In Brazil, the rise of cryptocurrency isn’t primarily driven by traders speculating on erratic tokens. Instead, it is being influenced by a younger, more prudent demographic that frequently utilizes stablecoins and tokenized bonds to safeguard their finances.
Recent data from the local cryptocurrency exchange Mercado Bitcoin, presented in a report titled “Raio-X do Investidor em Ativos Digitais,” indicates that the fastest-growing segment of investors this year is those under 24.
This age group experienced a 56% increase in participation compared to the previous year, with many choosing low-volatility assets, like stablecoins and digital fixed-income products, as their entry point, according to the report.
These offerings, known on the platform as Renda Fixa Digital (RFD), meaning “digital fixed income,” enable investors to purchase tokenized portions of genuine income-producing assets. This naming aligns with Mercado Bitcoin’s “invisible blockchain” strategy.
In 2025 alone, RFD volume more than doubled, with Mercado Bitcoin distributing 1.8 billion reals (around $325 million) to its users. On average, these products yielded 132% of Brazil’s “risk-free” benchmark, the Certificado de Depósito Interbancário (CDI).
Other platforms in Brazil also provide similar blockchain-based solutions. Real-world asset (RWA) platforms offering fixed-income options in the country include Liqi and AmFi.
The exchange noted a 43% year-on-year growth in overall cryptocurrency transaction volume, with Mondays becoming the most active days for both new investors and trading transactions.
This trend indicates a transition in the use of cryptocurrency: moving from a speculative tool to a more essential component of a weekly financial strategy.
Investing based on income
Investment strategies varied significantly according to income levels.
Middle-income investors were more likely to allocate funds to stablecoins, making up to 12% of their portfolios, while maintaining 86% in less volatile assets, likely tokenized bonds.
“Significant events, such as the cryptocurrency regulations set by the Central Bank and the surge in stablecoin adoption, have further amplified Brazilian interest in digital assets,” commented Fabrício Tota, VP of Crypto Business at Mercado Bitcoin, in the report.
Last month, Brazil’s central bank implemented new cryptocurrency regulations, mandating crypto service providers to obtain licenses and set specific capital requirements.
Lower-income investors allocated over 90% of their funds to traditional cryptocurrencies like bitcoin, likely in search of greater returns while accepting the associated risks, as noted in the report.
