Brazil’s Crypto Surge: Stablecoins Now Make Up to 90% of All Transactions

Brazil has become the undisputed crypto powerhouse of Latin America in 2025. With over $319 billion in on-chain value received between mid-2024 and mid-2025, the country ranks among the global top 10 for crypto activity. The real story, however, is the explosive dominance of stablecoins – reaching up to 90% of all crypto transactions in peak months.

This Brazil crypto market surge is driven by economic necessity: high inflation, currency volatility, and expensive traditional remittances push millions toward digital dollars like USDT and USDC.

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The Numbers Behind the Stablecoin Boom in Brazil

In the first half of 2025 alone, Brazil recorded R$227 billion ($42.8 billion) in declared crypto transactions – a 20% increase year-over-year. Stablecoins crushed every other asset class.

Key highlights from official data:

• USDT (Tether) accounted for 60–66% of total volume

• USDC captured around 25% market share

• Bitcoin dropped to only 11% of transactions

• Combined stablecoins hit 90% in several months

These figures come directly from Brazil’s Federal Revenue Service (Receita Federal) and Central Bank reports.

Read Also: VERT Capital and XDC Network to Tokenize $1 Billion in Real-World Assets in Brazil

Why Brazilians Choose Stablecoins Over Bitcoin and Altcoins

Stablecoins have moved far beyond speculation. For most users, they are now everyday financial tools.

Common use cases include:

• Protecting savings from 4–6% monthly inflation

• Receiving international remittances 80–90% cheaper than banks

• Paying suppliers and freelancers across borders instantly

• Running e-commerce and service businesses with predictable pricing

Unlike volatile assets, USDT and USDC offer the stability of the U.S. dollar with the speed of blockchain.

USDT vs USDC: The Battle for Brazil’s Stablecoin Crown

Tether (USDT) remains the undisputed leader in Brazil’s crypto market. In Q1 2025, USDT processed R$37.1 billion – representing 81% of all stablecoin flows. Its massive liquidity and availability on every major Brazilian exchange keep it ahead.

USDC, issued by Circle, is growing fastest among institutions and regulated platforms. Its full reserves and monthly attestations appeal to banks and large companies entering the space.

How New 2025–2026 Regulations Are Changing the Game

Brazil’s Central Bank introduced groundbreaking rules in November 2025 (effective February 2026) that classify stablecoin transactions as foreign-exchange operations. This means:

• All purchases, sales, and transfers must be reported like traditional FX

• Platforms must integrate with the new DeCripto monitoring system launching July 2025

• Potential new taxes on previously untaxed flows (estimated $30 billion yearly loss)

While some fear overregulation, others see clearer rules as the final step toward mainstream adoption.

Read Also: Meliuz’s Bitcoin Ambition: A Strategic Move or Risky Gamble?

Impact of Stablecoin Dominance on Brazil’s Crypto Economy

The rise of stablecoins is reshaping Brazil’s entire financial landscape:

• Small businesses accept USDT directly from customers

• Freelancers on global platforms get paid in digital dollars

• Families receive remittances in minutes instead of days

• Millions now hold USD-denominated savings without a U.S. bank account

This “soft dollarization” provides economic stability never before accessible to the average citizen.

Brazil vs. the Rest of Latin America: A Clear Leader

According to the Chainalysis 2025 Global Crypto Adoption Index, Brazil ranks higher than Argentina, Mexico, and Venezuela combined in stablecoin usage. 

The country’s instant payment system Pix, combined with dozens of licensed crypto exchanges, created perfect conditions for mass adoption.

Read Also: Market Response and XRP Price Reaction to Brazil’s Spot XRP ETF Approval

Conclusion

Brazil’s crypto market in 2025 proves that digital assets can move beyond hype into real-world utility. With stablecoins handling up to 90% of transactions, the country has built one of the most mature and practical crypto economies on the planet.

Ready to join Brazil’s stablecoin revolution? Start with a trusted global platform offering deep USDT/USDC liquidity, low fees, and 24/7 trading. Secure your financial future today – the digital dollar wave is just beginning.

FAQ

Why are stablecoins dominating up to 90% of Brazil’s crypto transactions?

Because users want protection from inflation, fast remittances, and dollar stability without banking barriers.

What gives USDT such a big lead over USDC in Brazil?

USDT wins on raw liquidity and availability across local trading apps, making it the easiest stablecoin to move at scale.

How will the 2026 FX-style rules impact stablecoin trading?

Every USDT/USDC move will be treated like a foreign-exchange operation, adding reporting requirements and tighter oversight.

Why is Bitcoin losing market share in Brazil?

Users prioritize predictable pricing and smooth payments, and Bitcoin’s volatility makes it less practical for daily financial needs.

How does Brazil’s Pix system accelerate stablecoin adoption?

Pix bridges fiat and crypto instantly, letting people move between BRL and digital dollars with near-zero friction.

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