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Stablecoins and VASPs in the Integration of the Brazilian Financial System
By Guilherme Bissoli, Managing Partner, Coins.xyz Brazil In 2025, the big question in the Brazilian crypto market was almost existential: Will VASP licenses actually be issued, or is this all just a regulatory experiment? There was legal uncertainty, regulatory apprehension, concerns about the cost of capital, and little consensus around the role of exchanges within the financial system. By the end of the year, however, the scenario looked very different. The Central Bank not only confirmed the VASP regime but also elevated exchanges and digital asset infrastructure to the category of critical financial infrastructure, imposing governance, capital, cybersecurity, and risk management requirements comparable to those of traditional financial institutions. At the same time, the global market sent a clear signal: the crypto venture capital cycle resumed growth, and the most consistent investments were not in meme coins, but in infrastructure and stablecoins. It is precisely at the intersection of Brazil, stablecoins, and VASPs (Virtual Asset Service Providers) that the frontier of money in 2026 becomes tangible. 2025: The Year the Frontier Became Visible In retrospect, 2025 was the year in which the frontier of money ceased to be theoretical and became visible. Globally, regulatory regimes matured — MiCA in Europe, advances in Hong Kong, Singapore, and the United Arab Emirates — while traditional banks began testing their own tokenized issuances backed by strong fiat currencies. Stablecoin volumes reached record highs, rivaling global card networks. In Brazil, the Central Bank consolidated the regulatory framework for VASPs. The market began to price in the real cost of operating crypto infrastructure under regulatory supervision, and institutional investors started evaluating exchanges and infrastructure providers with the same lens used for regulated fintechs. If 2024 was the post-winter recovery year and 2025 the year of doubt, the period ended with a clear conclusion: crypto and stablecoins will not return to the margins of the financial system. They have been pulled into the center — along with all the responsibilities that position implies. When money becomes software, whoever builds and operates the settlement rails controls a significant share of the financial future. 2026: The Consolidation of Stablecoins as Monetary Layer 1 Looking ahead to 2026, the shift in focus becomes clear. Stablecoins move beyond being mere trading tools and consolidate as the monetary Layer 1 of the digital economy. In practice, they deliver three functions the traditional financial system has never been able to combine simultaneously: 1. Global means of payment — 24/7 availability, near-instant settlement, and low marginal cost. 2. Stable unit of account for the internet — essential for contracts, digital services, games, creators, freelancers, and global businesses that require nominal predictability. 3. Programmable infrastructure — money with APIs, integrable with software, protocols, autonomous agents, and new foreign-exchange arrangements. If the real, the dollar, and the euro are currencies, stablecoins are the transport layer — the road network through which value increasingly circulates. This explains why Web3 venture capital has been concentrating on stablecoin issuers, crypto-native banks, custodians, compliance layers, and liquidity infrastructure. Sophisticated investors have stopped betting solely on asset prices and have started betting on the infrastructure that makes these assets usable at scale. The Role of VASPS at the Money Frontier In this context, the Brazilian Central Bank’s approach is more strategic than it might initially appear. By requiring VASPs to adopt cybersecurity standards comparable to financial institutions, prudential controls, structured risk management, strict AML/CFT policies, and minimum governance requirements for managers and administrators, the regulator is doing more than simply “regulating crypto.” It is institutionalizing the interface between global stablecoin infrastructure and the domestic real economy. In practice, a regulated VASP becomes: - the gateway between the Brazilian real and global digital assets, - the translator between local regulation (Central Bank, Federal Revenue Service, COAF) and a borderless financial infrastructure, and - the guardian of the end-user experience, which must be simple yet secure. VASPs cease to be seen merely as crypto exchanges and assume the role of invisible banks of the digital economy, operating at the frontier between traditional finance and decentralized systems. Brazil as a Laboratory for a New Monetary Layer Brazil holds three structural advantages in navigating this frontier: 1. A technically sophisticated Central Bank with a proven track record in building and operating large-scale payment infrastructure (SPB, Pix). 2. A regulatory framework designed to integrate digital assets rather than push them into a regulatory vacuum. 3. A real economy that disproportionately benefits from cheap global rails — exporters, freelancers, creators, technology companies, tourism, remittances, and the gaming economy. This opens the door to very concrete use cases in 2026: remote workers receiving part of their income in stablecoins; compliant conversion to Brazilian reais via regulated VASPs; frictionless bill payments through Pix; and companies using stablecoins to manage multi-currency cash positions or pay global suppliers. For the user, the experience may still feel like a simple wallet balance. From an architectural perspective, however, it is evident that money has already become software. Perspective: Whoever Controls the Rails Controls the Flow Looking toward 2026, the central thesis is straightforward. Stablecoins are consolidating as the functional monetary layer of the digital economy. Regulated VASPs are establishing themselves as critical infrastructure, connecting this layer to the real world. Investors and entrepreneurs who understand this frontier early will compete not only for customers, but for a strategic position within an entirely new layer of the financial system. The frontier of money is no longer an academic hypothesis. It is the space where Brazil stands today — defining which rails will prevail, who will be able to operate them, and how value will circulate between the traditional economy, the crypto economy, and the purely digital economy. In 2025, we saw this frontier emerge. In 2026, we will begin to discover who is truly ready to operate within it.
A Year of Building: Our Commitment to the Philippines and Beyond
To our Coins.ph community, As 2025 comes to a close, I am filled with immense pride and gratitude for what we have built together. This year, the global digital asset industry continued its journey from a period of uncertainty towards a new foundation defined by utility, transparency, and real-world value. At Coins.ph, we didn't just navigate this shift—we helped lead it. For over a decade, our mission has been clear: to build a premier financial superapp for the Philippines and beyond. This year, that vision came into sharper focus more than ever. Our overarching vision is to become the leading crypto-native fintech in the emerging markets. We have evolved from a trading platform to an essential, integrated part of our users' daily financial lives. In a dynamic market, our focus remained unwavering: to build resilient, useful, and trusted products that solve real problems. Our core objective is to lower friction and increase access for retail users and businesses in the real world. We serve these customers by building the best fiat-crypto infrastructure in emerging markets via licensing, technology, and liquidity. True progress is measured not by promises, but by tangible execution. In 2025, our team of over 400 professionals across the globe delivered exceptional results that underscore our growing utility and trust: 1. Explosive Growth in Everyday Finance: Our platform's role in daily transactions saw unprecedented adoption. Total fiat transaction volume grew by 283% year-to-date. This is a signal that millions are choosing Coins.ph as their go-to wallet for life's essentials. 2. Crypto for Utility, Not Speculation: While markets fluctuated, adoption for practical use cases deepened. Total crypto trading volume grew 20%, fueled significantly by the use of stablecoins for faster and cheaper remittances. Our stablecoin deposits grew by 64%, reflecting a clear user shift towards assets designed for stability and real-world transfer of value. 3. A Growing, Global Community: We are now proud to serve 18.6 million registered users across our markets—a community that grows stronger every day. Our impressive growth is underpinned by key strategic advantages: A. Pioneering Regulatory Footprint: With crucial licensing in the Philippines (VASP, EMI, FX/remittance), Coins.ph is positioned as one of the few players with a fully compliant fiat-stablecoin infrastructure. We are actively fast-tracking further license acquisitions to expand this advantage. B. Dominant Position in a $100 Billion Remittance Corridor: Coins.ph owns 75-80% of peso-to-stablecoin liquidity and is deeply embedded in the Philippines, one of the world’s largest retail and business remittance markets. This is fueling a fast-growing cross-border payments opportunity from Brazil, Nigeria, and other Global South locations. C. Repeatable Go-To-Market (GTM) Model: Our repeatable GTM model is built on a globally scalable tech stack, allowing us to replicate our success with capital efficiency. Following our deep roots in the Philippines, we plan to launch in Latin America, Africa, and Europe using a proven localized playbook. Each new licensed market will become a local fiat-stablecoin hub, enabling 24/7 settlement and programmable payments. D. Enterprise-Retail Flywheel: Our enterprise-retail flywheel creates a powerful, self-reinforcing ecosystem. The engagement and liquidity from our retail base attract enterprise clients seeking efficient, high-volume payment solutions. In turn, the stability and transaction depth provided by these enterprise partnerships enhance the utility, reliability, and overall experience for every retail user. This virtuous cycle is powered by our unified wallet, exchange, and payout platform. The Pillars of Our Progress: Innovation, Compliance, and Trust Our achievements this year are built on three core pillars that define our approach: practical innovation, proactive compliance, and earned trust. 1. Strategic Expansion and Product Innovation We expanded our global footprint with hubs in Brazil, Thailand, Australia, Mauritius, Nigeria, and the EU through Coins.xyz. This isn't just geographical growth; it's a talent and innovation network fueling our core. This global engine powered the launch of critical B2B solutions: A. Coins WebPay: Allowing merchants to integrate our wallet for instant, secure checkout. B. The Business Portal: Giving enterprises a unified dashboard to manage crypto and payments at scale. These tools are bridging the gap between digital assets and everyday commerce, today. 2. Regulatory Leadership as a Foundation for Trust In the wake of past industry failures, transparency and proactive compliance are non-negotiable. We believe regulation, when done right, protects users and enables responsible innovation. This year, we made landmark progress: A. We successfully submitted and exited the BSP Regulatory Sandbox for PHPC, our Philippine Peso-pegged stablecoin. This milestone validates PHPC's robustness, security, and compliance—paving the way for it to become a core engine for the future digital peso economy. B. To safeguard our community, we formalized our partnership with the Philippine National Police Anti-Cybercrime Group, by signing a Memorandum of Agreement, enhancing our collective efforts to ensure a secure digital environment. 3. Forging Alliances That Extend Utility No company builds the future alone. Our strategic partnerships are designed to multiply our users' access and power: A. Through partners like Hashkey and BCRemit to name a few, we’ve enhanced global remittance corridors, making cross-border finance seamless. B. Most excitingly, our strategic partnership with Ronin (subject to regulatory approvals) will connect Web3 to mainstream commerce. It aims to allow Ronin Wallet holders to use PHPC across over 600,000 QRPH-enabled merchants in the Philippines, truly bridging digital assets with the real economy. 2026 and Beyond: The Year of Utility and Scale Looking ahead, I see 2026 as the year where vision meets execution at scale. The industry's focus will irrevocably shift from speculation to utility, and Coins.ph is positioned at the forefront. Our roadmap is clear: 1. Mainstreaming PHPC: The full-scale rollout of our regulated stablecoin, PHPC, is our top priority. It is the key to unlocking a digital peso economy that reduces cost and friction for millions, from domestic payments to overseas remittances. 2. Strategic Global Expansion: Building on our momentum, we will enter new markets in Africa and Latin America, exporting our model of accessible, utility-driven digital finance. 3. Investing in Education and Community: We will launch the Bitcoin College Builder Program, strengthen our Coins Ambassador Program, and partner with Polkadot on a nationwide stablecoin education drive. An informed community is an empowered community. A Final Word of Confidence The path of innovation is never without challenges or external noise. Yet, my confidence in our team, our mission, and the undeniable utility of what we are building has never been stronger. Coins.ph was built for resilience and purpose. We are not merely participants in the financial evolution of the Philippines and emerging markets; we are committed builders of its infrastructure. Thank you for your trust, and for being part of this journey. Here's to a 2026 defined by building, utility, and shared growth. Sincerely, Wei Zhou Chief Executive Officer Coins.ph
USDT Raffle Royale is Back! Win a Share of ₱265,000!
Missed the first wave of our raffle? Here's your chance to join the next one! This round is bigger and bolder, featuring the highest prize pool to date! Promo Period: December 22, 2025 – January 20, 2026 How to Join 1. To qualify, you must make a minimum net deposit of 500 $USDT using The Open Network (TON). 2. Your rewards are directly tied to the total amount you deposit during the promotional period. 3. Deposit more to increase your share of the rewards! Monthly Prize Pool: PHP265,000 Top Trader Bonus (Guaranteed): Rewarding the three users with the highest Net Deposits during the promo period. WinnersPrize1st Place₱20,0002nd Place₱12,0003rd Place₱8,000 Raffle Prizes (Random Draw): All users who reach the minimum Net Deposit of 500 $USDT automatically qualify for the raffle draw. Number of WinnersPrize10 Winner₱5,000 each15 Winner₱3,000 each20 Winner₱2,000 each30 Winner₱1,500 each40 Winner₱1,000 each Crediting Date: “All the rewards will be fully distributed on Jan 9, 2025 ”Terms and Conditions: 1. The promo is open to Coins.ph users based in the Philippines who are 18 years or older with an Identity Verified account. 2. Both buy and sell on Coins Convert will be tallied. 3. Rewards will be disbursed to users’ accounts and are non-transferable and must be accepted as awarded. 4. Winners will be notified via email within ten (10) working days after the end of the promo period. 5. Rewards will be credited to the winners’ Coins.ph wallet within fifteen (14) working days after the end of the promo period. 6. Any disputes concerning the conduct of this Promotion will be resolved by Coins.ph at its sole discretion. 7. By participating in this Promotion, participants agree to abide by these Terms and Conditions. 8. Coins.ph reserves the rights to disqualify and exclude users who are involved in any dishonest or fraudulent behaviors (i.e wash trading, illegally bulk registered accounts, market manipulation). 9. Coins.ph reserves the right to amend these Terms and Conditions, including but not limited to the eligibility criteria, program period, and reward distribution, at its sole discretion.
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