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Brazil is testing one of cryptos oldest assumptions: that digital assets only thrive when traditional financial systems fail. With its benchmark Selic rate sitting at 15%, one of the highest among major economies, Brazils central bank has maintained an aggressively tight monetary stance. Yet according to new IMF research, the countrys financial system is not cracking under pressure. Instead, credit markets remain resilient, and crypto adoption is accelerating anyway. Why Brazils Crypto Adoption Defies Traditional Macro Logic Only days after releasing its Q2 2025 COFER data, the International Monetary Fund (IMF) has shared another report, this time dissecting Brazils macroeconomic outlook. In the post, the IMF said that Brazils recent credit expansion was not a policy failure, arguing that monetary transmission remains effective despite elevated interest rates. IMF research shows that the recent credit expansion in Brazil, amid a basic interest rate of 15%, was not a policy failure. Fintechs and rising incomes are reshaping access to finance. Meanwhile, monetary policy keeps doing its job, wrote the IMF in a post. Bank lending rose 11.5% in 2024, while corporate bond issuance surged 30%. These outcomes would typically dampen the appetite for alternative financial assets. By conventional macro logic, this should be a hostile environment for crypto. Brazil raised policy rates earlier and more aggressively than peer countries, reaching 15% in 2024-2025 (Source: IMF) Instead, Brazils crypto activity jumped 43% year-over-year (YoY) in 2025, exposing a growing disconnect between legacy macro narratives and on-the-ground adoption trends. Brazils crypto activity jumped 43% YoY in 2025, with average investment per user topping $1,000.Investors are shifting from speculation to diversified portfolios, stablecoin use is surging, and even asset managers now recommend a 13% $BTC allocation. pic.twitter.com/hSoJ23RZ8m BeInCrypto (@beincrypto) December 24, 2025 A System That Works and Still Goes On-Chain The IMFs latest Article IV consultation emphasizes that Brazils central bank has done exactly what it was supposed to do. Policy tightening has filtered through to lending rates, Credit growth has begun to slow, and Inflation expectations, while still elevated, are being actively managed. Strong income growth, low unemployment, and rapid fintech expansion helped sustain credit demand even in the face of high interest rates. Digital banks and fintech lenders now account for roughly a quarter (25%) of Brazils credit card market, dramatically expanding financial access without undermining policy effectiveness. Yet crypto adoption is rising in parallel, not as a protest against the system, but increasingly as an extension of it. Citing Mercado Bitcoin, the largest digital-asset platform in Latin America, industry analysts indicate that younger investors are driving Brazils crypto surge. Brazil Gen Z is going wild for cryptocurrency but not for speculation!Young individuals under 24 in Brazil experienced a 56% increase in crypto engagement in just one year. They arent investing in unstable altcoins; rather, they are opting for stablecoins and tokenized fixed pic.twitter.com/ziLRAT2UDt MeeyVerse (@Shromeey) December 22, 2025 Adoption among users aged 24 and under increased by 56% YoY, driven by stablecoins and tokenized fixed-income products, not by speculative altcoins. Digital fixed-income products distributed approximately $325 million in returns in 2025, offering yields that directly compete with Brazils high-rate carry trade. Overall crypto transaction volumes rose 43%, while lower-risk crypto products grew 108%, signaling a shift from speculation toward structured investing. Middle-income users are allocating a significant share of their portfolios to stablecoins, while lower-income investors continue to favor Bitcoin for its higher returns. Bitcoin remains the most widely traded asset, followed by Ethereum and Solana, with approximately 18% of investors diversifying across multiple cryptocurrency assets. This behavior challenges the notion that crypto adoption is solely a response to inflation, currency collapse, or policy failure. Legacy Finance Starts to Bend Traditional institutions are responding. Ita Unibanco, Latin Americas largest private bank, has recommended a 1% to 3% portfolio allocation to Bitcoin, framing it as a diversification tool and partial hedge rather than a speculative bet. The bank cited Bitcoins low correlation with traditional assets and its role as a globally traded, decentralized store of value. This endorsement aligns with similar guidance from major U.S. asset managers. Together with Mercado Bitcoins expansion into tokenized income and equity products, including issuance on the Stellar network, the lines between traditional finance and blockchain infrastructure are becoming increasingly blurred. Brazils experience undermines the notion that crypto only thrives in broken systems. Instead, it suggests a new phase of adoption driven by utility, yield access, and portfolio diversification, even when monetary policy is working as intended. The next fault line may not be inflation or interest rates, but questions of privacy, transparency, and control. As crypto becomes embedded within regulated financial rails, debates are shifting away from macro failure toward who governs the infrastructure itself. Brazils crypto boom is not a crisis trade. Its a convergence trade, and that may be the more disruptive development of all. Read the article at BeInCrypto

Crypto ETFs Took Over 2025 — Is 2026 the Year Capital EXPLODES Beyond Bitcoin & ETH? 🔥 2025 will be remembered as the year crypto ETFs flipped the switch — turning digital assets from a niche bet into a core Wall Street product. But the real question is 👇 👉 Was 2025 just the warm-up for an even bigger 2026? 🚪 1️⃣ 2025 Opened the Floodgates Crypto ETFs became the official bridge between traditional finance and on-chain assets. Institutions no longer needed wallets, keys, or custody solutions — just clean exposure through regulated products. 💼 Pension funds 🏦 Wealth managers 📊 Asset allocators All entered at scale. 💎 2️⃣ Bitcoin & Ethereum Won Phase One BTC and ETH ETFs became the foundation of institutional crypto exposure. Not speculation. Not hype. 👉 Infrastructure-grade assets for serious portfolios. Crypto crossed the line from “trade” to asset class. ⚡ 3️⃣ Rotation Began: XRP & Solana Step In As BTC and ETH matured, capital started rotating. Institutions asked: 🧠 “What’s next after the majors?” 📈 “Where is growth, not just exposure?” That’s where XRP and Solana ETFs gained traction — higher beta, faster narratives, new use cases. 🌊 4️⃣ ETF Flows Now Shape Sentiment ETF inflows and outflows now drive market psychology. 🔄 Tactical rotations in BTC & ETH 🟢 Strength in altcoin ETFs 📊 Smarter capital, quieter hype This is no longer retail FOMO — it’s portfolio construction. 🌍 5️⃣ Crypto Is Now Macro-Connected With ETFs, crypto became linked to interest rates, risk cycles, and traditional allocation models. Crypto didn’t lose relevance — it gained context. 🔥 What Happens in 2026? 🧩 More altcoin ETFs 📦 Thematic & basket products 🏗️ Tokenized funds & RWAs ⚙️ On-chain settlement 🌐 Regulatory alignment 🚨 Bottom Line 2025 proved crypto ETFs work. 2026 will decide where the next wave of capital flows. 💬 What do YOU think institutions buy after BTC & ETH? #etf

Here is how I'm navigating the Trading Club Championship Phase 23. Before I began, I asked GetAgent for insights, and every day, as I progress, I continue the same process. Today, I did the same thing, and GetAgent recommended 3 coins/tokens to leverage, and they include $ZEC , $BTC , and Solana. This is how I have been able to keep up, and it has completely changed how I pick tokens with potential setups to get good $BGB rewards. Have you tried using GetAgent to analyze your tokens yet? if yes, then how is it playing out for you?

In 2025, memecoins and AI-themed altcoins dominated discussions among cryptocurrency enthusiasts, yet their popularity did not equate to performance. A recent CoinGecko report reveals both sectors have experienced significant year-to-date (YTD) losses. As 2025’s volatile final quarter unfolds, the market’s cautious approach has diminished the appetite for pure speculation. Although market interest remains high, generating profits has become challenging for many investors this year. Contents Memecoin and AI Token Trends RWA and Layer-1 Yield Positive Results Memecoin and AI Token Trends According to CoinGecko, memecoins, a popular narrative in 2025, reported an average YTD loss of 31.6%. Larger-scale memecoins experienced declines between 44.6% and 82.5%. However, within the Virtuals ecosystem, Ribbita stood as an exception, resisting the downward trend. The AI-themed altcoins followed a similar pattern, with most observing losses ranging from 49.8% to 84.3%. Notable exceptions include Alchemist AI and Kite, which managed to avoid steep drops. The report highlights the increasing difficulty investors face in transforming popular narratives into returns in 2025. Weakness extended beyond memecoins and AI altcoins to other narratives like DeFi and DEX coins. DeFi trailed closely with an average loss of 34.8%, while DEX coins mirrored AI’s downfall with a 55.5% decline. Layer 2 solutions, despite scaling promises, underwhelmed with an average YTD loss of 40.6% for the second consecutive year. RWA and Layer-1 Yield Positive Results In contrast to negative returns elsewhere, Real World Assets (RWA) emerged as the most profitable narrative of 2025. Major RWA altcoins surged by an average of 185.8% YTD, driven by the substantial rally of Keeta Network, which soared 1,794.9%. Zebec Network and Maple Finance also contributed significantly to the positive performance. However, returns fell short compared to the 819.5% leap seen in 2024. Layer-1 solutions claimed the second spot, achieving an average YTD gain of 80.3%. Blockchains focused on privacy, like Zcash and Monero, showed notable gains. They were joined by Bitcoin Cash, BNB, and Tron, maintaining an upward trajectory in this narrative. CoinGecko identified RWA and Layer-1 as the only narratives to produce consistent positive returns over two years. The “Made in USA” altcoin narrative recorded a modest gain of 30.6% YTD. Gains from Zcash offset losses in other areas. Meanwhile, Gaming and DePIN witnessed severe declines, with decreases of 75.2% and 76.7%, respectively. Although prominent in mindshare, the Solana ecosystem underperformed by dropping 64.2% YTD.