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CBD: discover this investment opportunity!

CDB is the most popular among the fixed income investments currently on the market and some of its characteristics make it a sought after option for investors who want to get out of savings and the tokenization of financial assets is also an attractive path for those who invest in CDB.

Research estimates that around 40% of Brazilian investors invest in CBD. Undoubtedly, it is a product that combines satisfactory profitability and low risk for the conservative investor.

The strengthening of the investor mentality and the simpler profile of the product made CDB the gateway for those who want to start investing but do not dominate the market or do not want to take high risks.

But after all these years and with the arrival of investment tokens, is the investment in CDB still the best choice? Are there no financial assets that can be more profitable and with the same level of risk? Is CDB still the best choice?

BLOCKBR, a native web 3.0 company, will talk all about CBD and show that it can still be a good choice, but there are other interesting ones too!


The Bank Deposit Certificate is a credit instrument signed between the investor and the bank, which assumes a debt with the promise of future payment of a pre-defined remuneration. As we can see, the CDB is a fixed income security.

With it, banks can raise funds in exchange for income and carry out their projects or offer capital in lines where it obtains more profitability, such as financing and loans.

It is usually an investment where people who want to earn more go and start their life as an investor and leave the savings account.

In the universe of fixed income securities, the CDB is similar to the Direct Treasury, an application given by the federal government and the debentures, offered by companies and all with one objective: the capitalization of their operations.


  • The form of remuneration is pre-defined at the time of hiring;
  • The term is also closed, it can be a short-term CDB (between 6 and 12 months), medium-term (between 12 and 36 months) or a long-term CDB (above 36 months);
  • It can be a pre-fixed CDB (linked to a fixed rate), a post-fixed CDB (linked to a financial index such as the IPCA) or a hybrid CDB (the combination of a fixed rate with an index such as, for example, the IPCA plus 4% per year).

Like any investment product, there are negative and positive points of the CBD that we should know before investing. Let’s talk about them.

CVM regulation: what impact does it have on tokenization?



The CDB is covered by the FGC (Credit Guarantee Fund) up to a limit of R$250,000, which reduces the risk in case the institution goes bankrupt.


Many CDB securities yield above 100% of the CDI, which is an attractive return. And in CDB with post-fixed rate, there is the possibility of greater gain in a scenario of high interest rates. On the other hand, monetary policies can negatively impact the return on investment in this case.


The CDB has liquidity that varies depending on the type of security that is contracted and will vary between immediate liquidity or only upon maturity of the security. In addition, there is a price for daily redemptions: the IR, which can be 22.5% on short-term redemptions and the IOF on redemptions of up to 30 days.


The CDB is a good product for balancing investment portfolios largely concentrated in medium and high risk assets – stocks, cryptocurrencies, FIDC and futures contracts.


The minimum initial value is still a barrier for many medium and small investors, leaving them out of the capital market – which does not happen with the application in tokens, where fractions allow investing with little capital.

CDB or investment tokens?



We can start by saying that a savings account is not an investment. Based on this premise, the post-fixed CDB offers better results. In addition, savings do not have immediate liquidity, unless the investor agrees to lose all income on the next birthday.


If we consider a CDB that yields 100% of the CDI and the Treasury Selic, which yields linked to the Selic Over rate, both are 0.1 percentage points below the Selic Target and, therefore, tend to offer the same return.

Liquidity in the Selic Treasury is immediate, which may not happen in the CDB. As for the risk, it is low in both cases. Even though with the government in the Direct Treasury it is the lowest in the market, the risk with some financial institutions is similar to that of the Treasury.


An alternative to CDB that delivers great results are fixed income tokens or receivables tokens.

The receivable token is an encrypted digital file that represents the rights to future receipts of a company, traded in exchange for remuneration to tokenists.

  • The fixed income token also remunerates in a post-defined or pre-defined way, according to the offer;
  • Negotiations are carried out through token sales platforms developed on blockchains, digital environments where everything is 100% electronic and decentralized – each computer on the network is a server and there is no central control;
  • All the conditions of the offer, the negotiations, the form of remuneration and its execution are executed by the smart contract – the digital document that controls everything without human interference.

Due to the nature of the tokenized asset, we see that companies of all sizes and sectors can offer tokens for future receipts.

They are an investment category very similar to the CDB in terms of risk, but with important advantages.

  • Absolute blockchain security;
  • Absence of intermediaries, which helps to reduce bureaucracy and supply costs;
  • Full availability; you can buy receivables tokens any day and time, as the platform works around the clock;
  • Fractionation of the loan portfolio into several tokens, which allows offers to be made at low values, attracting investors who do not overcome the entry barrier in CDBs.

As we have seen, fixed income tokens are a secure, more agile alternative, with high availability and great earnings.


Buying token is not complicated if you invest with someone who makes it easy! Just open an account at a qualified asset tokenization company like BLOCKBR and create a digital wallet to store your applications.

Access our token marketplace, learn about the most varied offers and choose the ones that align with your investor profile. And you can start investing in tokens with little, from 50 reais!

BLOCKBR Digital Assets is a native fintech web 3.0 that brings technological innovation and digital knowledge to transform physical assets into digital ones, in the tokenization process.

The supply of tokenized assets is democratic and decentralized, which makes the way of investing safe, simpler and more efficient.

We enable, structure, issue and offer tokens on our platform and beyond. Be aware that tokens depend on feasibility and regulatory factors.

Do you want to tokenize your business or part of it? Do you have a business solution and does it make sense to issue your own token ?

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