Why are young Brazilians choosing stablecoins: a trend that will reshape the market

The Brazilian cryptocurrency market is undergoing a transformation, largely thanks to the activity of Generation Z representatives. According to research, young people under 24 are increasingly turning to digital assets, resulting in a 56% increase in such users. However, this is not about a mass enthusiasm for Bitcoin, but rather a targeted choice of specific instruments.

Stablecoins and tokenized bonds are becoming the main trend

Brazilian youth are focusing on stablecoins and instruments like Renda Fixa Digital (RFD) — tokenized bonds that offer stability and predictability. This choice is driven by the desire to access crypto technologies without extreme volatility. According to trading platforms, RFD volumes doubled throughout 2025, reaching 1.8 billion reais.

Income level differentiation determines investment strategies

Analysis shows a clear picture of asset distribution among the population. Citizens with sufficient income levels prefer stablecoins, holding up to 12% of their portfolio in them. This is explained by their reliability and the ability to earn stable returns. Meanwhile, investors with more limited resources choose Bitcoin as a means of long-term wealth accumulation.

Regulators strengthen oversight in response to market growth

The Central Bank of Brazil has not remained on the sidelines of the developing situation. Supervisory authorities have mandated all crypto service operators to undergo licensing procedures, thereby establishing formal operational frameworks. This decision aligns with global regulatory trends, including the implementation of measures like the EU Crypto-Asset Markets Regulation, which continues to serve as a benchmark for national legislations.

The developments in Brazil demonstrate how the digital generation is redefining the role of crypto assets: from a speculative tool, they are transforming into a tool for savings management and income generation.