Young Brazilians are changing the crypto game with smart choices

In Brazil, the Crypto World is Seeing a Shift

The Younger Crowd is Making Waves

It's not the usual big betters driving the change. Instead, it's the younger crowd, those under 24, who are making waves. They're not going for the wild rides. They're playing it safe with stablecoins and tokenized bonds.

A Significant Trend

This isn't just a small trend. The number of young investors has jumped by 56% in just one year. They're not just diving in. They're dipping their toes first with low-risk products. These are things like digital fixed-income products. They're offered on platforms like Mercado Bitcoin. The platform calls them Renda Fixa Digital (RFD). That's just a fancy way of saying digital fixed income.

The Big Deal

These products are a big deal. In 2025 alone, the volume of RFD more than doubled. That's 1.8 billion reals, or about $325 million, paid out to users. On average, these products gave back 132% of Brazil's risk-free rate. That's a pretty good deal.

Other Platforms Joining In

But Mercado Bitcoin isn't the only one offering these products. Other platforms like Liqi and AmFi are also jumping on the bandwagon. They're offering similar blockchain-based products.

Overall Crypto Transaction Volume

It's not just the young ones driving the change. Overall, crypto transaction volume has gone up by 43%. And get this, Mondays are the busiest days. That's a big shift. It shows that crypto is becoming a part of people's weekly routine. It's not just a one-time bet anymore.

Different Risk Appetites

But not everyone is playing it safe. It depends on your income. Middle-income folks are putting up to 12% of their money in stablecoins. The rest, 86%, goes into less volatile assets. That's likely tokenized bonds.

But lower-income investors are taking more risks. They're putting over 90% of their funds into traditional cryptos like bitcoin. They're going for the higher returns, even if it means more risk.