Brazilian Gen Z Boosts Crypto Adoption With 56% Participation Growth in 2025

Brazil’s cryptocurrency landscape is rapidly evolving, and younger investors are driving the change.

According to a new report from Mercado Bitcoin, participation among investors under 24 surged 56% in 2025.

Unlike older cohorts chasing high volatility tokens, Gen Z is approaching crypto cautiously, focusing on stablecoins and tokenized bonds.

These lower-risk products allow them to gain exposure to digital assets while managing potential losses.

The trend signals a maturation of Brazil’s crypto ecosystem, where digital assets are increasingly used as part of a structured financial strategy rather than just speculative play.

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Key Takeaways

1. Gen Z investors in Brazil grew 56% in 2025, leading adoption.

2. Tokenized bonds reached $325 million, offering high yield with lower risk.

3. Investment strategies vary by income, with middle-income users favoring stablecoins and lower-income users holding Bitcoin.

Gen Z Drives Crypto Adoption in Brazil

Younger investors are reshaping how cryptocurrencies are used in Brazil. The Mercado Bitcoin report shows that Gen Z investors under 24 are now the fastest-growing group on the platform. Many are bypassing highly volatile tokens in favor of stable, income-generating digital assets.

How Gen Z Approaches Crypto

• Focus on low-volatility assets like stablecoins and tokenized bonds

• Treat crypto as part of a personal finance routine rather than a gamble

• Engage in trading on a regular, strategic schedule rather than sporadic speculation

The shift reflects a broader trend where cryptocurrency is becoming integrated into day-to-day financial habits.

Overall transaction volume on Mercado Bitcoin increased 43% year-over-year, suggesting that younger users are not just entering the market but actively participating in it.

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

Tokenized Bonds Surge to $325 Million

One standout area of growth is Brazil’s digital fixed-income market, known as Renda Fixa Digital or RFD.

These tokenized bonds allow investors to own fractional shares of income-generating assets, providing a more predictable return compared to volatile cryptocurrencies.

Key Features of RFD

• Total distribution reached 1.8 billion reals ($325 million) in 2025

• Average returns hit 132% of Brazil’s risk-free benchmark rate

• Offered under Mercado Bitcoin’s “invisible blockchain” strategy, emphasizing utility over technology

This growth indicates that Brazilian investors are looking for products that combine blockchain advantages with tangible financial outcomes.

By offering predictable yields, tokenized bonds are proving especially appealing to Gen Z investors seeking to balance opportunity and stability.

Read Also: Introduction to Braza BRL (BBRL) Crypto

Income Levels Influence Crypto Allocation

Investor strategy in Brazil differs significantly based on income. Middle-income users tend to allocate up to 12% of their portfolio to stablecoins while keeping the bulk in tokenized bonds.

Lower-income users, by contrast, allocate over 90% of their funds to traditional cryptocurrencies like Bitcoin, accepting higher risk for potential higher rewards.

Insights from Mercado Bitcoin

• Middle-income investors prioritize stability and predictable returns

• Lower-income investors show a higher appetite for risk

• Regulatory clarity and central bank licensing have boosted confidence across income brackets

The data underscores that younger investors are not homogenous. Their approach to crypto varies depending on financial circumstances, risk tolerance, and available resources, highlighting a nuanced evolution of the market.

Read Also: Brazil Launches First XRP ETF! Ripple's Adoption Becomes More Prominent

Conclusion

Brazil’s Gen Z is emerging as a major driver of cryptocurrency adoption. By embracing stablecoins and tokenized bonds, young investors are approaching digital assets with caution and strategy.

The 56% participation growth in 2025 shows that crypto is moving from speculative hype to an integral part of personal finance.

With tokenized bonds reaching $325 million and returns outpacing benchmarks, Brazil’s market demonstrates that blockchain technology can offer real-world financial utility while maintaining accessibility for younger participants.

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FAQ

What drove the 56% growth in Gen Z crypto participation in Brazil?

The surge is due to younger investors seeking low-volatility assets like stablecoins and tokenized bonds.

What are tokenized bonds in Brazil?

Renda Fixa Digital allows investors to buy fractional shares of income-generating assets with predictable returns.

How do income levels affect crypto investment strategies?

Middle-income users favor stablecoins and tokenized bonds, while lower-income users primarily invest in Bitcoin for higher risk and potential returns.

What role does regulation play in Brazilian crypto adoption?

Central bank licensing and clear rules have boosted confidence and encouraged broader participation.

Are younger investors engaging in crypto for speculation or long-term planning?

Gen Z is using crypto strategically, treating it as part of a regular financial routine rather than solely for speculative gains.

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