How to protect your wealth and freedom in an increasingly regulated environment

By Carolluba

📍 What's happening?

Last night, Provisional Measure 1.303/2025 was signed, which drastically changes the landscape for investors in crypto assets in Brazil. Effective immediately, the measure:

• Eliminates the exemption from income tax on capital gains with crypto up to R$ 35,000 per month;

• Determines the taxation of operations with cryptocurrencies in self-custody (i.e., outside regulated exchanges in Brazil).

In practice, the government is scrutinizing one of the last bastions of financial freedom: the decentralized and sovereign use of cryptos.

💣 Why does this matter?

Self-custody is one of the central pillars of Bitcoin and decentralized finance (DeFi). It ensures that you are the true owner of your money, without relying on banks, governments, or centralized exchanges.

By taxing these operations, the government is not only seeking revenue: it is trying to curb the movement of decentralization, which threatens the state monopoly over the financial system.

💡 What can you do now?

Smart strategies to protect your capital and your freedom:

1. Study international legal structures

Several countries have clearer and more friendly rules for crypto investors. Examples:

• Portugal: still offers exemptions for individuals on many operations.

• El Salvador: made Bitcoin official currency and is pro-innovation.

• United Arab Emirates and Switzerland: they are friendly regulatory hubs for crypto companies.

➡️ International tax planning is not tax evasion – it is strategic intelligence.

2. Use decentralized exchanges (DEXs) wisely

DEXs like Uniswap, PancakeSwap, or Thorchain allow operations without KYC (in some cases). However, be cautious:

• With the new MP, operations above R$ 35,000 need to be declared, even if conducted peer-to-peer.

• Use non-custodial wallets with good privacy levels, such as Sparrow, Wasabi, or Samourai.

3. Invest in financial and tax education

Now more than ever, you need to:

• Understand how the income tax criteria on crypto work;

• Use tracking and calculation tools like CoinTracking or Koinly;

• Maintain an accountant or tax consultant specialized in crypto.

4. Consider asset tokenization abroad

A growing trend is to transform real assets (such as real estate, gold, royalties) into tradable tokens on the blockchain, and many of these tokens are issued in jurisdictions that protect the investor.

➡️ This allows for diversification with more security and less exposure to local regulation.

5. Get politically engaged and push for fair regulations

Regulation is necessary, but it needs to be fair, technical, and pro-innovation.

Organizations like ABcripto and companies in the sector need popular support to advocate for clear and balanced rules.

🚀 Conclusion: the game has changed – and only the prepared will win

If you believe that crypto is just a speculative investment, this MP may scare you. But if you understand that we are talking about financial freedom, sovereignty, and decentralization, then this is a call to action.

The government can tax, but it cannot prevent:

• Decentralization,

• Self-custody,

• Global innovation.

Those who study, plan, and act intelligently remain sovereign, even in difficult times.

🧠 Final tip:

“Don't fight against the system – understand it, andsurpass its boundaries.”

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