The usage of cryptocurrency in the Brazilian market is currently undergoing a transformation due to the influence of a young generation of people who value stability and focusing on real applications compared to trading by price speculation. Traders are now settling on income tokens.
According to data from the exchange website, Mercado Bitcoin, the youngest investors, being 24 years old or younger, were the fastest-growing group of investors using the exchange website in 2025, registering a 56% increase from the previous year. To this group of investors, cryptocurrencies are no longer an option for quick gains, as preserving value becomes the agenda.
One of the major drivers for such a trend is the emergence of "tokenized" fixed income products, which enter the regional market as "Digital Fixed Income." Such products are soon to represent a “fractional” form of "real-world income-generating" underlying assets and hence are expected to play a role closer to that of traditional fixed-income products or "bonds" rather than "tokens". In the year 2025, a total of $325 million was disbursed through such products in Mercado Bitcoin. This was more than double the disbursal in the previous year.
In this scenario, the role played by stable coins does not differ. Middle-class investors are increasingly allocating a large number of investments in dollar-linked currencies, along with the larger part of their investments in digital income products, with lower volatility rates.
Use cases also reinforce this pattern. The activity in terms of crypto in the site has shown a 43% increase in activity over last year, and Mondays are now seen as the busiest days in terms of registrations and trading activity. This leads to an understanding that the perception of gambling is declining in favor of being seen as integrated financial activity.
However, income levels still matter in terms of risk-taking. While the middle class likes stable coins and bond coins, the less educated and less wealthy class still has a large presence in the conventional cryptocurrencies, including bitcoin, due to the potential for gains. Based on these elements put together, the Brazilian market appears to be on the threshold of a paradigm shift when it comes to the world of cryptocurrency. Using finance on the blockchain appears to be rapidly changing from a highly speculative venture to a practical means of finance for a rising number of young investors.
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