TLDR
- Participation by Brazilian investors under 24 increased 56% in 2025.
- Mercado Bitcoin distributed $325 million in digital fixed-income products.
- Middle-income Brazilians favor stablecoins while lower-income hold more bitcoin.
- Crypto transaction volume in Brazil rose 43% year-over-year in 2025.
Younger investors in Brazil are increasingly shaping the country’s cryptocurrency market. They favor stablecoins and tokenized bonds over highly volatile tokens. Data from local exchange Mercado Bitcoin shows that the fastest-growing investor group in 2025 is under 24 years old. These users are turning to digital fixed-income products as a low-risk entry point into crypto, reflecting a trend among young Brazilians toward cautious investment strategies.
Youth Adoption and Market Growth
Participation among investors under 24 rose 56% compared to the previous year, according to Mercado Bitcoin’s report Raio-X do Investidor em Ativos Digitais. Many of these young investors are using low-volatility products, such as stablecoins and digital fixed-income assets, to limit exposure to market swings while still participating in the cryptocurrency ecosystem.
Mercado Bitcoin’s digital fixed-income offerings, known as Renda Fixa Digital (RFD), allow investors to purchase tokenized portions of income-generating assets. In 2025 alone, RFD distributed 1.8 billion reals (approximately $325 million) to users. On average, these products delivered returns equivalent to 132% of Brazil’s “risk-free” benchmark, the Certificado de Depósito Interbancário (CDI).
🚨 BRAZIL’S GEN Z DRIVE CRYPTO BOOM
Gen Z is driving crypto adoption in Brazil, with stablecoins and yield tokens leading. A total of $325M was distributed via digital fixed-income crypto in 2025, pic.twitter.com/qKuZ612HiY
— Coin Bureau (@coinbureau) December 20, 2025
Other blockchain-based platforms in Brazil, including Liqi and AmFi, provide similar real-world asset-based fixed-income products. This expansion gives cautious investors more options and supports the adoption of tokenized financial products across different income brackets.
Shifts in Crypto Trading Patterns
Overall cryptocurrency transaction volume on Mercado Bitcoin increased 43% year-over-year. The exchange noted that Mondays are consistently the busiest days for both new investors and trading activity. This trend indicates that cryptocurrency is being integrated into regular financial routines rather than being treated solely as a speculative instrument.
Market participation now reflects more consistent investment behavior, with users balancing potential growth opportunities with low-risk strategies. Fabrício Tota, VP of Crypto Business at Mercado Bitcoin, said, “Important events, like the crypto regulation by the Central Bank and the rise of stablecoins, have further boosted Brazilian interest in digital assets.”
Income-Based Investment Strategies
Investor strategies vary according to income brackets. Middle-income users allocated up to 12% of their portfolios to stablecoins, while keeping most funds in tokenized bonds. This allocation reflects a preference for security and predictable returns while still participating in digital finance.
Lower-income investors, in contrast, placed over 90% of their funds in traditional cryptocurrencies such as bitcoin. These investors appear more willing to accept volatility in exchange for higher potential returns, according to the report.
Brazil’s central bank recently introduced new rules requiring crypto service providers to obtain licenses and maintain specific capital requirements. These measures aim to protect investors while supporting continued adoption of digital assets.
The rise of Gen Z investors in Brazil demonstrates a growing focus on low-volatility crypto products. Stablecoins and tokenized income products are becoming mainstream entry points for new investors, signaling a shift in how younger Brazilians approach wealth preservation, financial planning, and engagement with digital finance.
Get 3 Free Stock Ebooks
Discover top-performing stocks in AI, Crypto, and Technology with expert analysis.
- Top 10 AI Stocks - Leading AI companies
- Top 10 Crypto Stocks - Blockchain leaders
- Top 10 Tech Stocks - Tech giants
