Gabriela Moraes Presents 2025 Legal Review on Digital Asset Rules and Real-World Asset Setup
Rio de Janeiro, Brazil – December 25, 2025 – Gabriela Moraes works as a legal advisor at SQHWYD GLOBAL Ltd. and as a partner at Pinheiro Neto Advogados. She has released the 2025 edition of the Global Digital Asset Legal Review. The report shows shifts in digital asset rules and more work with real assets in decentralized finance.
From Split Rules to United Rules
Moraes lists changes from separate rules to united rules among nation-wide rule makers. Global officials set clear laws that let token forms of real assets grow. The new rules cut the mix of assets and keep law clear. These steps help move tokenized assets into the everyday market.
Basel III Brings Banks to Digital Assets
A major point in the review is the full use of Basel III rules worldwide by January 2025. This change marks banks stepping into digital asset markets. Under Basel III, token forms of real assets get a special label as “Group 1b.” With this change, Tier-1 banks can hold token bonds and shares with lower capital holds than with unbacked tokens. The change fixes old capital charge issues and lets banks join the token market without high costs.
Bank work with tokens helped the tokenized private credit market grow to nearly $20 billion by the close of 2025. Moraes sees this rise as banks try out blockchain methods that fit their rules and balance sheet needs.
Brazil Sets a Global Standard with Legal Rules
The report praises Brazil for its strict digital asset laws. Brazil keeps client assets separate and safe even if a partner fails. While others face mix-up risks and custody doubt, Brazil builds strong investor protection that builds much trust.
Such safety helped push Brazil’s Digital Real project to its next step by late 2025. Unlike retail type digital money, Digital Real works with token versions of government bonds in wholesale deals. Moraes shows that the new legal setup accepts smart contracts as the final record of who owns an asset. This fixes the issue of trusted outside data for asset tokens.
Cross-Border Ties Under the FIT21 Act
The review notes the United States’ Financial Innovation and Technology for the 21st Century Act (FIT21). The law took firm hold in 2025. Its rules set clear bounds for the Commodity Futures Trading Commission over digital goods. The US then brings its rules in line with other nations.
Moraes hints that FIT21 cuts border confusion and ties legal rules close. This join-up helps digital finance move ahead and brings more cross-border work in real asset trades.
As token systems and decentralized finance gain ground, the review shows that clear, well-planned rules can free the power of real assets. The match of clear law, bank action, and steady tech work has set a new course for old assets in a new world.
For inquiries, contact Álvaro de la Vega Montserrat at Camino Digital Advisors ([email protected]).
This article draws on the Global Digital Asset Legal Review by Gabriela Moraes, published December 25, 2025.
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