Young investors in Brazil are transforming the cryptocurrency market with stablecoins and fixed-income products

The landscape of digital asset investment in Brazil is experiencing an unexpected turn. It is not speculative traders who are setting the trend, but the country’s younger investors, under 24 years old, who are redefining how cryptocurrency adoption is understood. Their preference for low-volatility assets is transforming the Brazilian market and attracting institutional capital toward innovative tokenized fixed-income products.

According to the report “Raio-X do Investidor en Ativos Digitais” shared by Mercado Bitcoin with CoinDesk, this generation of young investors represented the fastest-growing group in 2025. Their participation increased by 56% compared to the previous year, solidifying a clear trend: caution outweighs extreme risk. These data reveal a fundamental shift in how Brazil approaches digital assets.

The boom of digital fixed-income products

The explosion of Digital Fixed Income (RFD) products demonstrates the magnitude of this change. In 2025, the volume of these assets more than doubled on the platform, distributing 1.8 billion reais, approximately 325 million dollars, among Brazilian users. These products allow investors to access tokenized portions of income-generating real assets, offering yields that exceeded the country’s risk-free benchmark rate, the Interbank Deposit Certificate (CDI), by 132%.

The Digital Fixed Income strategy is part of Mercado Bitcoin’s “invisible blockchain” approach, designed to integrate technology without users perceiving technical complexity. Other real-world asset (RWA) platforms have also entered this space, such as Liqi and AmFi, offering similar products that capitalize on the demand from cautious investors.

Growth is not limited to a single product. The total volume of cryptocurrency transactions on the platform grew 43% year-over-year, with Mondays being the most active day for both novice investors and experienced traders. This pattern suggests an evolution: from cryptocurrency as a speculative vehicle to its integration as part of a consolidated weekly financial routine.

Stablecoins: the preferred gateway

Stablecoins have emerged as the preferred option for those seeking to enter the digital ecosystem without taking on extreme risk. Young investors use these stablecoins along with tokenized bonds as an initial entry point, reducing exposure to volatility while exploring more sophisticated digital assets.

This phenomenon occurs in the context of significant regulatory changes. The Central Bank of Brazil recently introduced new rules on cryptocurrencies, requiring service providers to obtain licenses and meet specific capital requirements. These regulatory frameworks have further accelerated Brazilian interest in digital assets, providing legal certainty that young investors value.

Income gap shapes investment strategies

Investment decisions in Brazil are not uniform; they respond directly to different income levels. Middle-income investors tend to allocate approximately 12% of their portfolios to stablecoins, keeping 86% in lower-volatility assets, presumably tokenized bonds and fixed-income products. Their strategy reflects prudence: protecting wealth while seeking moderate returns.

In contrast, lower-income investors allocate more than 90% of their funds to traditional cryptocurrencies like bitcoin, pursuing higher yields and explicitly accepting the additional risk involved. This divergence illustrates how access to capital conditions risk tolerance and the composition of digital portfolios.

Fabrício Tota, Vice President of Crypto Business at Mercado Bitcoin, highlighted that “important events, such as cryptocurrency regulation by the Central Bank and the growth of stablecoins, have significantly boosted Brazilian interest in digital assets.” His words synthesize a reality: Brazil is not only adopting cryptocurrencies but doing so thoughtfully and structurally.

Implications for the future of the Brazilian market

The phenomenon unfolding in Brazil indicates a different adoption model from other regions. The country’s young investors are prioritizing financial sustainability over volatile speculation, consolidating a mature ecosystem where blockchain technology serves practical investment functions rather than promises of quick wealth. This mindset shift, supported by clear regulation and innovative products, positions Brazil as a key market in the global evolution of digital finance.