CRYPTOFACIL
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CRYPTOFACIL
No espaço da CRYPTOFACIL, compartilhamos nossos estudos, análises, guias educacionais e insights. Valorizamos o conhecimento com foco no aprendizado contínuo.
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🚨 CENTRAL BANK CRYPTO HOLDING UP TO 24H FOR SOME TRANSFERS. UNDERSTAND WHEN THE RULE APPLIES.
The Central Bank published BCB Resolution No. 584/2026, which creates a precautionary hold of up to 24 hours for certain transfers of virtual assets.
📅 The rule takes effect on 1/January/2027
But WATCH OUT: this does not mean that every crypto transaction will be required to wait 24 hours.
Let’s simplify:
👉 Did you send BRL from your bank to the exchange to buy crypto?
This new hold is not about that BRL transfer.
👉 Did you buy or sell BTC, XRP, USDT, or another crypto within the exchange itself?
This also is not the kind of trading covered.
👉 Did you sell your crypto, keep a BRL balance, and transfer the BRL back to your bank account in Brazil?
This specific rule also does not deal with that BRL withdrawal.
So when can it AFFECT us?
Mainly when we withdraw our own cryptocurrency from the platform and transfer it as crypto to certain destinations.
For example:
➡️ USDT, BTC, or other crypto to your own wallet;
➡️ crypto to certain providers or platforms abroad.
Above US$ 10 thousand, individually or considering the daily accumulated amount provided for by the rule, the covered transactions may be kept under precautionary hold for up to 24 hours.
Even below that amount, there may be a hold when fraud-prevention mechanisms identify risk.
⚠️ And “up to 24 hours” does not necessarily mean waiting the full 24 hours: after the analysis, the operation may be released earlier.
IN SHORT: if you use the exchange only to put in BRL, buy and sell crypto, and then switch back to BRL in your bank, this specific hold is not the main impact for you.
The change matters more for people who move their own cryptocurrencies out of the platform.
💬 POLL:
Is the up to 24h hold a necessary measure?
The Central Bank published BCB Resolution No. 584/2026, which creates a precautionary hold of up to 24 hours for certain transfers of virtual assets.
📅 The rule takes effect on 1/January/2027
But WATCH OUT: this does not mean that every crypto transaction will be required to wait 24 hours.
Let’s simplify:
👉 Did you send BRL from your bank to the exchange to buy crypto?
This new hold is not about that BRL transfer.
👉 Did you buy or sell BTC, XRP, USDT, or another crypto within the exchange itself?
This also is not the kind of trading covered.
👉 Did you sell your crypto, keep a BRL balance, and transfer the BRL back to your bank account in Brazil?
This specific rule also does not deal with that BRL withdrawal.
So when can it AFFECT us?
Mainly when we withdraw our own cryptocurrency from the platform and transfer it as crypto to certain destinations.
For example:
➡️ USDT, BTC, or other crypto to your own wallet;
➡️ crypto to certain providers or platforms abroad.
Above US$ 10 thousand, individually or considering the daily accumulated amount provided for by the rule, the covered transactions may be kept under precautionary hold for up to 24 hours.
Even below that amount, there may be a hold when fraud-prevention mechanisms identify risk.
⚠️ And “up to 24 hours” does not necessarily mean waiting the full 24 hours: after the analysis, the operation may be released earlier.
IN SHORT: if you use the exchange only to put in BRL, buy and sell crypto, and then switch back to BRL in your bank, this specific hold is not the main impact for you.
The change matters more for people who move their own cryptocurrencies out of the platform.
💬 POLL:
Is the up to 24h hold a necessary measure?
Proteção contra fraudes
25%
Controle excessivo
75%
4 votes • Voting closed
Verified
MONEYGRAM EXPANDS TO SOLANA: CRYPTO ENTERS, MONEY LEAVES
On August 11, 2026, MoneyGram announced that MoneyGram Ramps is already live on SOLANA. The information was published by MoneyGram itself and also by the Solana Foundation. (MoneyGram Corporate)
In practice, wallets and applications built on SOLANA will be able to connect digital assets to traditional money using MoneyGram’s global infrastructure.
📌 Cash deposits in more than 25 countries
📌 Cash withdrawals in more than 170 countries and territories
📌 Integration available within the Solana Developer Platform
📌 Rift is the first Solana wallet to integrate the service. (Solana)
And there’s more: MoneyGram has been expanding its presence in the ecosystem. On June 22, it also became a validator for the Solana network. (MoneyGram Corporate)
💡 And could this help with the appreciation of the $SOL ?
In my view, it can contribute, because it increases network utility, makes it easier to move between crypto and traditional money, and can bring more users, applications, and volume to the Solana ecosystem.
But it’s important to separate things: network adoption does not automatically mean the $SOL will increase in value.
For this kind of integration to have a more consistent impact on price, it needs to turn into recurring usage—more economic activity, more demand for the network, and greater institutional participation.
For me, this is exactly the kind of news I like to follow: less hype and more infrastructure being genuinely used.
💬 Do you think integrations like this can make a bigger long-term difference for the $SOL than simply increasing the number of transactions?
On August 11, 2026, MoneyGram announced that MoneyGram Ramps is already live on SOLANA. The information was published by MoneyGram itself and also by the Solana Foundation. (MoneyGram Corporate)
In practice, wallets and applications built on SOLANA will be able to connect digital assets to traditional money using MoneyGram’s global infrastructure.
📌 Cash deposits in more than 25 countries
📌 Cash withdrawals in more than 170 countries and territories
📌 Integration available within the Solana Developer Platform
📌 Rift is the first Solana wallet to integrate the service. (Solana)
And there’s more: MoneyGram has been expanding its presence in the ecosystem. On June 22, it also became a validator for the Solana network. (MoneyGram Corporate)
💡 And could this help with the appreciation of the $SOL ?
In my view, it can contribute, because it increases network utility, makes it easier to move between crypto and traditional money, and can bring more users, applications, and volume to the Solana ecosystem.
But it’s important to separate things: network adoption does not automatically mean the $SOL will increase in value.
For this kind of integration to have a more consistent impact on price, it needs to turn into recurring usage—more economic activity, more demand for the network, and greater institutional participation.
For me, this is exactly the kind of news I like to follow: less hype and more infrastructure being genuinely used.
💬 Do you think integrations like this can make a bigger long-term difference for the $SOL than simply increasing the number of transactions?
CRYPTOFACIL
·
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MONEYGRAM JOINS AS A VALIDATOR ON SOLANA
MoneyGram officially entered as an active validator on the SOLANA network today, June 22, 2026.
This means the company will now participate in the blockchain operation, assisting in transaction processing and network security.
The key point is that MoneyGram isn't a native crypto player. It's a traditional international payments and remittance company.
This move comes just weeks after the launch of MGUSD, their dollar-pegged stablecoin for use in their global payments network.
The news isn't about the price of $SOL .
It's about infrastructure.
Traditional payment companies are starting to leverage blockchain and stablecoins as a real part of the financial machinery.
Note: MoneyGram is a traditional American international remittance company, similar to Western Union.
MoneyGram officially entered as an active validator on the SOLANA network today, June 22, 2026.
This means the company will now participate in the blockchain operation, assisting in transaction processing and network security.
The key point is that MoneyGram isn't a native crypto player. It's a traditional international payments and remittance company.
This move comes just weeks after the launch of MGUSD, their dollar-pegged stablecoin for use in their global payments network.
The news isn't about the price of $SOL .
It's about infrastructure.
Traditional payment companies are starting to leverage blockchain and stablecoins as a real part of the financial machinery.
Note: MoneyGram is a traditional American international remittance company, similar to Western Union.
RUSSIA ADVANCES REGULATION AND RELEASES $BTC , $ETH AND $USDT FOR COMMON INVESTORS
The Central Bank of Russia today,
11/August/2026, published a proposal to allow unqualified investors to trade Bitcoin, Ethereum and USDT within a regulated market.
The idea is to restrict initial access to assets considered more liquid and established, using criteria such as market capitalization, trading volume, and price history.
📌 The common investor must pass a knowledge test and will have an annual investment limit per intermediary.
Meanwhile, qualified investors will have access to a broader range of cryptoassets.
Important: the proposal is still open to public consultation and may be adjusted before final implementation.
For me, the most relevant point is that yet another large market is moving on from debating whether to regulate crypto and is instead defining how the common investor will be able to access it.
💬 Do you see this move as another important step toward institutional adoption of cryptocurrencies?
The Central Bank of Russia today,
11/August/2026, published a proposal to allow unqualified investors to trade Bitcoin, Ethereum and USDT within a regulated market.
The idea is to restrict initial access to assets considered more liquid and established, using criteria such as market capitalization, trading volume, and price history.
📌 The common investor must pass a knowledge test and will have an annual investment limit per intermediary.
Meanwhile, qualified investors will have access to a broader range of cryptoassets.
Important: the proposal is still open to public consultation and may be adjusted before final implementation.
For me, the most relevant point is that yet another large market is moving on from debating whether to regulate crypto and is instead defining how the common investor will be able to access it.
💬 Do you see this move as another important step toward institutional adoption of cryptocurrencies?
Verified
RIPPLE + BRITISH GOVERNMENT RETURNED TO GO VIRAL TODAY.
BUT WHAT REALLY HAPPENED????
Today, an idea circulated again on social media that Ripple may have achieved a kind of “integration with the British government”.
The report HAS some basis, but it’s not new and it’s being EXAGGERATED.
📌 The original fact happened on July 13: Ripple began INTEGRATING an initiative with 54 institutions, created in the context of the UK government’s strategy to accelerate the tokenization of financial markets.
The group also includes names like BlackRock, JPMorgan, Morgan Stanley, Coinbase, and Circle, and it works on topics such as tokenized assets and digital public bonds.
🚨 What DIDN’T happen: the UK government did not announce today an EXCLUSIVE partnership with Ripple and did not choose or endorse <a>$XRP </a> as an official currency or infrastructure.
In other words: Ripple’s involvement is REAL and RELEVANT. The interpretation that the government “adopted XRP” ISN’T.
For me, the original news is positive enough already. We don’t need to overhype it to recognize that Ripple’s presence alongside major institutions in an initiative of this scale is yet another step forward in its approach to the traditional financial market.
💬 Did you also understand from today’s news that it was a new deal with the British government?
BUT WHAT REALLY HAPPENED????
Today, an idea circulated again on social media that Ripple may have achieved a kind of “integration with the British government”.
The report HAS some basis, but it’s not new and it’s being EXAGGERATED.
📌 The original fact happened on July 13: Ripple began INTEGRATING an initiative with 54 institutions, created in the context of the UK government’s strategy to accelerate the tokenization of financial markets.
The group also includes names like BlackRock, JPMorgan, Morgan Stanley, Coinbase, and Circle, and it works on topics such as tokenized assets and digital public bonds.
🚨 What DIDN’T happen: the UK government did not announce today an EXCLUSIVE partnership with Ripple and did not choose or endorse <a>$XRP </a> as an official currency or infrastructure.
In other words: Ripple’s involvement is REAL and RELEVANT. The interpretation that the government “adopted XRP” ISN’T.
For me, the original news is positive enough already. We don’t need to overhype it to recognize that Ripple’s presence alongside major institutions in an initiative of this scale is yet another step forward in its approach to the traditional financial market.
💬 Did you also understand from today’s news that it was a new deal with the British government?
MORE THAN 100 CRYPTO PROJECTS HAVE DISAPPEARED IN 2026.
IS THE MARKET SEPARATING UTILITY FROM PROMISE???
More than 100 projects closed, collapsed, or simply disappeared in 2026, according to a survey published by CoinDesk.
For me, this reinforces an important shift in the market: narrative alone is becoming less and less enough.
Projects that can’t generate users, revenue, real activity, or sustainable utility tend to suffer far more when capital becomes selective.
It’s a kind of “natural selection” for the sector.
And maybe this is one of the biggest lessons of this cycle: it’s not enough for the token to go up. The project needs a reason to keep existing.
💬 Do you think this shakeout strengthens the crypto market, or will we still see many good projects disappear along with the bad ones?
IS THE MARKET SEPARATING UTILITY FROM PROMISE???
More than 100 projects closed, collapsed, or simply disappeared in 2026, according to a survey published by CoinDesk.
For me, this reinforces an important shift in the market: narrative alone is becoming less and less enough.
Projects that can’t generate users, revenue, real activity, or sustainable utility tend to suffer far more when capital becomes selective.
It’s a kind of “natural selection” for the sector.
And maybe this is one of the biggest lessons of this cycle: it’s not enough for the token to go up. The project needs a reason to keep existing.
💬 Do you think this shakeout strengthens the crypto market, or will we still see many good projects disappear along with the bad ones?
WEEKEND: LOW LIQUIDITY CAN BRING SURPRISES !!!!
On weekends, the crypto market usually has LOWER liquidity.
With less money circulating in the order books, large orders, liquidations, or whale movements can trigger sharp rises or drops, without necessarily meaning a change in trend.
That’s why I usually place some PLANNED BUY and SELL orders to try to take advantage of occasional price moves that may happen precisely during these low-liquidity periods.
📊 POLL: do you also follow along, noticing the low liquidity on weekends?
On weekends, the crypto market usually has LOWER liquidity.
With less money circulating in the order books, large orders, liquidations, or whale movements can trigger sharp rises or drops, without necessarily meaning a change in trend.
That’s why I usually place some PLANNED BUY and SELL orders to try to take advantage of occasional price moves that may happen precisely during these low-liquidity periods.
📊 POLL: do you also follow along, noticing the low liquidity on weekends?
Compra/venda: final de semana
50%
Não negocia no final de semana
50%
2 votes • Voting closed
$XRP x $XLM : what really differentiates the two networks?
At first glance, XRP and XLM may seem to perform similar functions, since both move value quickly, with low fees and without mining. But when we look at the structure of each network, the differences become much clearer.
$XRP operates on the XRP Ledger (XRPL), a network focused on transferring and settling value. Transactions are validated by a distributed network of validators and are usually completed in a matter of seconds. XRP is the native asset of the XRPL and can even act as a bridge asset, connecting coins and other assets in settlement operations.
XLM, on the other hand, is the native asset of Stellar, a network built with a strong focus on payments, remittances, and moving different digital assets. Its consensus uses the Stellar Consensus Protocol (SCP), and the network allows other assets to be issued and moved within its own ecosystem.
And here is a DIFFERENCE I consider IMPORTANT: on Stellar, a transfer does not necessarily have to use XLM as the transferred asset. Stablecoins and other tokens can circulate through the network, while XLM performs functions such as paying transaction fees and meeting the network’s minimum requirements.
On XRPL, XRP is also used for fees, but its role can go further: it can directly participate in liquidity and conversion between different assets, in addition to integrating the XRPL’s native DEX.
That’s why I don’t see XRP and XLM as simply two competing coins.
They tackle similar problems, but with different structures, ecosystems, and roles for their tokens.
And for investors, this difference is far more important than simply comparing which coin is worth more.
📊 POLL: when thinking about long-term potential, which project captures your attention more?
At first glance, XRP and XLM may seem to perform similar functions, since both move value quickly, with low fees and without mining. But when we look at the structure of each network, the differences become much clearer.
$XRP operates on the XRP Ledger (XRPL), a network focused on transferring and settling value. Transactions are validated by a distributed network of validators and are usually completed in a matter of seconds. XRP is the native asset of the XRPL and can even act as a bridge asset, connecting coins and other assets in settlement operations.
XLM, on the other hand, is the native asset of Stellar, a network built with a strong focus on payments, remittances, and moving different digital assets. Its consensus uses the Stellar Consensus Protocol (SCP), and the network allows other assets to be issued and moved within its own ecosystem.
And here is a DIFFERENCE I consider IMPORTANT: on Stellar, a transfer does not necessarily have to use XLM as the transferred asset. Stablecoins and other tokens can circulate through the network, while XLM performs functions such as paying transaction fees and meeting the network’s minimum requirements.
On XRPL, XRP is also used for fees, but its role can go further: it can directly participate in liquidity and conversion between different assets, in addition to integrating the XRPL’s native DEX.
That’s why I don’t see XRP and XLM as simply two competing coins.
They tackle similar problems, but with different structures, ecosystems, and roles for their tokens.
And for investors, this difference is far more important than simply comparing which coin is worth more.
📊 POLL: when thinking about long-term potential, which project captures your attention more?
XRP
54%
XLM
19%
As DUAS
19%
NENHUMA delas
8%
111 votes • Voting closed
Se $XRP “isn’t moving,” why are whales still accumulating?
While many investors like me and you lose patience, the on-chain data shows a different movement from the big players.
📊 EVIDENCE:
• Wallets holding from 100 thousand to 100 million XRP increased their balances by 2.8% over the last 5 weeks. (CoinDesk)
• Wallets that move more than 1 million XRP accounted for over 55% of withdrawals from Binance, reducing the supply available for sale on exchanges. (AMBCrypto)
• According to CryptoQuant, the pattern of large orders indicates SILENT ACCUMULATION. (CoinDesk)
⚠️ CAUTION: This doesn’t mean that $XRP will rise immediately.
But it shows that while part of the market only looks at price, large investors are still increasing exposure.
In your opinion: what are the WHALES seeing in $XRP that the market still doesn’t see?
While many investors like me and you lose patience, the on-chain data shows a different movement from the big players.
📊 EVIDENCE:
• Wallets holding from 100 thousand to 100 million XRP increased their balances by 2.8% over the last 5 weeks. (CoinDesk)
• Wallets that move more than 1 million XRP accounted for over 55% of withdrawals from Binance, reducing the supply available for sale on exchanges. (AMBCrypto)
• According to CryptoQuant, the pattern of large orders indicates SILENT ACCUMULATION. (CoinDesk)
⚠️ CAUTION: This doesn’t mean that $XRP will rise immediately.
But it shows that while part of the market only looks at price, large investors are still increasing exposure.
In your opinion: what are the WHALES seeing in $XRP that the market still doesn’t see?
CRYPTOFACIL
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🚨 Without needing to sell $XRP , it’s now possible to use it as collateral to access liquidity.
FXRP (the XRP version for DeFi created by Flare) is now accepted as collateral for loans in RLUSD, Ripple’s stablecoin.
In practice, this allows the investor to maintain their position in $XRP while accessing liquidity, without needing to sell the asset.
📌 Why does this news matter?
Because it expands the utility of the XRP ecosystem. The more real use cases an asset has, the greater its potential for adoption over time.
⚠️ IMPORTANT: this doesn’t mean immediate or automatic price appreciation. It’s more of a step forward in the ecosystem’s evolution, but the impact on price will depend on adoption, liquidity, and the actual use of this new feature.
In my opinion, the main users of this solution should be funds, experienced investors, traders, and DeFi participants who use credit and capital management strategies.
As for me, as a long-term investor, this update doesn’t change my strategy. I remain focused on accumulating and holding my position.
💬 What about you? Would you use $XRP as collateral to access liquidity?
FXRP (the XRP version for DeFi created by Flare) is now accepted as collateral for loans in RLUSD, Ripple’s stablecoin.
In practice, this allows the investor to maintain their position in $XRP while accessing liquidity, without needing to sell the asset.
📌 Why does this news matter?
Because it expands the utility of the XRP ecosystem. The more real use cases an asset has, the greater its potential for adoption over time.
⚠️ IMPORTANT: this doesn’t mean immediate or automatic price appreciation. It’s more of a step forward in the ecosystem’s evolution, but the impact on price will depend on adoption, liquidity, and the actual use of this new feature.
In my opinion, the main users of this solution should be funds, experienced investors, traders, and DeFi participants who use credit and capital management strategies.
As for me, as a long-term investor, this update doesn’t change my strategy. I remain focused on accumulating and holding my position.
💬 What about you? Would you use $XRP as collateral to access liquidity?
Verified
🚨 Without needing to sell $XRP , it’s now possible to use it as collateral to access liquidity.
FXRP (the XRP version for DeFi created by Flare) is now accepted as collateral for loans in RLUSD, Ripple’s stablecoin.
In practice, this allows the investor to maintain their position in $XRP while accessing liquidity, without needing to sell the asset.
📌 Why does this news matter?
Because it expands the utility of the XRP ecosystem. The more real use cases an asset has, the greater its potential for adoption over time.
⚠️ IMPORTANT: this doesn’t mean immediate or automatic price appreciation. It’s more of a step forward in the ecosystem’s evolution, but the impact on price will depend on adoption, liquidity, and the actual use of this new feature.
In my opinion, the main users of this solution should be funds, experienced investors, traders, and DeFi participants who use credit and capital management strategies.
As for me, as a long-term investor, this update doesn’t change my strategy. I remain focused on accumulating and holding my position.
💬 What about you? Would you use $XRP as collateral to access liquidity?
FXRP (the XRP version for DeFi created by Flare) is now accepted as collateral for loans in RLUSD, Ripple’s stablecoin.
In practice, this allows the investor to maintain their position in $XRP while accessing liquidity, without needing to sell the asset.
📌 Why does this news matter?
Because it expands the utility of the XRP ecosystem. The more real use cases an asset has, the greater its potential for adoption over time.
⚠️ IMPORTANT: this doesn’t mean immediate or automatic price appreciation. It’s more of a step forward in the ecosystem’s evolution, but the impact on price will depend on adoption, liquidity, and the actual use of this new feature.
In my opinion, the main users of this solution should be funds, experienced investors, traders, and DeFi participants who use credit and capital management strategies.
As for me, as a long-term investor, this update doesn’t change my strategy. I remain focused on accumulating and holding my position.
💬 What about you? Would you use $XRP as collateral to access liquidity?
CLARITY ACT RETURNS TO THE CENTER OF ATTENTION
Negotiations for the CLARITY Act have entered the FINAL STRETCH ahead of the U.S. Congress recess.
According to information released today, Donald Trump is expected to meet with senators to discuss the project’s latest points, while Ripple executives argue that passage of the law would increase PROTECTION for consumers and bring more regulatory clarity to the crypto market.
Ripple itself links this regulatory clarity to the expansion of institutional products tied to <a>$XRP .</a>
This could create a more favorable environment for the asset, but it does not represent a guarantee of demand or appreciation.
Regulation can open the doors. Real adoption is what will be able to sustain value.
Negotiations for the CLARITY Act have entered the FINAL STRETCH ahead of the U.S. Congress recess.
According to information released today, Donald Trump is expected to meet with senators to discuss the project’s latest points, while Ripple executives argue that passage of the law would increase PROTECTION for consumers and bring more regulatory clarity to the crypto market.
Ripple itself links this regulatory clarity to the expansion of institutional products tied to <a>$XRP .</a>
This could create a more favorable environment for the asset, but it does not represent a guarantee of demand or appreciation.
Regulation can open the doors. Real adoption is what will be able to sustain value.
ONDO SURPRISED TODAY. AND THE REASON CAN EXPLAIN A LOT.
The $ONDO was one of the big highlights in the market today.
And this time, there was an important reason.
Ondo Finance announced the launch of the first tokenized shares based on DTCC infrastructure—the institution responsible for settling most stock trades in the United States.
More than that, Ondo is participating in DTCC’s largest tokenization initiative alongside giants such as:
• J.P. Morgan
• BlackRock
• Goldman Sachs
• Nasdaq
• NYSE
This move reinforces a trend I’ve been following for quite some time: the convergence between the traditional financial market and blockchain technology.
This doesn’t mean the ONDO token will keep rising continuously. The market remains volatile, and the project still faces challenges.
But seeing $ONDO as part of the infrastructure built by some of the world’s largest financial institutions is an advancement that deserves attention.
In my opinion, this could be one of the most important milestones in Ondo Finance’s history so far.
The $ONDO was one of the big highlights in the market today.
And this time, there was an important reason.
Ondo Finance announced the launch of the first tokenized shares based on DTCC infrastructure—the institution responsible for settling most stock trades in the United States.
More than that, Ondo is participating in DTCC’s largest tokenization initiative alongside giants such as:
• J.P. Morgan
• BlackRock
• Goldman Sachs
• Nasdaq
• NYSE
This move reinforces a trend I’ve been following for quite some time: the convergence between the traditional financial market and blockchain technology.
This doesn’t mean the ONDO token will keep rising continuously. The market remains volatile, and the project still faces challenges.
But seeing $ONDO as part of the infrastructure built by some of the world’s largest financial institutions is an advancement that deserves attention.
In my opinion, this could be one of the most important milestones in Ondo Finance’s history so far.
CRYPTOFACIL
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RWA SAIU DO DISCURSO E ENTROU NA MESA DOS REGULADORES
Tokenization of REAL assets just got another significant signal.
On June 20, 2026, a statement from the SEC of the Philippines surfaced during Philippine Blockchain Week 2026: the regulator asserted that the country already has the legal foundation and regulatory maturity to accept tokenized assets.
It’s not a global approval.
It’s not "all systems go".
But it’s ANOTHER RELEVANT signal.
Because RWA isn’t just about creating a token that represents real estate, a government bond, a commodity, or a stock; the real challenge is:
to provide legal validity, liquidity, and trust so that REAL WORLD assets can circulate on the blockchain.
That’s why projects tied to this thesis, like $ONDO , Chainlink $LINK , Stellar $XLM , among others, are likely to gain attention as regulators begin to pave the way for this market.
The question now is simple:
Will RWA be the next big bridge between traditional markets and crypto, or just another pretty narrative to sell tokens?
Tokenization of REAL assets just got another significant signal.
On June 20, 2026, a statement from the SEC of the Philippines surfaced during Philippine Blockchain Week 2026: the regulator asserted that the country already has the legal foundation and regulatory maturity to accept tokenized assets.
It’s not a global approval.
It’s not "all systems go".
But it’s ANOTHER RELEVANT signal.
Because RWA isn’t just about creating a token that represents real estate, a government bond, a commodity, or a stock; the real challenge is:
to provide legal validity, liquidity, and trust so that REAL WORLD assets can circulate on the blockchain.
That’s why projects tied to this thesis, like $ONDO , Chainlink $LINK , Stellar $XLM , among others, are likely to gain attention as regulators begin to pave the way for this market.
The question now is simple:
Will RWA be the next big bridge between traditional markets and crypto, or just another pretty narrative to sell tokens?
WHAT IS AN INVESTOR’S HORIZON IN CRYPTO?
In my view, investing in cryptocurrencies with the long term in mind means having a horizon of 5 to 10 years.
But that doesn’t mean buying a coin today and only coming back to look at it a decade from now.
Long term is not ABANDONMENT; it’s monitoring.
Over those years, the price will rise, fall, and often test our conviction.
What really needs to be MONITORED isn’t just the price—it’s the INVESTMENT THESIS.
I constantly follow points like:
✅ Is network adoption still growing?
✅ Is the project still evolving technically?
✅ Are there new real-world use cases?
✅ Does developer activity remain strong?
✅ Is the tokenomics still healthy?
✅ Does the project maintain an advantage over competitors?
✅ Does network security remain solid?
✅ Does the regulatory environment favor—or harm—its evolution?
✅ Is the team still delivering what it promises? Etc…
If those answers stay positive, a PRICE DROP may represent just another market cycle and, often, an opportunity to increase your position.
But if the fundamentals start to DETERIORATE, maybe it’s time to reassess the thesis, regardless of the price.
That’s why I believe the true long-term investor doesn’t just watch charts—they track the PROJECT’S EVOLUTION.
Because, in the end, it’s not just time that makes an investment work. It’s the ability to identify whether the thesis stays alive throughout that entire period.
And you?
When you buy a cryptocurrency, do you think in days, months… or years?
POLL: When you buy a cryptocurrency, your goal is:
In my view, investing in cryptocurrencies with the long term in mind means having a horizon of 5 to 10 years.
But that doesn’t mean buying a coin today and only coming back to look at it a decade from now.
Long term is not ABANDONMENT; it’s monitoring.
Over those years, the price will rise, fall, and often test our conviction.
What really needs to be MONITORED isn’t just the price—it’s the INVESTMENT THESIS.
I constantly follow points like:
✅ Is network adoption still growing?
✅ Is the project still evolving technically?
✅ Are there new real-world use cases?
✅ Does developer activity remain strong?
✅ Is the tokenomics still healthy?
✅ Does the project maintain an advantage over competitors?
✅ Does network security remain solid?
✅ Does the regulatory environment favor—or harm—its evolution?
✅ Is the team still delivering what it promises? Etc…
If those answers stay positive, a PRICE DROP may represent just another market cycle and, often, an opportunity to increase your position.
But if the fundamentals start to DETERIORATE, maybe it’s time to reassess the thesis, regardless of the price.
That’s why I believe the true long-term investor doesn’t just watch charts—they track the PROJECT’S EVOLUTION.
Because, in the end, it’s not just time that makes an investment work. It’s the ability to identify whether the thesis stays alive throughout that entire period.
And you?
When you buy a cryptocurrency, do you think in days, months… or years?
POLL: When you buy a cryptocurrency, your goal is:
🔘 Fazer trade
25%
🔘 Investir no longo prazo
75%
🔘 Um pouco dos dois
0%
4 votes • Voting closed
USDC TAKES ANOTHER STEP TOWARD THE U.S. BANKING SYSTEM
On July 10, 2026, Circle received final approval from the U.S. federal banking regulator to establish Circle National Trust.
The new institution will be focused on the custody and administration of digital assets and may, in the future, assume functions related to the reserves that back USDC.
IT IS IMPORTANT TO CLARIFY: Circle has not become a traditional commercial bank.
Even so, the decision is relevant because it places an important part of the USDC infrastructure under direct FEDERAL oversight.
For the market, this may mean:
• greater institutional confidence;
• closer ties with banks and businesses;
• strengthening of the stablecoin infrastructure;
• progress in the use of USDC in payments and settlement.
In my view, the news shows that stablecoins are no longer operating only at the margins of the financial system and are starting to integrate into regulated structures.
Not because of the price.
Because of the structure being built.
CRYPTOFACIL
Informational content. Not investment advice.
On July 10, 2026, Circle received final approval from the U.S. federal banking regulator to establish Circle National Trust.
The new institution will be focused on the custody and administration of digital assets and may, in the future, assume functions related to the reserves that back USDC.
IT IS IMPORTANT TO CLARIFY: Circle has not become a traditional commercial bank.
Even so, the decision is relevant because it places an important part of the USDC infrastructure under direct FEDERAL oversight.
For the market, this may mean:
• greater institutional confidence;
• closer ties with banks and businesses;
• strengthening of the stablecoin infrastructure;
• progress in the use of USDC in payments and settlement.
In my view, the news shows that stablecoins are no longer operating only at the margins of the financial system and are starting to integrate into regulated structures.
Not because of the price.
Because of the structure being built.
CRYPTOFACIL
Informational content. Not investment advice.
There is still time to SIGN UP!!!!!
LET'S CELEBRATE TOGETHER!!!!
LET'S CELEBRATE TOGETHER!!!!
Binance Brasil Official
·
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Binance turns 9 years old and wants to find the old guard that built this with us.
SP: 5 VIP spots for the party.
Other regions: 5 special kits at home.
Registration until 10/07.
Se inscreva aqui!
#Binance9Years #BuiltByYou
SP: 5 VIP spots for the party.
Other regions: 5 special kits at home.
Registration until 10/07.
Se inscreva aqui!
#Binance9Years #BuiltByYou
Verified
STELLAR AND ONE: GOOD NEWS FOR THE NETWORK. AND FOR $XLM ?
The news is IMPORTANT and RELEVANT.
The UNDP (United Nations Development Programme) expanded its partnership with STELLAR to scale digital payments solutions.
The initiative has already undergone research in 17 countries and REAL pilots in 5. Now, the new phase aims to build governance and infrastructure so that UNDP offices can use DIGITAL PAYMENTS in their programs on a recurring basis.
In practice, STELLAR could be used to distribute resources, grants, and digital transfers in regions where the traditional financial system is often expensive, slow, or limited.
This is VERY POSITIVE for STELLAR.
It shows real usage.
It shows institutional application.
It shows that blockchain can solve concrete problems outside of speculation.
But, as an investor in $XLM and with a relevant percentage of my portfolio allocated to this coin, this news made me reflect.
Because there is an IMPORTANT difference between the STELLAR network being used at scale and the token $XLM capturing value proportionally to that usage.
Yes, every transaction on Stellar uses XLM. So the more the network is used, the more XLM is used operationally.
The point is that the network was designed to be extremely CHEAP.
So the question is whether this usage is large enough to ACTUALLY and in a RELEVANT way affect the coin’s price?
And that’s exactly what CONCERNS me.
We have this EXCELLENT news for Stellar and I don’t see XLM being positively impacted.
SO SAD!!!
VERY CONCERNING!!!
Conclusion: I DON’T know what kind of news—according to USABILITY agreements—would be needed for the coin to have a real appreciation rally.
And precisely because I hold XLM in my portfolio, I need to look beyond the headline.
Because in the crypto market, a network can be useful, adopted, and efficient—and yet the token may not capture all that value in the same proportion.
The news is IMPORTANT and RELEVANT.
The UNDP (United Nations Development Programme) expanded its partnership with STELLAR to scale digital payments solutions.
The initiative has already undergone research in 17 countries and REAL pilots in 5. Now, the new phase aims to build governance and infrastructure so that UNDP offices can use DIGITAL PAYMENTS in their programs on a recurring basis.
In practice, STELLAR could be used to distribute resources, grants, and digital transfers in regions where the traditional financial system is often expensive, slow, or limited.
This is VERY POSITIVE for STELLAR.
It shows real usage.
It shows institutional application.
It shows that blockchain can solve concrete problems outside of speculation.
But, as an investor in $XLM and with a relevant percentage of my portfolio allocated to this coin, this news made me reflect.
Because there is an IMPORTANT difference between the STELLAR network being used at scale and the token $XLM capturing value proportionally to that usage.
Yes, every transaction on Stellar uses XLM. So the more the network is used, the more XLM is used operationally.
The point is that the network was designed to be extremely CHEAP.
So the question is whether this usage is large enough to ACTUALLY and in a RELEVANT way affect the coin’s price?
And that’s exactly what CONCERNS me.
We have this EXCELLENT news for Stellar and I don’t see XLM being positively impacted.
SO SAD!!!
VERY CONCERNING!!!
Conclusion: I DON’T know what kind of news—according to USABILITY agreements—would be needed for the coin to have a real appreciation rally.
And precisely because I hold XLM in my portfolio, I need to look beyond the headline.
Because in the crypto market, a network can be useful, adopted, and efficient—and yet the token may not capture all that value in the same proportion.
R$ 35 MIL WITH CRYPTO:
BUYING DOESN’T COUNT.
SELLING AND EXCHANGING, YES.
That was one of my main doubts:
If I BUY crypto every month, do these purchases count toward the limit of R$ 35 thousand?
NO, THEY DON’T. THEY DON’T!!!
Buying crypto to accumulate doesn’t fall under this tax limit, because the purchase does not represent realizing a profit.
The care starts when there is a disposal, such as:
* selling crypto;
* exchanging one coin for another;
* converting to stablecoins;
* using crypto as payment.
To know if you exceeded the limit, you need to add up all disposals made during the month.
It doesn’t matter if there were several small sales.
It also doesn’t matter if they were different coins.
If I sell Bitcoin, exchange XRP for USDT, and sell another altcoin in the same month, I need to observe the total value of ALL those operations ADDED TOGETHER.
If the total disposed during the month is up to R$ 35 thousand, as a rule, the gain is tax-exempt.
If you exceed that limit, you’ll need to calculate whether there was a profit and, if there is a gain, taxes may be due. VERY COMPLEX BUREAUCRACY.
Another important point:
Having more than R$ 35 thousand accumulated in crypto does not mean you exceeded the limit.
Accumulated balance is ASSETS (PATRIMONY).
The limit looks at what was SOLD, EXCHANGED, or DISPOSED during the month.
For those who invest like I do—buying little by little/in installments and selling WITHIN the monthly limit—the rule becomes very simple.
However, even below the limit, I still consider it important to keep records and declare your assets correctly in the annual Income Tax return.
The series continues, because there are still other simple but important points that need to be understood without turning everything into more complexity.
BUYING DOESN’T COUNT.
SELLING AND EXCHANGING, YES.
That was one of my main doubts:
If I BUY crypto every month, do these purchases count toward the limit of R$ 35 thousand?
NO, THEY DON’T. THEY DON’T!!!
Buying crypto to accumulate doesn’t fall under this tax limit, because the purchase does not represent realizing a profit.
The care starts when there is a disposal, such as:
* selling crypto;
* exchanging one coin for another;
* converting to stablecoins;
* using crypto as payment.
To know if you exceeded the limit, you need to add up all disposals made during the month.
It doesn’t matter if there were several small sales.
It also doesn’t matter if they were different coins.
If I sell Bitcoin, exchange XRP for USDT, and sell another altcoin in the same month, I need to observe the total value of ALL those operations ADDED TOGETHER.
If the total disposed during the month is up to R$ 35 thousand, as a rule, the gain is tax-exempt.
If you exceed that limit, you’ll need to calculate whether there was a profit and, if there is a gain, taxes may be due. VERY COMPLEX BUREAUCRACY.
Another important point:
Having more than R$ 35 thousand accumulated in crypto does not mean you exceeded the limit.
Accumulated balance is ASSETS (PATRIMONY).
The limit looks at what was SOLD, EXCHANGED, or DISPOSED during the month.
For those who invest like I do—buying little by little/in installments and selling WITHIN the monthly limit—the rule becomes very simple.
However, even below the limit, I still consider it important to keep records and declare your assets correctly in the annual Income Tax return.
The series continues, because there are still other simple but important points that need to be understood without turning everything into more complexity.
CRYPTOFACIL
·
--
DECRIPTO: WHO REPORTS TO THE IRS—YOU OR THE BROKER?
That was one of the first questions I had when I learned about the new rule:
Do I need to report all my transactions every month, or will the broker do it?
For anyone trading through a platform required to provide information to the IRS, such as BINANCE, the reporting will be done by the broker itself.
Brazilian exchanges already had this obligation.
With DeCripto, reporting also begins to reach foreign providers that serve users in Brazil, according to the rules established by the Federal Revenue Service.
In the case of Binance, the company itself stated that, starting on 01 July 2026, it will begin reporting users’ transactions monthly under the new standard.
So, for anyone who buys and sells within Binance, the main change is not having to fill out a new monthly declaration—it’s understanding that the PLATFORM ITSELF will send this information to the IRS.
However, there is one situation where the investor needs to be more careful.
If they make more than R$ 35 thousand in the month in OPERATIONS OUTSIDE of a broker or platform required to report, they may have to provide that information directly to the IRS.
But pay attention:
REPORTING transactions is not the same as PAYING TAXES.
The broker may report your movements, but the investor remains responsible for:
* correctly declaring your crypto assets on your annual Income Tax return;
* keeping statements;
* tracking sales and exchanges;
* calculating any tax that may be due, if applicable.
For those of us who invest the way I do—seeking more convenience and simplicity, buying little by little in installments, accumulating, and trading within the broker—the main message is SIMPLE:
You probably WON’T have a new monthly declaration to fill out.
But your transactions will become increasingly more VISIBILE to the IRS.
And since this topic still raises many questions, I’ll keep publishing a few more posts, explaining key points of this new rule in a simple and practical way.
That was one of the first questions I had when I learned about the new rule:
Do I need to report all my transactions every month, or will the broker do it?
For anyone trading through a platform required to provide information to the IRS, such as BINANCE, the reporting will be done by the broker itself.
Brazilian exchanges already had this obligation.
With DeCripto, reporting also begins to reach foreign providers that serve users in Brazil, according to the rules established by the Federal Revenue Service.
In the case of Binance, the company itself stated that, starting on 01 July 2026, it will begin reporting users’ transactions monthly under the new standard.
So, for anyone who buys and sells within Binance, the main change is not having to fill out a new monthly declaration—it’s understanding that the PLATFORM ITSELF will send this information to the IRS.
However, there is one situation where the investor needs to be more careful.
If they make more than R$ 35 thousand in the month in OPERATIONS OUTSIDE of a broker or platform required to report, they may have to provide that information directly to the IRS.
But pay attention:
REPORTING transactions is not the same as PAYING TAXES.
The broker may report your movements, but the investor remains responsible for:
* correctly declaring your crypto assets on your annual Income Tax return;
* keeping statements;
* tracking sales and exchanges;
* calculating any tax that may be due, if applicable.
For those of us who invest the way I do—seeking more convenience and simplicity, buying little by little in installments, accumulating, and trading within the broker—the main message is SIMPLE:
You probably WON’T have a new monthly declaration to fill out.
But your transactions will become increasingly more VISIBILE to the IRS.
And since this topic still raises many questions, I’ll keep publishing a few more posts, explaining key points of this new rule in a simple and practical way.
DECRIPTO: WHO REPORTS TO THE IRS—YOU OR THE BROKER?
That was one of the first questions I had when I learned about the new rule:
Do I need to report all my transactions every month, or will the broker do it?
For anyone trading through a platform required to provide information to the IRS, such as BINANCE, the reporting will be done by the broker itself.
Brazilian exchanges already had this obligation.
With DeCripto, reporting also begins to reach foreign providers that serve users in Brazil, according to the rules established by the Federal Revenue Service.
In the case of Binance, the company itself stated that, starting on 01 July 2026, it will begin reporting users’ transactions monthly under the new standard.
So, for anyone who buys and sells within Binance, the main change is not having to fill out a new monthly declaration—it’s understanding that the PLATFORM ITSELF will send this information to the IRS.
However, there is one situation where the investor needs to be more careful.
If they make more than R$ 35 thousand in the month in OPERATIONS OUTSIDE of a broker or platform required to report, they may have to provide that information directly to the IRS.
But pay attention:
REPORTING transactions is not the same as PAYING TAXES.
The broker may report your movements, but the investor remains responsible for:
* correctly declaring your crypto assets on your annual Income Tax return;
* keeping statements;
* tracking sales and exchanges;
* calculating any tax that may be due, if applicable.
For those of us who invest the way I do—seeking more convenience and simplicity, buying little by little in installments, accumulating, and trading within the broker—the main message is SIMPLE:
You probably WON’T have a new monthly declaration to fill out.
But your transactions will become increasingly more VISIBILE to the IRS.
And since this topic still raises many questions, I’ll keep publishing a few more posts, explaining key points of this new rule in a simple and practical way.
That was one of the first questions I had when I learned about the new rule:
Do I need to report all my transactions every month, or will the broker do it?
For anyone trading through a platform required to provide information to the IRS, such as BINANCE, the reporting will be done by the broker itself.
Brazilian exchanges already had this obligation.
With DeCripto, reporting also begins to reach foreign providers that serve users in Brazil, according to the rules established by the Federal Revenue Service.
In the case of Binance, the company itself stated that, starting on 01 July 2026, it will begin reporting users’ transactions monthly under the new standard.
So, for anyone who buys and sells within Binance, the main change is not having to fill out a new monthly declaration—it’s understanding that the PLATFORM ITSELF will send this information to the IRS.
However, there is one situation where the investor needs to be more careful.
If they make more than R$ 35 thousand in the month in OPERATIONS OUTSIDE of a broker or platform required to report, they may have to provide that information directly to the IRS.
But pay attention:
REPORTING transactions is not the same as PAYING TAXES.
The broker may report your movements, but the investor remains responsible for:
* correctly declaring your crypto assets on your annual Income Tax return;
* keeping statements;
* tracking sales and exchanges;
* calculating any tax that may be due, if applicable.
For those of us who invest the way I do—seeking more convenience and simplicity, buying little by little in installments, accumulating, and trading within the broker—the main message is SIMPLE:
You probably WON’T have a new monthly declaration to fill out.
But your transactions will become increasingly more VISIBILE to the IRS.
And since this topic still raises many questions, I’ll keep publishing a few more posts, explaining key points of this new rule in a simple and practical way.
CRYPTOFACIL
·
--
DECRYPT: WHAT CHANGES FOR PEOPLE WHO BUY CRYPTO IN SMALL AMOUNTS?
This post is for anyone who invests in crypto in a simple way:
buy little by little, accumulate, and usually doesn’t move more than R$ 35 thousand per month.
If that’s your situation, the new IRS/Federal Revenue rule is NOT a reason for PANIC.
But it needs to be understood.
Starting in July/26, a new way of reporting cryptoassets to the Federal Revenue (Receita Federal) goes into effect: DeCripto.
It was created by IN RFB No. 2.291/2025 and replaces the former IN 1888, which has been the rule used since 2019 to report crypto transactions.
In practice, the new rule organizes and expands the sending of data by cryptoasset service providers, such as BROKERS and exchanges that serve users in Brazil, like BINANCE.
Under the old rule, the limit for the investor was R$ 30 thousand in transactions during the month.
Now, with DeCripto, that limit increases to R$ 35 thousand per month. Remember that purchases do not count toward the limit. What counts are disposals during the month, such as selling, exchanging, or swapping.
IMPORTANT POINT:
Having more than R$ 35 thousand invested in crypto is NOT the same as moving more than R$ 35 thousand in a month.
Accumulated balance is one thing.
Monthly movement is another.
IMPORTANT to separate:
Reporting information is not the same thing as taxes owed.
BUYING crypto in small amounts does NOT automatically generate taxes owed.
But… the ideal is to keep the broker/exchange statements—monthly or yearly—so you can correctly declare your crypto assets for the Annual Income Tax, when applicable.
This isn’t a reason to panic.
It’s a reason to organize.
Crypto is increasingly coming onto the radar of traditional tax authorities.
And anyone who invests little by little and in small amounts, LIKE ME, needs to understand the basics—without making it more complicated than necessary.
In the next posts, I’ll explain in a SIMPLE way some related topics:
… I have more than R$ 35 thousand in crypto. Do I need to declare every month?
… Who reports: me or the exchange/broker?
…. Does selling below R$ 35 thousand pay tax?
… How to keep track without writing down every small purchase?
…. Etc
This post is for anyone who invests in crypto in a simple way:
buy little by little, accumulate, and usually doesn’t move more than R$ 35 thousand per month.
If that’s your situation, the new IRS/Federal Revenue rule is NOT a reason for PANIC.
But it needs to be understood.
Starting in July/26, a new way of reporting cryptoassets to the Federal Revenue (Receita Federal) goes into effect: DeCripto.
It was created by IN RFB No. 2.291/2025 and replaces the former IN 1888, which has been the rule used since 2019 to report crypto transactions.
In practice, the new rule organizes and expands the sending of data by cryptoasset service providers, such as BROKERS and exchanges that serve users in Brazil, like BINANCE.
Under the old rule, the limit for the investor was R$ 30 thousand in transactions during the month.
Now, with DeCripto, that limit increases to R$ 35 thousand per month. Remember that purchases do not count toward the limit. What counts are disposals during the month, such as selling, exchanging, or swapping.
IMPORTANT POINT:
Having more than R$ 35 thousand invested in crypto is NOT the same as moving more than R$ 35 thousand in a month.
Accumulated balance is one thing.
Monthly movement is another.
IMPORTANT to separate:
Reporting information is not the same thing as taxes owed.
BUYING crypto in small amounts does NOT automatically generate taxes owed.
But… the ideal is to keep the broker/exchange statements—monthly or yearly—so you can correctly declare your crypto assets for the Annual Income Tax, when applicable.
This isn’t a reason to panic.
It’s a reason to organize.
Crypto is increasingly coming onto the radar of traditional tax authorities.
And anyone who invests little by little and in small amounts, LIKE ME, needs to understand the basics—without making it more complicated than necessary.
In the next posts, I’ll explain in a SIMPLE way some related topics:
… I have more than R$ 35 thousand in crypto. Do I need to declare every month?
… Who reports: me or the exchange/broker?
…. Does selling below R$ 35 thousand pay tax?
… How to keep track without writing down every small purchase?
…. Etc
DECRYPT: WHAT CHANGES FOR PEOPLE WHO BUY CRYPTO IN SMALL AMOUNTS?
This post is for anyone who invests in crypto in a simple way:
buy little by little, accumulate, and usually doesn’t move more than R$ 35 thousand per month.
If that’s your situation, the new IRS/Federal Revenue rule is NOT a reason for PANIC.
But it needs to be understood.
Starting in July/26, a new way of reporting cryptoassets to the Federal Revenue (Receita Federal) goes into effect: DeCripto.
It was created by IN RFB No. 2.291/2025 and replaces the former IN 1888, which has been the rule used since 2019 to report crypto transactions.
In practice, the new rule organizes and expands the sending of data by cryptoasset service providers, such as BROKERS and exchanges that serve users in Brazil, like BINANCE.
Under the old rule, the limit for the investor was R$ 30 thousand in transactions during the month.
Now, with DeCripto, that limit increases to R$ 35 thousand per month. Remember that purchases do not count toward the limit. What counts are disposals during the month, such as selling, exchanging, or swapping.
IMPORTANT POINT:
Having more than R$ 35 thousand invested in crypto is NOT the same as moving more than R$ 35 thousand in a month.
Accumulated balance is one thing.
Monthly movement is another.
IMPORTANT to separate:
Reporting information is not the same thing as taxes owed.
BUYING crypto in small amounts does NOT automatically generate taxes owed.
But… the ideal is to keep the broker/exchange statements—monthly or yearly—so you can correctly declare your crypto assets for the Annual Income Tax, when applicable.
This isn’t a reason to panic.
It’s a reason to organize.
Crypto is increasingly coming onto the radar of traditional tax authorities.
And anyone who invests little by little and in small amounts, LIKE ME, needs to understand the basics—without making it more complicated than necessary.
In the next posts, I’ll explain in a SIMPLE way some related topics:
… I have more than R$ 35 thousand in crypto. Do I need to declare every month?
… Who reports: me or the exchange/broker?
…. Does selling below R$ 35 thousand pay tax?
… How to keep track without writing down every small purchase?
…. Etc
This post is for anyone who invests in crypto in a simple way:
buy little by little, accumulate, and usually doesn’t move more than R$ 35 thousand per month.
If that’s your situation, the new IRS/Federal Revenue rule is NOT a reason for PANIC.
But it needs to be understood.
Starting in July/26, a new way of reporting cryptoassets to the Federal Revenue (Receita Federal) goes into effect: DeCripto.
It was created by IN RFB No. 2.291/2025 and replaces the former IN 1888, which has been the rule used since 2019 to report crypto transactions.
In practice, the new rule organizes and expands the sending of data by cryptoasset service providers, such as BROKERS and exchanges that serve users in Brazil, like BINANCE.
Under the old rule, the limit for the investor was R$ 30 thousand in transactions during the month.
Now, with DeCripto, that limit increases to R$ 35 thousand per month. Remember that purchases do not count toward the limit. What counts are disposals during the month, such as selling, exchanging, or swapping.
IMPORTANT POINT:
Having more than R$ 35 thousand invested in crypto is NOT the same as moving more than R$ 35 thousand in a month.
Accumulated balance is one thing.
Monthly movement is another.
IMPORTANT to separate:
Reporting information is not the same thing as taxes owed.
BUYING crypto in small amounts does NOT automatically generate taxes owed.
But… the ideal is to keep the broker/exchange statements—monthly or yearly—so you can correctly declare your crypto assets for the Annual Income Tax, when applicable.
This isn’t a reason to panic.
It’s a reason to organize.
Crypto is increasingly coming onto the radar of traditional tax authorities.
And anyone who invests little by little and in small amounts, LIKE ME, needs to understand the basics—without making it more complicated than necessary.
In the next posts, I’ll explain in a SIMPLE way some related topics:
… I have more than R$ 35 thousand in crypto. Do I need to declare every month?
… Who reports: me or the exchange/broker?
…. Does selling below R$ 35 thousand pay tax?
… How to keep track without writing down every small purchase?
…. Etc
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