December 20, 2025
Brazil's Gen Z drives crypto boom as stablecoins, income tokens surge thumbnail
Business

Brazil’s Gen Z drives crypto boom as stablecoins, income tokens surge

Digital fixed-income products are experiencing rapid growth, with $325 million distributed on Mercado Bitcoin’s platform in 2025.”, — write: www.coindesk.com

Digital fixed-income products are experiencing rapid growth, with $325 million distributed on Mercado Bitcoin’s platform in 2025. Dec 20, 2025, 3:59 pm

In Brazil, cryptocurrency adoption isn’t being led by traders betting big on volatile tokens. It’s being shaped by younger, more cautious investors, often using stablecoins and tokenized bonds as a way to protect their wealth.

According to new data from local cryptocurrency exchange Mercado Bitcoin, shared with CoinDesk via a report titled “Raio-X do Investidor em Ativos Digitais,” the fastest-growing cohort of the investor base this year was under 24.

Participation among that age group increased by 56% from the previous year, with many opting for low-volatility assets, such as stablecoins and digital fixed-income products, as their entry point, the report said.

These products, offered on the platform as Renda Fixa Digital (RFD), which translates directly to “digital fixed income,” allow investors to buy tokenized slices of real-world income-generating assets. Their naming is part of Mercado Bitcoin’s “invisible blockchain” approach.

In 2025 alone, RFD volume more than doubled, with Mercado Bitcoin distributing 1.8 billion reals (roughly $325 million) to users. On average, those products delivered 132% of Brazil’s “risk-free” benchmark rate, the Certificado de Depósito Interbancário (CDI).

Other protocols in Brazil also offer similar blockchain-based products. Real-world asset (RWA) platforms offering fixed-income products in the country include Liqi and AmFi.

The exchange also reported a 43% year-over-year increase in overall crypto transaction volume, with Mondays emerging as the busiest day for both new investors and trading activity.

That pattern suggests a shift in how cryptocurrency is being used: from a speculative vehicle to a more integral part of a weekly financial routine.

Investing based on incomeInvestor strategy differed sharply by income bracket.

Middle-income users were more likely to allocate funds to stablecoins, up to 12% of their portfolios, while keeping 86% in less volatile assets, presumably tokenized bonds.

“Important events, like the crypto regulation by the Central Bank and the rise of stablecoins, have further boosted Brazilian interest in digital assets,” Fabrício Tota, VP of Crypto Business at Mercado Bitcoin, said in the report.

Brazil’s central bank introduced new cryptocurrency rules last month, requiring crypto service providers to obtain licenses and establishing specific capital requirements.

Lower-income investors placed over 90% of their funds in traditional cryptocurrencies like bitcoin, likely seeking higher returns and accepting the added risk, according to the report.

More For You

Protocol Research: GoPlus Security

GP Basic Image

What to know:

  • As of October 2025, GoPlus has generated $4.7M in total revenue across its product lines. The GoPlus App is the primary revenue driver, contributing $2.5M (approx. 53%), followed by the SafeToken Protocol at $1.7M.
  • GoPlus Intelligence’s Token Security API averaged 717 million monthly calls year-to-date in 2025, with a peak of nearly 1 billion calls in February 2025. Total blockchain-level requests, including transaction simulations, averaged an additional 350 million per month.
  • Since its January 2025 launch, the $GPS token has registered over $5B in total spot volume and $10B in derivatives volume in 2025. Monthly spot volume peaked in March 2025 at over $1.1B, while derivatives volume peaked the same month at over $4B.

View Full Report

More For You

Foundation behind restaking protocol EigenLayer plans bigger rewards for active users

EigenLayer CEO Sreeram Kannan (University of Michigan, modified by CoinDesk)An Incentives Committee would direct programmatic token emissions, focusing allocations on participants that secure AVSs and contribute to the EigenCloud ecosystem.

What to know:

  • The Eigen Foundation has unveiled a governance proposal aimed at ushering in new incentives for its EIGEN token, shifting the protocol’s reward strategy to prioritize productive network activity and fee generation.
  • Under the plan, a newly formed Incentives Committee would manage token emissions, prioritizing participants who secure Actively Validated Services and expand the EigenCloud ecosystem.
  • The proposal includes a fee model that channels revenue from AVS rewards and EigenCloud services back to EIGEN holders, potentially creating deflationary pressure as the ecosystem grows.

Read full story

Related posts

What if crypto’s US market structure effort just never gets there?

unian ua

“V gosti”: Your reliable partner to rent an apartment in Zaporozhye by the day

unian ua

cccv

Leave a Comment

This website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish. Accept Read More