Brazil’s Gen Z Drives Crypto Boom Through Stable Income

• Under-24 investors led Brazil’s crypto adoption in 2025, favoring stablecoins and tokenized income over speculative trading.

• Tokenized fixed-income products doubled in activity, paying out 1.8B reais as young users sought predictable returns.

• Regulatory clarity and stablecoin growth boosted confidence, shifting wallets from trading tools to savings-style accounts.

Brazil’s youngest investors are reshaping crypto use in 2025 through stable income products, not speculative trades. In Brazil, under-24 users led adoption this year, according to Mercado Bitcoin data. This is due to regulatory clarity, stablecoins and tokenized bonds.

Gen Z Adoption Favors Stability Over Speculation

In Brazil, cryptocurrency use is changing shape, notably among investors under 24. According to Mercado Bitcoin’s “Raio-X do Investidor em Ativos Digitais,” this cohort grew fastest in 2025. However, trading behavior shows restraint, with many users favoring stablecoins and tokenized fixed-income assets.

That approach contrasts with earlier cycles dominated by volatile tokens. Instead, younger users deploy crypto to preserve value and earn predictable returns. Consequently, wallets function less like trading accounts and more like savings tools.

Tokenized Income Expands Across Local Platforms

This shift shows clearly in fixed-income crypto volumes. In 2025, Mercado Bitcoin’s Renda Fixa Digital products more than doubled activity. The exchange distributed 1.8 billion reais, roughly $325 million, to users during the year.

On average, returns reached 132% of Brazil’s CDI benchmark. Therefore, tokenized income gained traction during a high-rate environment. Meanwhile, similar products emerged on local RWA platforms, including Liqi and AmFi, reinforcing the domestic fixed-income ecosystem.

Income Levels Shape Crypto Allocation Patterns

Investor behavior also varied by income. Middle-income users allocated up to 12% to stablecoins, while keeping 86% in lower-volatility assets, mainly tokenized bonds. However, lower-income investors placed over 90% into traditional cryptocurrencies, seeking higher returns despite added risk.

Activity trends support this structure. Overall transaction volume on Mercado Bitcoin rose 43% year over year. Notably, Mondays became the busiest day for onboarding and trading, suggesting scheduled financial use.

Regulation also played a role. Brazil’s central bank introduced new crypto licensing and capital rules last month. According to Fabrício Tota, Mercado Bitcoin’s vice president of crypto business, regulatory clarity and stablecoin growth increased confidence among younger investors.