Brazil’s cryptocurrency market is entering a new phase. According to the latest report from Mercado Bitcoin, total crypto transaction volume rose 43 percent year over year in 2025, while the average investment per user surpassed 1,000 US dollars for the first time. The data suggest a shift from short-term speculation toward more structured, long-term investing.

Market maturity fewer bets more strategy

The report, Raio-X do Investidor em Ativos Digitais 2025, is based on data from Latin America’s largest digital asset exchange, Mercado Bitcoin. Analysts note that Brazil’s crypto market is increasingly driven by portfolio planning and risk management rather than purely speculative trading.

The average investment per user reached roughly 5,700 Brazilian reais, or more than 1,000 dollars. At the same time, 18 percent of investors diversified across multiple crypto assets, signaling a growing focus on diversification.

Bitcoin leads stablecoins attract new users

Bitcoin remained the most traded asset in 2025, maintaining its dominant position. It was followed by the US dollar-pegged stablecoin USDt. Stablecoins played a key role in onboarding new investors, with transaction volumes nearly tripling year over year.

Amid macroeconomic uncertainty and heightened volatility, users increasingly turned to more stable digital assets. This trend is reflected in the 108 percent annual growth of low-risk crypto products in Brazil.

Digital bonds see rapid growth

The segment known as Renda Fixa Digital (RFD), or digital bonds, expanded significantly in 2025. Investment volumes rose 108 percent, and Mercado Bitcoin paid out approximately 325 million dollars to investors. These low-risk crypto products are emerging as a viable alternative to traditional financial instruments.

Young investors surge interest spans generations

The fastest growth was recorded among investors aged 24 and under, with a 56 percent year-over-year increase. However, Mercado Bitcoin notes that demand is rising across all age groups, including high-net-worth individuals and institutional investors.

Crypto adoption spreads regionally

Southeastern and southern regions of Brazil continue to dominate transaction volumes, particularly São Paulo and Rio de Janeiro. At the same time, central-western and northeastern states are gaining visibility, indicating broader national adoption.

Itaú Asset recommends 1 to 3 percent allocation to bitcoin

Traditional financial institutions are also acknowledging Bitcoin’s growing role. As reported by Cointelegraph, Itaú Asset Management advised investors to allocate between 1 and 3 percent of their portfolios to bitcoin.

Strategist Renato Eid described Bitcoin as a distinct asset class with its own return profile and potential hedging properties, despite the significant price volatility seen in 2025.

Brazil as a signal of a global trend

Brazil’s data suggest that cryptocurrencies in emerging markets are moving into the mainstream. Larger investment amounts, greater diversification, and the rising popularity of low-risk digital products indicate a maturing crypto market that could foreshadow developments in other regions.

Sources:

https://www.mercadobitcoin.com.br/wp-content/uploads/2025/12/Raio-x-do-Investidor-em-Ativos-Digitais-2025.pdf

https://cointelegraph.com/news/brazil-crypto-activity-43-percent-growth-average-investment-2025