Young investors under 24 in Brazil are driving cryptocurrency adoption, with a 56% increase in participation this year. They prefer low-volatility options like stablecoins and digital fixed-income products over high-risk trades. Mercado Bitcoin reports that these trends reflect a shift toward cautious wealth protection in the market.
Brazil's cryptocurrency landscape is evolving, with Generation Z at the forefront. Data from Mercado Bitcoin's report, "Raio-X do Investidor em Ativos Digitais," highlights that the under-24 age group saw the sharpest growth in 2025, rising 56% from the prior year. These young investors are entering the space through stablecoins and tokenized bonds, avoiding the volatility of traditional tokens like bitcoin.
The platform's digital fixed-income offerings, known as Renda Fixa Digital (RFD), have seen explosive growth. These products provide tokenized access to real-world income-generating assets, aligning with Mercado Bitcoin's strategy of making blockchain invisible to users. In 2025, RFD volume doubled, distributing 1.8 billion reals—about $325 million—to investors. On average, these assets yielded 132% of Brazil's benchmark risk-free rate, the Certificado de Depósito Interbancário (CDI).
Investment preferences vary by income level. Middle-income users allocate up to 12% of their portfolios to stablecoins while keeping 86% in low-volatility assets like tokenized bonds. In contrast, lower-income investors put over 90% into traditional cryptocurrencies, embracing higher risk for potential returns.
Overall crypto transaction volume on the exchange increased 43% year-over-year, with Mondays standing out as the peak day for new investors and activity. This pattern indicates cryptocurrencies are becoming part of routine financial planning rather than just speculation.
Recent regulatory changes have amplified interest. Brazil's central bank implemented new rules last month, mandating licenses for crypto providers and setting capital requirements. "Important events, like the crypto regulation by the Central Bank and the rise of stablecoins, have further boosted Brazilian interest in digital assets," said Fabrício Tota, vice president of crypto business at Mercado Bitcoin.
Competitors such as Liqi and AmFi also offer similar blockchain-based fixed-income products, contributing to the broader real-world asset (RWA) trend in the country.