForLegalAndAdministrativeClaimsTableTextBlock"/>
  <xs:element name="DisclosureOfFinanceIncomeTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DisclosureOfFinanceIncomeTableTextBlock"/>
  <xs:element name="DisclosureOfTransactionExpensesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DisclosureOfTransactionExpensesTableTextBlock"/>
  <xs:element name="DisclosureOfInterestAndOtherFinancialExpensesTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DisclosureOfInterestAndOtherFinancialExpensesTextBlock"/>
  <xs:element name="DisclosureOfDetailedInformationOfTechnologyExpenses" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DisclosureOfDetailedInformationOfTechnologyExpenses"/>
  <xs:element name="ScheduleOfMarketingExpensesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfMarketingExpensesTableTextBlock"/>
  <xs:element name="DisclosureOfDetailedInformationOfPersonnelExpensesTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DisclosureOfDetailedInformationOfPersonnelExpensesTextBlock"/>
  <xs:element name="DisclosureOfDetailedInformationAboutAdministrativeExpensesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DisclosureOfDetailedInformationAboutAdministrativeExpensesTableTextBlock"/>
  <xs:element name="ScheduleOfCreditExposureFromFinancialAssetsPreapprovedCreditCardLimitsAndDerivativeFinancialInstrumentsTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfCreditExposureFromFinancialAssetsPreapprovedCreditCardLimitsAndDerivativeFinancialInstrumentsTableTextBlock"/>
  <xs:element name="ScheduleOfDemonstratesTheSensitivityOfFairValueOfGroupsFinancialInstrumentsTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfDemonstratesTheSensitivityOfFairValueOfGroupsFinancialInstrumentsTableTextBlock"/>
  <xs:element name="ScheduleOfFloatingRateInstrumentsTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfFloatingRateInstrumentsTableTextBlock"/>
  <xs:element name="ScheduleOfCapitalRatiosTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfCapitalRatiosTableTextBlock"/>
  <xs:element name="ScheduleOfFairValueOfFinancialInstrumentsTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfFairValueOfFinancialInstrumentsTableTextBlock"/>
  <xs:element name="DisclosureOfDetailedInformationReconciliationOfChangesInEquityAndLiabilitiesWithCashFlowsFromFinancingActivitiesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DisclosureOfDetailedInformationReconciliationOfChangesInEquityAndLiabilitiesWithCashFlowsFromFinancingActivitiesTableTextBlock"/>
  <xs:element name="ScheduleOfSegmentInformationTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfSegmentInformationTableTextBlock"/>
  <xs:element name="ScheduleOfRevenueAndFinancialIncomeReconciliationTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfRevenueAndFinancialIncomeReconciliationTableTextBlock"/>
  <xs:element name="ScheduleOfReconciliationFromSegmentAdjustedGrossProfitToProfitBeforeIncomeTaxesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfReconciliationFromSegmentAdjustedGrossProfitToProfitBeforeIncomeTaxesTableTextBlock"/>
  <xs:element name="PresentationandpreparationoftheConsolidatedFinancialStatementsScheduleofConsolidatedFinancialStatementDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_PresentationandpreparationoftheConsolidatedFinancialStatementsScheduleofConsolidatedFinancialStatementDetailsTable"/>
  <xs:element name="ProportionofControlSubsidiary" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ProportionofControlSubsidiary"/>
  <xs:element name="ReverseRepurchaseAgreementsInCashAndCashEquivalents" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_ReverseRepurchaseAgreementsInCashAndCashEquivalents"/>
  <xs:element name="FinancialInvestmentsandDerivativesScheduleofFinancialInvestmentsSecuritiesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_FinancialInvestmentsandDerivativesScheduleofFinancialInvestmentsSecuritiesDetailsTable"/>
  <xs:element name="FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomes" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomes"/>
  <xs:element name="FinancialAssetsMeasuredAtAmortizedCost" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialAssetsMeasuredAtAmortizedCost"/>
  <xs:element name="FinancialInvestmentsandDerivativesScheduleofDerivativeFinancialInstrumentsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_FinancialInvestmentsandDerivativesScheduleofDerivativeFinancialInstrumentsDetailsTable"/>
  <xs:element name="FinancialTransactionsProcessedByAcquirers" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialTransactionsProcessedByAcquirers"/>
  <xs:element name="FinancialTransactionsProcessedByCardIssuers" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialTransactionsProcessedByCardIssuers"/>
  <xs:element name="FinancialAssetsMeasuredatAmortizedCostScheduleofBreakdownbyMaturityTradeReceivablesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_FinancialAssetsMeasuredatAmortizedCostScheduleofBreakdownbyMaturityTradeReceivablesDetailsTable"/>
  <xs:element name="FinancialAssetsMeasuredatAmortizedCostScheduleofBreakdownbyMaturityTradeReceivablesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialAssetsMeasuredatAmortizedCostScheduleofBreakdownbyMaturityTradeReceivablesDetailsLineItems"/>
  <xs:element name="GrossAmountConsumerLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_GrossAmountConsumerLoans"/>
  <xs:element name="CreditLossAllowanceOnBalance" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_CreditLossAllowanceOnBalance"/>
  <xs:element name="CreditLossAllowanceOffBalance" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_CreditLossAllowanceOffBalance"/>
  <xs:element name="TotalCreditLossAllowance" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_TotalCreditLossAllowance"/>
  <xs:element name="ConsumerLoansAmortizedCost" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_ConsumerLoansAmortizedCost"/>
  <xs:element name="FairValueAdjustmentPortfolioHedgeNote" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_FairValueAdjustmentPortfolioHedgeNote"/>
  <xs:element name="FinancialAssetsMeasuredatAmortizedCostScheduleofCreditLossAllowanceBreakdownDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_FinancialAssetsMeasuredatAmortizedCostScheduleofCreditLossAllowanceBreakdownDetailsTable"/>
  <xs:element name="FinancialAssetsMeasuredatAmortizedCostScheduleofCreditLossAllowanceBreakdownDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialAssetsMeasuredatAmortizedCostScheduleofCreditLossAllowanceBreakdownDetailsLineItems"/>
  <xs:element name="PercentageOfGrossExposure" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_PercentageOfGrossExposure"/>
  <xs:element name="PercentageOfCreditLossAllowance" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_PercentageOfCreditLossAllowance"/>
  <xs:element name="PercentageOfCoverageRatio" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_PercentageOfCoverageRatio"/>
  <xs:element name="FinancialAssetsMeasuredatAmortizedCostScheduleofBreakdownbyMaturityDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_FinancialAssetsMeasuredatAmortizedCostScheduleofBreakdownbyMaturityDetailsTable"/>
  <xs:element name="FinancialAssetsMeasuredatAmortizedCostScheduleofBreakdownbyMaturityDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialAssetsMeasuredatAmortizedCostScheduleofBreakdownbyMaturityDetailsLineItems"/>
  <xs:element name="DuePaymentsBreakdownByMaturity" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_DuePaymentsBreakdownByMaturity"/>
  <xs:element name="PercentageOfLoanMaturityByBreakdown" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PercentageOfLoanMaturityByBreakdown"/>
  <xs:element name="OverdueAndNotOverduePaymentByMaturity" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_OverdueAndNotOverduePaymentByMaturity"/>
  <xs:element name="OverdueAndNotOverdueByMaturityPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_OverdueAndNotOverdueByMaturityPercentage"/>
  <xs:element name="FinancialAssetsMeasuredatAmortizedCostScheduleofExpectedCreditLossesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_FinancialAssetsMeasuredatAmortizedCostScheduleofExpectedCreditLossesDetailsTable"/>
  <xs:element name="FinancialAssetsMeasuredatAmortizedCostScheduleofExpectedCreditLossesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialAssetsMeasuredatAmortizedCostScheduleofExpectedCreditLossesDetailsLineItems"/>
  <xs:element name="AllowanceAccountForCreditLossesOfFinancialAsset" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_AllowanceAccountForCreditLossesOfFinancialAsset"/>
  <xs:element name="FinancialAssetsMeasuredatAmortizedCostScheduleofChangesinCreditLossAllowanceDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_FinancialAssetsMeasuredatAmortizedCostScheduleofChangesinCreditLossAllowanceDetailsTable"/>
  <xs:element name="TransferFromStage1ToStage2" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_TransferFromStage1ToStage2"/>
  <xs:element name="TransferFromStage1ToStage3" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_TransferFromStage1ToStage3"/>
  <xs:element name="TransferfromStage2toStage3" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_TransferfromStage2toStage3"/>
  <xs:element name="TransferfromStage2toStage1" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_TransferfromStage2toStage1"/>
  <xs:element name="TransferfromStage3toStage1" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_TransferfromStage3toStage1"/>
  <xs:element name="TransferFromStage3ToStage2" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_TransferFromStage3ToStage2"/>
  <xs:element name="NewOriginatedFinancialAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_NewOriginatedFinancialAssets"/>
  <xs:element name="IncreaseDecreaseInChangesInExposuresAndRiskMigration" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_IncreaseDecreaseInChangesInExposuresAndRiskMigration"/>
  <xs:element name="Writeoffs" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_Writeoffs"/>
  <xs:element name="IncreaseDecreaseinChangesToECLCalculationMethods" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_IncreaseDecreaseinChangesToECLCalculationMethods"/>
  <xs:element name="SundryReceivables" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_SundryReceivables"/>
  <xs:element name="IncomeTaxAndSocialContributionToOffset" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_IncomeTaxAndSocialContributionToOffset"/>
  <xs:element name="IncomeTaxAndDeferredTaxAssetAmount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_IncomeTaxAndDeferredTaxAssetAmount"/>
  <xs:element name="DeferredTaxPositionScheduleofDeferredTaxAssetsandDeferredTaxLiabilityDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_DeferredTaxPositionScheduleofDeferredTaxAssetsandDeferredTaxLiabilityDetailsTable"/>
  <xs:element name="TaxLossAndSocialContributionNegativeBasis" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_TaxLossAndSocialContributionNegativeBasis"/>
  <xs:element name="DeferredTaxAsset" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_DeferredTaxAsset"/>
  <xs:element name="FairValueAdjustmentFutureContractDIAndDDI" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_FairValueAdjustmentFutureContractDIAndDDI"/>
  <xs:element name="RightofUseAssetsandPropertyPlantandEquipmentScheduleofRightofUseAssetsandPropertyPlantandEquipmentDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_RightofUseAssetsandPropertyPlantandEquipmentScheduleofRightofUseAssetsandPropertyPlantandEquipmentDetailsTable"/>
  <xs:element name="RightofUseAssetsandPropertyPlantandEquipmentScheduleofChangesinRightofUseAssetsandPropertyPlantandEquipmentDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_RightofUseAssetsandPropertyPlantandEquipmentScheduleofChangesinRightofUseAssetsandPropertyPlantandEquipmentDetailsTable"/>
  <xs:element name="ReclassificationsPropertyPlantAndEquipmentIncludingRightofuseAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_ReclassificationsPropertyPlantAndEquipmentIncludingRightofuseAssets"/>
  <xs:element name="IntangibleAssetsScheduleofIntangibleAssetsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_IntangibleAssetsScheduleofIntangibleAssetsDetailsTable"/>
  <xs:element name="IntangibleAssetsScheduleofDemonstratestheChangesDuringtheYearsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_IntangibleAssetsScheduleofDemonstratestheChangesDuringtheYearsDetailsTable"/>
  <xs:element name="IntangibleAssetsScheduleofDemonstratestheChangesDuringtheYearsDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_IntangibleAssetsScheduleofDemonstratestheChangesDuringtheYearsDetailsLineItems"/>
  <xs:element name="ReclassificationOfIntangibleAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_ReclassificationOfIntangibleAssets"/>
  <xs:element name="WriteOffsIntangibleAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_WriteOffsIntangibleAssets"/>
  <xs:element name="ThirdPartyFundsScheduleofThirdPartyFundsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_ThirdPartyFundsScheduleofThirdPartyFundsDetailsTable"/>
  <xs:element name="ServiceProvidersAndConsumables" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_ServiceProvidersAndConsumables"/>
  <xs:element name="OperationalSuppliers" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_OperationalSuppliers"/>
  <xs:element name="CreditCardTransactions" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_CreditCardTransactions"/>
  <xs:element name="TradePayablesScheduleofCreditCardTransactionsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_TradePayablesScheduleofCreditCardTransactionsDetailsTable"/>
  <xs:element name="TradePayablesScheduleofCreditCardTransactionsDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_TradePayablesScheduleofCreditCardTransactionsDetailsLineItems"/>
  <xs:element name="ObligationtoFIDCFGTSQuotaHoldersScheduleofObligationtoFIDCFGTSQuotaHoldersDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_ObligationtoFIDCFGTSQuotaHoldersScheduleofObligationtoFIDCFGTSQuotaHoldersDetailsTable"/>
  <xs:element name="PersonnelExpensePayable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_PersonnelExpensePayable"/>
  <xs:element name="SocialSecurityChargePayable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_SocialSecurityChargePayable"/>
  <xs:element name="WithholdingTaxes" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_WithholdingTaxes"/>
  <xs:element name="PayrollTaxes" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_PayrollTaxes"/>
  <xs:element name="SocialSecurityContributionOnRevenues" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_SocialSecurityContributionOnRevenues"/>
  <xs:element name="IncomeTaxAndSocialContribution" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_IncomeTaxAndSocialContribution"/>
  <xs:element name="OtherTaxes" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_OtherTaxes"/>
  <xs:element name="PermanentAdditionsExclusions" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_PermanentAdditionsExclusions"/>
  <xs:element name="EffectOfDifferentTaxRatesSubsidiaries" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_EffectOfDifferentTaxRatesSubsidiaries"/>
  <xs:element name="CompensationOfPreviouslyUnrecognizedDeductibleTemporaryDifferences" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_CompensationOfPreviouslyUnrecognizedDeductibleTemporaryDifferences"/>
  <xs:element name="CompensationOfPreviouslyUnrecognizedTaxLoss" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_CompensationOfPreviouslyUnrecognizedTaxLoss"/>
  <xs:element name="DeferredTaxAssetRecognition" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_DeferredTaxAssetRecognition"/>
  <xs:element name="ResearchandDevelopmentTaxIncentives" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_ResearchandDevelopmentTaxIncentives"/>
  <xs:element name="IncomeTaxAndSocialContributionOthers" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_IncomeTaxAndSocialContributionOthers"/>
  <xs:element name="UnrecognizedDeferredTaxAssetsDomainDomain" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_UnrecognizedDeferredTaxAssetsDomainDomain"/>
  <xs:element name="TaxScheduleofUnrecognizedDeferredTaxAssetsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_TaxScheduleofUnrecognizedDeferredTaxAssetsDetailsTable"/>
  <xs:element name="LeasesScheduleofLeasePayablebyMaturityDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_LeasesScheduleofLeasePayablebyMaturityDetailsTable"/>
  <xs:element name="LeasesScheduleofLeasePayablebyMaturityDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_LeasesScheduleofLeasePayablebyMaturityDetailsLineItems"/>
  <xs:element name="ProvisionforLegalandAdministrativeClaimsScheduleofProvisionforLegalandAdministrativeClaimsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_ProvisionforLegalandAdministrativeClaimsScheduleofProvisionforLegalandAdministrativeClaimsDetailsTable"/>
  <xs:element name="ProvisionForConstitution" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_ProvisionForConstitution"/>
  <xs:element name="ProvisionForReversalDueToPayment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_ProvisionForReversalDueToPayment"/>
  <xs:element name="EquityScheduleofCompositionofShareCapitalDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_EquityScheduleofCompositionofShareCapitalDetailsTable"/>
  <xs:element name="NumberOfSharesPercentage" type="dtr1:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_NumberOfSharesPercentage"/>
  <xs:element name="TransactionswithRelatedPartiesScheduleofTransactionswithRelatedPartiesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_TransactionswithRelatedPartiesScheduleofTransactionswithRelatedPartiesDetailsTable"/>
  <xs:element name="TransactionswithRelatedPartiesScheduleofTransactionswithRelatedPartiesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_TransactionswithRelatedPartiesScheduleofTransactionswithRelatedPartiesDetailsLineItems"/>
  <xs:element name="CommissionBankingCorrespondentAndMarketplace" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_CommissionBankingCorrespondentAndMarketplace"/>
  <xs:element name="RevenueFromFinancialInvestments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_RevenueFromFinancialInvestments"/>
  <xs:element name="AdministrativeExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_AdministrativeExpenses"/>
  <xs:element name="CreditCardAcquisition" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_CreditCardAcquisition"/>
  <xs:element name="ThirdpartyFraudPreventionServices" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_ThirdpartyFraudPreventionServices"/>
  <xs:element name="PicPayCardIssuanceExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_PicPayCardIssuanceExpenses"/>
  <xs:element name="Chargeback" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_Chargeback"/>
  <xs:element name="CostOfFunding" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_CostOfFunding"/>
  <xs:element name="DerivativeFinancialInstruments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_DerivativeFinancialInstruments"/>
  <xs:element name="OthersInterestExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_OthersInterestExpenses"/>
  <xs:element name="ProvisionForExpectedLossesCreditRisk" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_ProvisionForExpectedLossesCreditRisk"/>
  <xs:element name="TechnologyExpensesScheduleofTechnologyExpensesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_TechnologyExpensesScheduleofTechnologyExpensesDetailsTable"/>
  <xs:element name="TechnologyExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_TechnologyExpenses"/>
  <xs:element name="Cashback" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_Cashback"/>
  <xs:element name="DigitalMarketing" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_DigitalMarketing"/>
  <xs:element name="CustomerAcquisitionExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_CustomerAcquisitionExpenses"/>
  <xs:element name="PersonnelExpensesScheduleofPersonnelExpensesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_PersonnelExpensesScheduleofPersonnelExpensesDetailsTable"/>
  <xs:element name="PersonnelExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_PersonnelExpenses"/>
  <xs:element name="AdministrativeExpensesScheduleofAdministrativeExpensesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_AdministrativeExpensesScheduleofAdministrativeExpensesDetailsTable"/>
  <xs:element name="AdministrativeExpensesScheduleofAdministrativeExpensesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_AdministrativeExpensesScheduleofAdministrativeExpensesDetailsLineItems"/>
  <xs:element name="RiskManagementScheduleofCreditExposurefromFinancialAssetsPreapprovedCreditCardLimitsandDerivativeFinancialInstrumentsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_RiskManagementScheduleofCreditExposurefromFinancialAssetsPreapprovedCreditCardLimitsandDerivativeFinancialInstrumentsDetailsTable"/>
  <xs:element name="RiskManagementScheduleofCreditExposurefromFinancialAssetsPreapprovedCreditCardLimitsandDerivativeFinancialInstrumentsDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_RiskManagementScheduleofCreditExposurefromFinancialAssetsPreapprovedCreditCardLimitsandDerivativeFinancialInstrumentsDetailsLineItems"/>
  <xs:element name="RiskManagementScheduleofDemonstratestheSensitivityofFairValueofGroupsFinancialInstrumentsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_RiskManagementScheduleofDemonstratestheSensitivityofFairValueofGroupsFinancialInstrumentsDetailsTable"/>
  <xs:element name="FinancialInstrumentsNet" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialInstrumentsNet"/>
  <xs:element name="RiskManagementScheduleofFloatingRateInstrumentsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_RiskManagementScheduleofFloatingRateInstrumentsDetailsTable"/>
  <xs:element name="RiskManagementScheduleofGrouphadnoAmountsExposedtoForeignCurrencyDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_RiskManagementScheduleofGrouphadnoAmountsExposedtoForeignCurrencyDetailsTable"/>
  <xs:element name="RiskManagementScheduleofFinancialAssetsatFairValuethroughotherComprehensiveIncomeDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_RiskManagementScheduleofFinancialAssetsatFairValuethroughotherComprehensiveIncomeDetailsTable"/>
  <xs:element name="TotalAmountOfHedgedItem" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_TotalAmountOfHedgedItem"/>
  <xs:element name="HedgedItemLiability" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_HedgedItemLiability"/>
  <xs:element name="FinancialInstrumentDesignatedAsHedgingInstrumentsAtFairValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialInstrumentDesignatedAsHedgingInstrumentsAtFairValue"/>
  <xs:element name="HedgeEffectivenessPercentage" type="dtr1:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_HedgeEffectivenessPercentage"/>
  <xs:element name="RiskManagementScheduleofLiabilitiesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_RiskManagementScheduleofLiabilitiesDetailsTable"/>
  <xs:element name="RiskManagementScheduleofCapitalRatiosDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_RiskManagementScheduleofCapitalRatiosDetailsTable"/>
  <xs:element name="RiskweightedAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_RiskweightedAssets"/>
  <xs:element name="CommonEquityTierIRatio" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_CommonEquityTierIRatio"/>
  <xs:element name="Tier1Ratio" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_Tier1Ratio"/>
  <xs:element name="CartotalCapitalRatio" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_CartotalCapitalRatio"/>
  <xs:element name="RiskManagementScheduleofFairValueofFinancialInstrumentsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_RiskManagementScheduleofFairValueofFinancialInstrumentsDetailsTable"/>
  <xs:element name="FinancialAsset" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialAsset"/>
  <xs:element name="RiskManagementScheduleofFinancialAssetsandLiabilitiesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_RiskManagementScheduleofFinancialAssetsandLiabilitiesDetailsTable"/>
  <xs:element name="FairValueAssetsOfFinancialInstrumentsMeasuredAtAmortizedCost" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_FairValueAssetsOfFinancialInstrumentsMeasuredAtAmortizedCost"/>
  <xs:element name="AmountsReceivableFromCardIssuers" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_AmountsReceivableFromCardIssuers"/>
  <xs:element name="FairValueOfFinancialInstrumentsMeasuredAtAmortizedCost" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_FairValueOfFinancialInstrumentsMeasuredAtAmortizedCost"/>
  <xs:element name="LiabilityLeaseVariationsWithEffectOnCash" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_LiabilityLeaseVariationsWithEffectOnCash"/>
  <xs:element name="ShareCapitalAndAdditionalPaidInShareCapitalVariationsWithEffectOnCash" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_ShareCapitalAndAdditionalPaidInShareCapitalVariationsWithEffectOnCash"/>
  <xs:element name="EquityCapitalReserveVariationsWithEffectOnCash" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_EquityCapitalReserveVariationsWithEffectOnCash"/>
  <xs:element name="EquitySharePremiumReservePaymentOfLeases" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_EquitySharePremiumReservePaymentOfLeases"/>
  <xs:element name="ShareCapitalAndAdditionalPaidInShareCapitalPaymentOfLeases" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_ShareCapitalAndAdditionalPaidInShareCapitalPaymentOfLeases"/>
  <xs:element name="EquityCapitalReservePaymentOfLeases" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_EquityCapitalReservePaymentOfLeases"/>
  <xs:element name="LiabilityLeaseShareCapitalIncrease" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_LiabilityLeaseShareCapitalIncrease"/>
  <xs:element name="ShareCapitalAndAdditionalPaidInShareCapitalShareCapitalIncrease" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_ShareCapitalAndAdditionalPaidInShareCapitalShareCapitalIncrease"/>
  <xs:element name="LiabilityLeaseVariationsWithoutEffectOnCash" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_LiabilityLeaseVariationsWithoutEffectOnCash"/>
  <xs:element name="EquitySharePremiumReserveVariationsWithoutEffectOnCash" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_EquitySharePremiumReserveVariationsWithoutEffectOnCash"/>
  <xs:element name="EquityCapitalReserveVariationsWithoutEffectOnCash" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_EquityCapitalReserveVariationsWithoutEffectOnCash"/>
  <xs:element name="LiabilityLeaseNetOfLeasePaymentInterestAndRemeasurements" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_LiabilityLeaseNetOfLeasePaymentInterestAndRemeasurements"/>
  <xs:element name="ShareCapitalAndAdditionalPaidInShareCapitalNetOfLeasePaymentInterestAndRemeasurem" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_ShareCapitalAndAdditionalPaidInShareCapitalNetOfLeasePaymentInterestAndRemeasurem"/>
  <xs:element name="EquityCapitalReserveNetOfLeasePaymentInterestAndRemeasurements" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_EquityCapitalReserveNetOfLeasePaymentInterestAndRemeasurements"/>
  <xs:element name="SegmentinformationScheduleofSegmentInformationDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_SegmentinformationScheduleofSegmentInformationDetailsTable"/>
  <xs:element name="SegmentinformationScheduleofSegmentInformationDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_SegmentinformationScheduleofSegmentInformationDetailsLineItems"/>
  <xs:element name="NetRevenueFromTransactionActivitiesAndOtherServices" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_NetRevenueFromTransactionActivitiesAndOtherServices"/>
  <xs:element name="SegmentinformationScheduleofRevenueandFinancialIncomeReconciliationDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_SegmentinformationScheduleofRevenueandFinancialIncomeReconciliationDetailsTable"/>
  <xs:element name="SegmentinformationScheduleofRevenueandFinancialIncomeReconciliationDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_SegmentinformationScheduleofRevenueandFinancialIncomeReconciliationDetailsLineItems"/>
  <xs:element name="TotalReportableSegments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_TotalReportableSegments"/>
  <xs:element name="IntersegmentRevenue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_IntersegmentRevenue"/>
  <xs:element name="SegmentinformationScheduleofReconciliationfromSegmentAdjustedGrossprofittoProfitBeforeIncomeTaxesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_SegmentinformationScheduleofReconciliationfromSegmentAdjustedGrossprofittoProfitBeforeIncomeTaxesDetailsTable"/>
  <xs:element name="OperatingContextDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_OperatingContextDetailsTable"/>
  <xs:element name="PercentageOfCommonSharesIssued" type="dtr1:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_PercentageOfCommonSharesIssued"/>
  <xs:element name="PercentageOfCommonSharesOutstanding" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PercentageOfCommonSharesOutstanding"/>
  <xs:element name="PercentageOfCapitalStockIssued" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_PercentageOfCapitalStockIssued"/>
  <xs:element name="PercentageOfCapitalStockOsutstanding" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_PercentageOfCapitalStockOsutstanding"/>
  <xs:element name="PresentationandpreparationoftheConsolidatedFinancialStatementsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_PresentationandpreparationoftheConsolidatedFinancialStatementsDetailsTable"/>
  <xs:element name="NumberOfQuotasInFund" type="xbrli:integerItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_NumberOfQuotasInFund"/>
  <xs:element name="PercentageOfShareCapital" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PercentageOfShareCapital"/>
  <xs:element name="PercentageRemainingEstruturalsShareCapital" type="dtr1:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PercentageRemainingEstruturalsShareCapital"/>
  <xs:element name="PurchasePriceAmount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_PurchasePriceAmount"/>
  <xs:element name="EstruturalAmounts" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_EstruturalAmounts"/>
  <xs:element name="MaterialAccountingPoliciesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_MaterialAccountingPoliciesDetailsTable"/>
  <xs:element name="PercentageOfProbability" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PercentageOfProbability"/>
  <xs:element name="PercentageOfConsideredProbability" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PercentageOfConsideredProbability"/>
  <xs:element name="AmortizationPeriodOfIntangibleAssets" type="xbrli:durationItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_AmortizationPeriodOfIntangibleAssets"/>
  <xs:element name="PercentageOfAnnualRatesAmortization" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PercentageOfAnnualRatesAmortization"/>
  <xs:element name="PaymentsToSuppliersProcess" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PaymentsToSuppliersProcess"/>
  <xs:element name="ForeignTransactionsAreSettledWithinBusinessDay" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ForeignTransactionsAreSettledWithinBusinessDay"/>
  <xs:element name="AdditionalIncomeTaxRate" type="dtr1:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_AdditionalIncomeTaxRate"/>
  <xs:element name="CorporateIncomeTax" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_CorporateIncomeTax"/>
  <xs:element name="MinimumCorporateIncomeTaxRate" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_MinimumCorporateIncomeTaxRate"/>
  <xs:element name="PercentageOfAdditionalIncreaseDeferredTaxAsset" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_PercentageOfAdditionalIncreaseDeferredTaxAsset"/>
  <xs:element name="PercentageOfRemunerationOfCDI" type="dtr1:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PercentageOfRemunerationOfCDI"/>
  <xs:element name="AdjustmentsForExpectedCreditLossForTradeAndOtherReceivables" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_AdjustmentsForExpectedCreditLossForTradeAndOtherReceivables"/>
  <xs:element name="FraudRisk" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_FraudRisk"/>
  <xs:element name="IncomeTaxAuthoritiesDomainDomain" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_IncomeTaxAuthoritiesDomainDomain"/>
  <xs:element name="DeferredTaxPositionDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_DeferredTaxPositionDetailsTable"/>
  <xs:element name="IntangibleAssetsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_IntangibleAssetsDetailsTable"/>
  <xs:element name="ThirdPartyFundsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_ThirdPartyFundsDetailsTable"/>
  <xs:element name="GovernmentBondAverageRemunerationRate" type="dtr1:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_GovernmentBondAverageRemunerationRate"/>
  <xs:element name="SeniorQuotasWithRemunerationOfCDI" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_SeniorQuotasWithRemunerationOfCDI"/>
  <xs:element name="MaturityTermOfRedeemedSeniorQuotas" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_MaturityTermOfRedeemedSeniorQuotas"/>
  <xs:element name="PayrollTaxesAndSocialSecurityChargesPayable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_PayrollTaxesAndSocialSecurityChargesPayable"/>
  <xs:element name="LaborObligationsToTaxClaims" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_LaborObligationsToTaxClaims"/>
  <xs:element name="TaxDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_TaxDetailsTable"/>
  <xs:element name="TaxesPayable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_TaxesPayable"/>
  <xs:element name="ProvisionforLegalandAdministrativeClaimsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_ProvisionforLegalandAdministrativeClaimsDetailsTable"/>
  <xs:element name="RiskOfLossOnProvision" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_RiskOfLossOnProvision"/>
  <xs:element name="TaxContingencies" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_TaxContingencies"/>
  <xs:element name="ReclassificationOfTaxContingencies" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_ReclassificationOfTaxContingencies"/>
  <xs:element name="LaborObligation" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_LaborObligation"/>
  <xs:element name="AgreementDomainDomain" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_AgreementDomainDomain"/>
  <xs:element name="EquityDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_EquityDetailsTable"/>
  <xs:element name="IssuedAndOutstandingPercentage" type="dtr1:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_IssuedAndOutstandingPercentage"/>
  <xs:element name="StockSplit" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_StockSplit"/>
  <xs:element name="PercentageOfHoldings" type="dtr1:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PercentageOfHoldings"/>
  <xs:element name="TransferOfShare" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_TransferOfShare"/>
  <xs:element name="VotingRights" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_VotingRights"/>
  <xs:element name="VestingTerm" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_VestingTerm"/>
  <xs:element name="TransactionswithRelatedPartiesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_TransactionswithRelatedPartiesDetailsTable"/>
  <xs:element name="PeriodOfTerminationNotice" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PeriodOfTerminationNotice"/>
  <xs:element name="TermOfAgreement" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_TermOfAgreement"/>
  <xs:element name="PartnershipAgreementTerm" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PartnershipAgreementTerm"/>
  <xs:element name="RenewalTerm" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_RenewalTerm"/>
  <xs:element name="AnnualDiscountRate" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_AnnualDiscountRate"/>
  <xs:element name="TotalPurchasePrice" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_TotalPurchasePrice"/>
  <xs:element name="FinancialIncomeGenerated" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialIncomeGenerated"/>
  <xs:element name="PlanNamesDomainDomain" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PlanNamesDomainDomain"/>
  <xs:element name="PersonnelExpensesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_PersonnelExpensesDetailsTable"/>
  <xs:element name="TierDomainDomain" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_TierDomainDomain"/>
  <xs:element name="HedgeAccountingDomainDomain" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_HedgeAccountingDomainDomain"/>
  <xs:element name="CapitalManagementDomainDomain" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_CapitalManagementDomainDomain"/>
  <xs:element name="RiskManagementDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_RiskManagementDetailsTable"/>
  <xs:element name="ReceivableFromAcquirers" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_ReceivableFromAcquirers"/>
  <xs:element name="ProvisionForCreditLosses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_ProvisionForCreditLosses"/>
  <xs:element name="ChangeInInterestRates" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ChangeInInterestRates"/>
  <xs:element name="IncreaseInterestRates" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_IncreaseInterestRates"/>
  <xs:element name="DecreaseInterestRates" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DecreaseInterestRates"/>
  <xs:element name="FixedRateInstruments" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FixedRateInstruments"/>
  <xs:element name="GainsLossesOnHedgingInstruments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_GainsLossesOnHedgingInstruments"/>
  <xs:element name="ExecutedACapitalIncrease" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="pics_ExecutedACapitalIncrease"/>
  <xs:element name="CapitalRatio" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_CapitalRatio"/>
  <xs:element name="IncreaseDecreaseCapitalRatio" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_IncreaseDecreaseCapitalRatio"/>
  <xs:element name="CapitalRatioConservationBuffer" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_CapitalRatioConservationBuffer"/>
  <xs:element name="SubordinatedDebts" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_SubordinatedDebts"/>
  <xs:element name="NumberOfReportableSegment" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_NumberOfReportableSegment"/>
  <xs:element name="UnallocatedRevenue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_UnallocatedRevenue"/>
  <xs:element name="SaleOfStockDomainDomain" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_SaleOfStockDomainDomain"/>
  <xs:element name="SubsequentEventsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="pics_SubsequentEventsDetailsTable"/>
  <xs:element name="AggregateNetProceeds" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="pics_AggregateNetProceeds"/>
  <xs:element name="ConvertibleShares" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="pics_ConvertibleShares"/>
  <xs:element name="AgreementAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="pics_AgreementAxis"/>
  <xs:element name="CapitalManagementAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="pics_CapitalManagementAxis"/>
  <xs:element name="HedgeAccountingAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="pics_HedgeAccountingAxis"/>
  <xs:element name="IncomeTaxAuthoritiesAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="pics_IncomeTaxAuthoritiesAxis"/>
  <xs:element name="PlanNamesAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="pics_PlanNamesAxis"/>
  <xs:element name="SaleOfStockAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="pics_SaleOfStockAxis"/>
  <xs:element name="TierAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="pics_TierAxis"/>
  <xs:element name="UnrecognizedDeferredTaxAssetsAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="pics_UnrecognizedDeferredTaxAssetsAxis"/>
  <xs:element name="APILicensingAgreementMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_APILicensingAgreementMember"/>
  <xs:element name="AdditionsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_AdditionsMember"/>
  <xs:element name="AdvancesOnEnergyReceivablesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_AdvancesOnEnergyReceivablesMember"/>
  <xs:element name="AgreementsWithJBSMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_AgreementsWithJBSMember"/>
  <xs:element name="AlbinoAndradeDePinhoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_AlbinoAndradeDePinhoMember"/>
  <xs:element name="AmbarEnergiaMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_AmbarEnergiaMember"/>
  <xs:element name="AudiencesAndEcosystemIntegrationMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_AudiencesAndEcosystemIntegrationMember"/>
  <xs:element name="BXNegciosInteligentesLtdaMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_BXNegciosInteligentesLtdaMember"/>
  <xs:element name="BalanceOfCommercialEstablishmentsCorporatesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_BalanceOfCommercialEstablishmentsCorporatesMember"/>
  <xs:element name="BancoOriginalMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_BancoOriginalMember"/>
  <xs:element name="BancoOriginalSAMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_BancoOriginalSAMember"/>
  <xs:element name="BankSlipsToBeProcessedMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_BankSlipsToBeProcessedMember"/>
  <xs:element name="BankingCorrespondentServicesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_BankingCorrespondentServicesMember"/>
  <xs:element name="BenefitsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_BenefitsMember"/>
  <xs:element name="CDBsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_CDBsMember"/>
  <xs:element name="CDIindexedSubordinatedFinancialLetterMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_CDIindexedSubordinatedFinancialLetterMember"/>
  <xs:element name="CarryingAmountsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_CarryingAmountsMember"/>
  <xs:element name="CashAndCashEquivalents1Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_CashAndCashEquivalents1Member"/>
  <xs:element name="CashSettledAwardsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_CashSettledAwardsMember"/>
  <xs:element name="CivilClaimsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_CivilClaimsMember"/>
  <xs:element name="ClassACommonSharesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ClassACommonSharesMember"/>
  <xs:element name="ClassBCommonSharesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ClassBCommonSharesMember"/>
  <xs:element name="CommonEquityTierIMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_CommonEquityTierIMember"/>
  <xs:element name="ConsumerBankingMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ConsumerBankingMember"/>
  <xs:element name="ConsumerLoans1Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ConsumerLoans1Member"/>
  <xs:element name="ConsumerLoansStage1Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ConsumerLoansStage1Member"/>
  <xs:element name="ConsumerLoansStage2Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ConsumerLoansStage2Member"/>
  <xs:element name="ConsumerLoansStage3Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ConsumerLoansStage3Member"/>
  <xs:element name="ConversionSharesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ConversionSharesMember"/>
  <xs:element name="CorrespondentBankingAgreementMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_CorrespondentBankingAgreementMember"/>
  <xs:element name="CostSharingAgreementMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_CostSharingAgreementMember"/>
  <xs:element name="CreditCardPartnershipAgreementMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_CreditCardPartnershipAgreementMember"/>
  <xs:element name="CreditCardsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_CreditCardsMember"/>
  <xs:element name="CreditRecoveryServicesAgreementMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_CreditRecoveryServicesAgreementMember"/>
  <xs:element name="CreditRecoveryServicesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_CreditRecoveryServicesMember"/>
  <xs:element name="CrednovoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_CrednovoMember"/>
  <xs:element name="CrednovoSociedadeDeEmprstimoEntrePessoasSAMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_CrednovoSociedadeDeEmprstimoEntrePessoasSAMember"/>
  <xs:element name="DI1AndDDIFutureContractMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DI1AndDDIFutureContractMember"/>
  <xs:element name="DI1EDDIFutureContractMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DI1EDDIFutureContractMember"/>
  <xs:element name="DI1FutureContractMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DI1FutureContractMember"/>
  <xs:element name="DepositsCorporateCustomersMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DepositsCorporateCustomersMember"/>
  <xs:element name="DerivativeFinancialInstrumentsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DerivativeFinancialInstrumentsMember"/>
  <xs:element name="DerivativesFinancialInstrumentsSwapMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DerivativesFinancialInstrumentsSwapMember"/>
  <xs:element name="EquitySettledAwardsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_EquitySettledAwardsMember"/>
  <xs:element name="FGTSLoanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FGTSLoanMember"/>
  <xs:element name="FacilitiesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FacilitiesMember"/>
  <xs:element name="FairValueInputLevel1Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FairValueInputLevel1Member"/>
  <xs:element name="FairValueInputLevel2Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FairValueInputLevel2Member"/>
  <xs:element name="FairValueInputLevel3Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FairValueInputLevel3Member"/>
  <xs:element name="FairValueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FairValueMember"/>
  <xs:element name="FairValueReserveMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FairValueReserveMember"/>
  <xs:element name="FinancialAssetsMeasuredAtAmortizedCostMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialAssetsMeasuredAtAmortizedCostMember"/>
  <xs:element name="FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember"/>
  <xs:element name="FinancialAssetsMeasuredAtFairValueThroughProfitOrLossMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialAssetsMeasuredAtFairValueThroughProfitOrLossMember"/>
  <xs:element name="FinancialAssetsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialAssetsMember"/>
  <xs:element name="FinancialEntitiesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialEntitiesMember"/>
  <xs:element name="FinancialInstrumentsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialInstrumentsMember"/>
  <xs:element name="FinancialInvestmentsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialInvestmentsMember"/>
  <xs:element name="FinancialInvestmentsOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialInvestmentsOneMember"/>
  <xs:element name="FinancialInvestmentsTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialInvestmentsTwoMember"/>
  <xs:element name="FivePercentGreaterThanOrEqualToPDLessThanOrEqualToTwentyPercentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FivePercentGreaterThanOrEqualToPDLessThanOrEqualToTwentyPercentMember"/>
  <xs:element name="FivePercentGreaterThanOrEqualToPDLessThanOrEqualToTwentyPercentStageOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FivePercentGreaterThanOrEqualToPDLessThanOrEqualToTwentyPercentStageOneMember"/>
  <xs:element name="FivePercentGreaterThanOrEqualToPDLessThanOrEqualToTwentyPercentStageTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FivePercentGreaterThanOrEqualToPDLessThanOrEqualToTwentyPercentStageTwoMember"/>
  <xs:element name="FivePercentLessThanOrEqualToPDLessThanOrEqualToTwentyPercentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FivePercentLessThanOrEqualToPDLessThanOrEqualToTwentyPercentMember"/>
  <xs:element name="FivePercentLessThanOrEqualToPDLessThanOrEqualToTwentyPercentStageOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FivePercentLessThanOrEqualToPDLessThanOrEqualToTwentyPercentStageOneMember"/>
  <xs:element name="FivePercentLessThanOrEqualToPDLessThanOrEqualToTwentyPercentStageTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FivePercentLessThanOrEqualToPDLessThanOrEqualToTwentyPercentStageTwoMember"/>
  <xs:element name="From181To365DaysMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_From181To365DaysMember"/>
  <xs:element name="From31To60DaysMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_From31To60DaysMember"/>
  <xs:element name="From61To90DaysMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_From61To90DaysMember"/>
  <xs:element name="From91To180DaysMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_From91To180DaysMember"/>
  <xs:element name="FromNinetyOneToOneHundredAndEightyDaysMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FromNinetyOneToOneHundredAndEightyDaysMember"/>
  <xs:element name="FromOneHundredAndEightyOneToThreeHundredAndSixtyFiveDaysMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FromOneHundredAndEightyOneToThreeHundredAndSixtyFiveDaysMember"/>
  <xs:element name="FromOneToThreeYearsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FromOneToThreeYearsMember"/>
  <xs:element name="FromSixtyOneToNinetyDaysMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FromSixtyOneToNinetyDaysMember"/>
  <xs:element name="FromSixtyOneToNinetyDaysOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FromSixtyOneToNinetyDaysOneMember"/>
  <xs:element name="FromSixtyOneToNinetyDaysTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FromSixtyOneToNinetyDaysTwoMember"/>
  <xs:element name="FromThirtyOneToSixtyDaysMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FromThirtyOneToSixtyDaysMember"/>
  <xs:element name="FromThirtyOneToSixtyOneDaysOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FromThirtyOneToSixtyOneDaysOneMember"/>
  <xs:element name="FromThreeToFiveYearsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FromThreeToFiveYearsMember"/>
  <xs:element name="FundoDeInvestimentosEmDireitosCreditriosNoPadronizadosPicPayIMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FundoDeInvestimentosEmDireitosCreditriosNoPadronizadosPicPayIMember"/>
  <xs:element name="FundoDeInvestimentosEmDireitosCreditriosPicPayFGTSMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FundoDeInvestimentosEmDireitosCreditriosPicPayFGTSMember"/>
  <xs:element name="FuturesContractCDIRateMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FuturesContractCDIRateMember"/>
  <xs:element name="FuturesContractCDIRateOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FuturesContractCDIRateOneMember"/>
  <xs:element name="GoodwillsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_GoodwillsMember"/>
  <xs:element name="GovernmentBondsLFTMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_GovernmentBondsLFTMember"/>
  <xs:element name="GovernmentBondsLTNAndNTNFMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_GovernmentBondsLTNAndNTNFMember"/>
  <xs:element name="GovernmentBondsLTNMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_GovernmentBondsLTNMember"/>
  <xs:element name="GovernmentBondsLTNOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_GovernmentBondsLTNOneMember"/>
  <xs:element name="GovernmentBondsNTNBMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_GovernmentBondsNTNBMember"/>
  <xs:element name="GovernmentBondsNTNFMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_GovernmentBondsNTNFMember"/>
  <xs:element name="GovernmentBondsNTNMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_GovernmentBondsNTNMember"/>
  <xs:element name="GrossAmountMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_GrossAmountMember"/>
  <xs:element name="GuiabolsoCorrespondenteBancrioEServiosLtdaMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_GuiabolsoCorrespondenteBancrioEServiosLtdaMember"/>
  <xs:element name="GuiabolsoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_GuiabolsoMember"/>
  <xs:element name="GuiabolsoPagamentosLtdaMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_GuiabolsoPagamentosLtdaMember"/>
  <xs:element name="ITServicesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ITServicesMember"/>
  <xs:element name="ImprovementsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ImprovementsMember"/>
  <xs:element name="InstitutionalMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_InstitutionalMember"/>
  <xs:element name="InternallyExternallyDevelopedSoftwareMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_InternallyExternallyDevelopedSoftwareMember"/>
  <xs:element name="InvestmentFundQuotasMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_InvestmentFundQuotasMember"/>
  <xs:element name="JABCapitalSPFundBelamiCapitalSPFundAndAGRCapitalSPFundMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_JABCapitalSPFundBelamiCapitalSPFundAndAGRCapitalSPFundMember"/>
  <xs:element name="JFInternationalBVMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_JFInternationalBVMember"/>
  <xs:element name="JFParticipaesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_JFParticipaesMember"/>
  <xs:element name="KOVRCapitalizaoSAMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_KOVRCapitalizaoSAMember"/>
  <xs:element name="KOVRParticipaesSAMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_KOVRParticipaesSAMember"/>
  <xs:element name="KOVRSeguradoraSAMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_KOVRSeguradoraSAMember"/>
  <xs:element name="KeyPersonnelMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_KeyPersonnelMember"/>
  <xs:element name="LFSubMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_LFSubMember"/>
  <xs:element name="LTNBondsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_LTNBondsMember"/>
  <xs:element name="LaborClaimsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_LaborClaimsMember"/>
  <xs:element name="LiabilitiesPreMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_LiabilitiesPreMember"/>
  <xs:element name="LoansToCustomersMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_LoansToCustomersMember"/>
  <xs:element name="LongTermIncentivePlanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_LongTermIncentivePlanMember"/>
  <xs:element name="MajorOrdinaryShareTransactionMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_MajorOrdinaryShareTransactionMember"/>
  <xs:element name="MauIIIMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_MauIIIMember"/>
  <xs:element name="MrAlbinoAndradeDePinhoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_MrAlbinoAndradeDePinhoMember"/>
  <xs:element name="NTNFMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_NTNFMember"/>
  <xs:element name="NonControllingInterestMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_NonControllingInterestMember"/>
  <xs:element name="NonFinancialEntitiesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_NonFinancialEntitiesMember"/>
  <xs:element name="NossoTimeIgamingSAMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_NossoTimeIgamingSAMember"/>
  <xs:element name="NotOverdueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_NotOverdueMember"/>
  <xs:element name="NotionalValueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_NotionalValueMember"/>
  <xs:element name="OperationalAgreementMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_OperationalAgreementMember"/>
  <xs:element name="OperationalRiskRWAOPADMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_OperationalRiskRWAOPADMember"/>
  <xs:element name="OtherFederalTaxMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_OtherFederalTaxMember"/>
  <xs:element name="OtherIntangibleAssetMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_OtherIntangibleAssetMember"/>
  <xs:element name="OtherInvestmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_OtherInvestmentMember"/>
  <xs:element name="OtherObligationsUnderFinancialInstrumentsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_OtherObligationsUnderFinancialInstrumentsMember"/>
  <xs:element name="OtherReceivablesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_OtherReceivablesMember"/>
  <xs:element name="OthersMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_OthersMember"/>
  <xs:element name="Over365DaysMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_Over365DaysMember"/>
  <xs:element name="OverFiveYearsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_OverFiveYearsMember"/>
  <xs:element name="OverThreeHundredAndSixtyFiveDaysMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_OverThreeHundredAndSixtyFiveDaysMember"/>
  <xs:element name="OverThreeHundredAndSixtyFiveDaysOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_OverThreeHundredAndSixtyFiveDaysOneMember"/>
  <xs:element name="OverdueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_OverdueMember"/>
  <xs:element name="PDGreaterThanTwentyPercentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PDGreaterThanTwentyPercentMember"/>
  <xs:element name="PDGreaterThanTwentyPercentStageOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PDGreaterThanTwentyPercentStageOneMember"/>
  <xs:element name="PDGreaterThanTwentyPercentStageThreeMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PDGreaterThanTwentyPercentStageThreeMember"/>
  <xs:element name="PDGreaterThanTwentyPercentStageTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PDGreaterThanTwentyPercentStageTwoMember"/>
  <xs:element name="PDLessThanFivePercentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PDLessThanFivePercentMember"/>
  <xs:element name="PDLessThanFivePercentStageOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PDLessThanFivePercentStageOneMember"/>
  <xs:element name="PDLessThanFivePercentStageTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PDLessThanFivePercentStageTwoMember"/>
  <xs:element name="PaymentAccountsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PaymentAccountsMember"/>
  <xs:element name="PaymentServiceRiskRWASPMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PaymentServiceRiskRWASPMember"/>
  <xs:element name="PayrollLoanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PayrollLoanMember"/>
  <xs:element name="PayrollLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PayrollLoansMember"/>
  <xs:element name="PicPayBankBancoMltiploSAMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PicPayBankBancoMltiploSAMember"/>
  <xs:element name="PicPayBankMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PicPayBankMember"/>
  <xs:element name="PicPayHoldingLtdaMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PicPayHoldingLtdaMember"/>
  <xs:element name="PicPayInstituioDePagamentoSAMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PicPayInstituioDePagamentoSAMember"/>
  <xs:element name="PicPayInvestDistribuidoraDeTtulosEValoresMobiliriosLtdaMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PicPayInvestDistribuidoraDeTtulosEValoresMobiliriosLtdaMember"/>
  <xs:element name="PicPayParticipaesEInvestimentosLtdaMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PicPayParticipaesEInvestimentosLtdaMember"/>
  <xs:element name="PicSHoldingLtdaMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PicSHoldingLtdaMember"/>
  <xs:element name="PicSHoldingMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PicSHoldingMember"/>
  <xs:element name="PicSLtdMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PicSLtdMember"/>
  <xs:element name="PicSNVMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PicSNVMember"/>
  <xs:element name="PreapprovedCreditCardLimitsoffbalanceMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PreapprovedCreditCardLimitsoffbalanceMember"/>
  <xs:element name="PrepaymentOfReceivablesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PrepaymentOfReceivablesMember"/>
  <xs:element name="ProvisionsForContingenciesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ProvisionsForContingenciesMember"/>
  <xs:element name="PublicOfferingPriceMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PublicOfferingPriceMember"/>
  <xs:element name="PurchasedSoftwareMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PurchasedSoftwareMember"/>
  <xs:element name="QuotasMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_QuotasMember"/>
  <xs:element name="RealizationMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_RealizationMember"/>
  <xs:element name="ReceivablesFallingDueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ReceivablesFallingDueMember"/>
  <xs:element name="ReceivablesOverdueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ReceivablesOverdueMember"/>
  <xs:element name="ReconciliationFromSegmentAdjustedGrossProfitToProfitBeforeIncomeTaxesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ReconciliationFromSegmentAdjustedGrossProfitToProfitBeforeIncomeTaxesMember"/>
  <xs:element name="RegulatoryRequirementMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_RegulatoryRequirementMember"/>
  <xs:element name="RentCondominiumFeeAndPropertyServicesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_RentCondominiumFeeAndPropertyServicesMember"/>
  <xs:element name="RevenueAndFinancialIncomeReconciliationMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_RevenueAndFinancialIncomeReconciliationMember"/>
  <xs:element name="ReverseRepurchasesAgreementsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ReverseRepurchasesAgreementsMember"/>
  <xs:element name="ReverseRepurchasesAgreementsNationalTreasuryNoteMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ReverseRepurchasesAgreementsNationalTreasuryNoteMember"/>
  <xs:element name="RightOfUseLeasesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_RightOfUseLeasesMember"/>
  <xs:element name="RightsAgreementMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_RightsAgreementMember"/>
  <xs:element name="SalariesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_SalariesMember"/>
  <xs:element name="SaleAndPurchaseAgreementMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_SaleAndPurchaseAgreementMember"/>
  <xs:element name="SeniorFinancialLetterMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_SeniorFinancialLetterMember"/>
  <xs:element name="SeniorQuotasMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_SeniorQuotasMember"/>
  <xs:element name="ShareCapitalMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ShareCapitalMember"/>
  <xs:element name="SmallAndMediumSizedBusinessesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_SmallAndMediumSizedBusinessesMember"/>
  <xs:element name="SocialSecurityChargesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_SocialSecurityChargesMember"/>
  <xs:element name="SocialSecurityContributionMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_SocialSecurityContributionMember"/>
  <xs:element name="SoftwareAcquiredThroughBusinessCombinationMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_SoftwareAcquiredThroughBusinessCombinationMember"/>
  <xs:element name="SoftwareExpensesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_SoftwareExpensesMember"/>
  <xs:element name="SoftwareLicensesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_SoftwareLicensesMember"/>
  <xs:element name="StageOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_StageOneMember"/>
  <xs:element name="StageThreeMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_StageThreeMember"/>
  <xs:element name="StageTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_StageTwoMember"/>
  <xs:element name="StichtingACCFamilyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_StichtingACCFamilyMember"/>
  <xs:element name="StichtingAGRMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_StichtingAGRMember"/>
  <xs:element name="StichtingECSMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_StichtingECSMember"/>
  <xs:element name="StichtingJABMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_StichtingJABMember"/>
  <xs:element name="SubordinatedQuotasMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_SubordinatedQuotasMember"/>
  <xs:element name="SwapsContractsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_SwapsContractsMember"/>
  <xs:element name="TaxClaimsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_TaxClaimsMember"/>
  <xs:element name="TaxEffectMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_TaxEffectMember"/>
  <xs:element name="TaxesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_TaxesMember"/>
  <xs:element name="ThirdPartyServicesAndFinancialSystemServicesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ThirdPartyServicesAndFinancialSystemServicesMember"/>
  <xs:element name="TierIIMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_TierIIMember"/>
  <xs:element name="TierIMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_TierIMember"/>
  <xs:element name="Tire1Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_Tire1Member"/>
  <xs:element name="TitlesNTNFMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_TitlesNTNFMember"/>
  <xs:element name="TradeReceivables1Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_TradeReceivables1Member"/>
  <xs:element name="TrademarksAndPatentsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_TrademarksAndPatentsMember"/>
  <xs:element name="UpTo30DaysMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_UpTo30DaysMember"/>
  <xs:element name="UpToThirtyDaysMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_UpToThirtyDaysMember"/>
  <xs:element name="UpToThirtyDaysOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_UpToThirtyDaysOneMember"/>
  <xs:element name="UserBalanceCDBsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_UserBalanceCDBsMember"/>
  <xs:element name="UserBalancePaymentAccountsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_UserBalancePaymentAccountsMember"/>
  <xs:element name="ZemCollectionLtdaMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ZemCollectionLtdaMember"/>
  <xs:element name="CapitalRatiosLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_CapitalRatiosLineItems"/>
  <xs:element name="ChangesInCreditLossAllowanceLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ChangesInCreditLossAllowanceLineItems"/>
  <xs:element name="CreditLossAllowanceExpensesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_CreditLossAllowanceExpensesAbstract"/>
  <xs:element name="DeferredTaxPositionLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DeferredTaxPositionLineItems"/>
  <xs:element name="FairValueOfFinancialInstrumentsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FairValueOfFinancialInstrumentsLineItems"/>
  <xs:element name="FinancialIncomeAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_FinancialIncomeAbstract"/>
  <xs:element name="InterestAndOtherFinancialExpensesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_InterestAndOtherFinancialExpensesAbstract"/>
  <xs:element name="LaborObligationsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_LaborObligationsAbstract"/>
  <xs:element name="LeasePayableByMaturityAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_LeasePayableByMaturityAbstract"/>
  <xs:element name="MarketingExpensesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_MarketingExpensesAbstract"/>
  <xs:element name="ObligationToFIDCFGTSQuotaHoldersAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ObligationToFIDCFGTSQuotaHoldersAbstract"/>
  <xs:element name="OperatingContextAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_OperatingContextAbstract"/>
  <xs:element name="OperatingContextLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_OperatingContextLineItems"/>
  <xs:element name="PersonnelExpensesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PersonnelExpensesAbstract"/>
  <xs:element name="PersonnelExpensesLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PersonnelExpensesLineItems"/>
  <xs:element name="PresentationAndPreparationOfTheConsolidatedFinancialStatementsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PresentationAndPreparationOfTheConsolidatedFinancialStatementsAbstract"/>
  <xs:element name="PresentationAndPreparationOfTheConsolidatedFinancialStatementsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_PresentationAndPreparationOfTheConsolidatedFinancialStatementsLineItems"/>
  <xs:element name="RiskManagementAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_RiskManagementAbstract"/>
  <xs:element name="RiskManagementLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_RiskManagementLineItems"/>
  <xs:element name="ScheduleOfConsumerLoanAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfConsumerLoanAbstract"/>
  <xs:element name="ScheduleOfCreditLossAllowanceExpensesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfCreditLossAllowanceExpensesAbstract"/>
  <xs:element name="ScheduleOfDemonstratesTheSensitivityOfFairValueOfGroupsFinancialInstrumentsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfDemonstratesTheSensitivityOfFairValueOfGroupsFinancialInstrumentsLineItems"/>
  <xs:element name="ScheduleOfLaborObligationsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfLaborObligationsAbstract"/>
  <xs:element name="ScheduleOfLiabilitiesLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfLiabilitiesLineItems"/>
  <xs:element name="ScheduleOfMarketingExpensesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfMarketingExpensesAbstract"/>
  <xs:element name="ScheduleOfObligationToFIDCFGTSQuotaHoldersLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfObligationToFIDCFGTSQuotaHoldersLineItems"/>
  <xs:element name="ScheduleOfPersonnelExpensesLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfPersonnelExpensesLineItems"/>
  <xs:element name="ScheduleOfTaxesPayableAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfTaxesPayableAbstract"/>
  <xs:element name="ScheduleOfThirdPartyFundsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfThirdPartyFundsLineItems"/>
  <xs:element name="ScheduleOfTransactionExpensesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfTransactionExpensesAbstract"/>
  <xs:element name="ScheduleOfUnrecognizedDeferredTaxAssetsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ScheduleOfUnrecognizedDeferredTaxAssetsLineItems"/>
  <xs:element name="ThirdPartyFundsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ThirdPartyFundsAbstract"/>
  <xs:element name="ThirdPartyFundsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_ThirdPartyFundsLineItems"/>
  <xs:element name="TransactionExpensesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_TransactionExpensesAbstract"/>
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  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pics_DocumentAndEntityInformationAbstract"/>
</xs:schema>
