In Brazil, younger investors (under 24) are driving cryptocurrency adoption, using stablecoins and tokenized bonds as a low-volatility entry point. Digital fixed-income products are growing rapidly, with $325 million distributed in 2025 on the platform. 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 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.
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