Binance Blog

Main TakeawaysBinance Online, Binance's first-ever online conference, brought together leading voices across crypto and finance for a four-hour livestream featuring 10 panels – generating more than 680,000 views on Binance Square.A star-studded speaker lineup included Binance Co-CEOs Yi He and Richard Teng, Binance Founder CZ, BlackRock COO Rob Goldstein, Ripple CEO Brad Garlinghouse, Solana Foundation President Lily Liu, Adam Back, Chamath Palihapitiya, Anthony Pompliano, and many more.If you missed the event, make sure to catch up on the replays on Binance Square!Binance Online, our first-ever global virtual event, took the industry's biggest conversations to communities around the world. Streamed live across Binance Square, YouTube, and X, it brought together some of the most recognized names in crypto and traditional finance for over four hours of programming – generating more than 680,000 views and nearly 65,000 chat replies from a global audience on Binance Square alone.Across 10 panels, speakers explored the biggest themes shaping the industry today. With AI emerging as a central narrative across sessions – from agentic finance and AI-powered research tools to the intersection of blockchain and frontier tech – the event also covered stablecoins, tokenization, Bitcoin, crypto payments, institutional adoption, and the convergence of crypto with traditional finance. Speakers included Binance Co-CEOs Yi He and Richard Teng, Binance Founder CZ, BlackRock COO Rob Goldstein, Ripple CEO Brad Garlinghouse, Solana Foundation President Lily Liu, Blockstream CEO Adam Back, YZi Labs Head Ella Zhang, Coin Bureau's Guy Turner and Nic Puckrin, and many more.Missed it? Here are the biggest moments from each session.Yi He & Richard Teng – 300 Million to 3 Billion: The Next Phase of BinanceBinance's two co-CEOs opened the event with the message that 300+ million users is just the starting line. Yi He traced the acceleration: the first 100 million users in five years, the next hundred million in two, the hundred after that in eighteen months – and framed the three-billion-user target as the natural next step for a platform evolving far beyond trading.The super app vision, as Yi He described it, is about building a single platform where anyone, including people who have never had a bank account, can pay, save, send, and invest.Richard Teng emphasized the broader importance of crypto in expanding access to financial services globally: "I travel the world, including to many frontier and emerging markets. And I see that even today, 1.4 billion people are excluded from financial services globally. Crypto is here to solve that problem. That's why we are very passionate about freedom of money globally."Teng also pointed to how much has changed behind the scenes: a rebuilt organizational structure, a compliance team now exceeding 1,600 employees and more than 20% of total headcount, and a deliberate push to become the world's most regulated exchange across more than 20 jurisdictions, with ADGM's FSRA serving as its home regulator.Both co-CEOs named AI as central to the path ahead – not only as a tool for professionals, but as a way to bring financial services to billions of people traditional finance has never reached.Lily Liu, Brad Garlinghouse & Richard Teng – The Evolution EraIn the next session, Richard Teng was joined by Lily Liu, President of the Solana Foundation, and Brad Garlinghouse, CEO of Ripple, to continue the discussion they first began together at Binance Blockchain Week 2025 in Dubai – this time focusing on how quickly the industry has evolved in just a few months around stablecoins, tokenization, regulation, and AI.The conversation opened on a striking number: $10.5 trillion in stablecoin transfers in January alone. For Teng, it illustrated the point that traditional financial infrastructure is "very archaic" by modern standards, and stablecoins are already proving what a globally accessible, near-instant alternative can look like.On traditional finance’s growing presence in crypto, Teng noted: "Competition from the likes of Morgan Stanley is a validation of how far crypto has come." Binance, he added, remains focused on the next billion users – the ones Wall Street isn't serving.The Clarity Act emerged as the session's most important near-term regulatory priority. Garlinghouse argued that a friendly administration isn't enough – large banks have leaned out because they can't be certain the next SEC chair won't reverse course. "With the Clarity Act, you'll see them leaning in in a way we've never seen before."Liu pushed the RWA conversation beyond tokenization. To her, getting existing assets on-chain is only the start, while the bigger opportunity is the entirely new markets blockchain makes possible: compute, energy, and capital formation for the countries that have no meaningful access to financial markets today.CZ, Chamath Palihapitiya & Anthony Pompliano – Where Smart Money Is Moving NowBinance Co-Founder CZ, venture capitalist Chamath Palihapitiya, and Anthony Pompliano, Founder and CEO of Professional Capital Management, came together for a discussion on where capital, AI, and crypto infrastructure are converging – and where some of the industry's biggest investors are focusing next.Palihapitiya argued that the most important AI opportunities over the next five years may be far more "physical" than most people expect, pointing to land, power, chips, data centers, and distributed compute as the infrastructure underpinning the entire AI economy. He also highlighted crypto-native distributed AI networks as one of the most interesting intersections between blockchain and artificial intelligence: "If you just look at the equity value that underpins just Anthropic and OpenAI, you're talking a few trillion dollars that cannot grow without tactical training and inference flops. If you are a purveyor of that, you're going to be a part of that economy."CZ echoed many of those themes, arguing that crypto infrastructure must become "agentic ready" for a future shaped by AI-driven commerce and machine-to-machine payments.He also brought the conversation back to financial access – stablecoins and tokenized equities are increasingly giving users in underserved markets access to dollars, capital markets, and investment opportunities that were previously out of reach.Pompliano closed by arguing that the distinction between crypto and traditional finance is already disappearing: "In the future, there's no Web3 versus traditional finance. It's just finance companies. Blockchain is just a technology that we use. Every financial company must use it. There shouldn't be a distinction."Nina Rong – Architecting Discovery: Stablecoins, RWAs & Agentic Finance"Web2-level simplicity, Web3-level transparency – that's what we are building towards." — Nina Rong, Executive Director of Growth, BNB ChainNina Rong, Executive Director of Growth at BNB Chain, shared how the ecosystem is positioning itself around three major themes for 2026: stablecoins, RWAs, and agentic finance. She pointed to BNB Chain's growing role as stablecoin infrastructure, noting that 40% of all global stablecoin transactions by count now happen on BNB Chain, with roughly 20 million monthly stablecoin users across the network.On RWAs and AI infrastructure, BNB Chain is now the second-largest blockchain for RWAs after Ethereum, with nearly $4 billion in assets on-chain and close to 500 tokenized asset types. The network is also positioning itself as financial infrastructure for AI agents, with more than 179,000 on-chain agents already transacting through BNB Chain. "The future is going to be an ecosystem of co-existing agents and humans at the same time," Rong said.Coin Bureau – Crypto Trends from the Leading Creators"Bitcoin has become very macro-driven. It is now a proxy for a macro asset – and that transmission mechanism didn't exist meaningfully in 2019 or 2020." — Nic Puckrin, Co-founder, Coin BureauCoin Bureau's Guy Turner and Nic Puckrin joined Binance Online to unpack the biggest trends shaping the 2026 market cycle. According to Nic, 2026 is indeed different, and the reason is structural rather than narrative. Spot ETFs, real legislation, institutional custody, regulated on-ramps, and pension-eligible products have embedded crypto more deeply into traditional finance, making Bitcoin more sensitive to global liquidity, rates, and broader macro shocks.The session also looked at how investors are approaching crypto more strategically in 2026. Nic said smarter portfolios now start with a core Bitcoin position of at least 30-50%, followed by Ethereum, selective L1/L2 exposure, and smaller allocations to conviction narratives. Guy pointed to AI agents using crypto rails, privacy, and the X402 protocol as areas to watch, while Nic highlighted Perp DEXs and prediction markets as two of the strongest product-market-fit stories in crypto today.BYOR – Build Your Own Research Framework“Researchers should never outsource original thinking or thesis formation to AI.” — Average Joe Crypto, MessariAlice Liu from CoinMarketCap was joined by Ryan Celaj of DeFiLlama and Average Joe Crypto from Messari for a discussion on how crypto research is evolving in a market increasingly shaped by AI, RWAs, and macro forces. The panel argued that strong research frameworks matter more than ever as crypto becomes harder to analyze through on-chain signals alone.Ryan pointed to RWAs and tokenization as one of the strongest trends in DeFi, while the conversation also focused heavily on how researchers should actually use AI. Rather than replacing independent thinking, the panel described AI as a tool for summarizing technical material, testing assumptions, surfacing datasets, and improving workflow efficiency. “Good outputs depend on good inputs,” Alice noted, emphasizing the importance of combining on-chain analytics with macro, trading, and alternative datasets.The session closed with a broader discussion about crypto’s direction as an industry. Average Joe Crypto argued that the sector is increasingly splitting into two paths: integration with traditional finance on one side, and a renewed focus on decentralization and privacy on the other. Ryan observed that due to this dynamic, less room remains for middle-ground approaches as the industry matures.Adam Back – Why We're All Satoshi & What's Next for Bitcoin“Bitcoin feels more like a discovery than an invention.” — Adam Back, Founder and CEO of BlockstreamThe next session featured Adam Back – founder and CEO of Blockstream, inventor of Hashcash, and one of the few people cited directly in the Bitcoin whitepaper – in a discussion on Bitcoin’s origins, cypherpunk history, and what comes next for the industry. Speaking with The Block’s Gareth Jenkinson, Back reflected on his early email exchanges with Satoshi Nakamoto in 2008, including conversations around how to properly reference Hashcash and other early proof-of-work systems like B-money and Bit Gold.Back argued that Bitcoin succeeded because Satoshi discovered an extremely narrow design space that previous electronic cash experiments had failed to fully solve. “One of Satoshi’s key innovations was allowing the market to price Bitcoin freely,” he explained, contrasting Bitcoin with earlier attempts to engineer price stability directly into the protocol. He also defended Satoshi’s continued anonymity, arguing that Bitcoin became stronger precisely because it evolved beyond any identifiable founder.The conversation later shifted toward Bitcoin’s long-term resilience, including the often-discussed “quantum threat.” While Back described large-scale quantum computing as a real area of research, he argued the technology remains far from practical deployment and noted that Bitcoin developers are already working on quantum-resistant upgrades.Thomas Gregory – Binance Beyond Trading: Building Everyday Crypto Utility“No one goes out shopping and goes, ‘I’m really looking forward to going to payment today.’” — Thomas Gregory, VP of Payments at BinanceContinuing the broader conversation around Binance’s long-term direction, Thomas Gregory, VP of Payments at Binance, discussed the company’s push to evolve beyond a trading platform into what he described as a broader “everyday payments platform.”Gregory argued that the biggest challenge for crypto adoption is removing friction between traditional finance and blockchain systems. “Payments are a hygiene factor,” he explained, pointing to stablecoins, Binance Card, Binance Pay, and new QR integrations in countries like Brazil and Vietnam as examples of how Binance is working to make blockchain infrastructure effectively invisible to users while still delivering the speed and efficiency advantages of crypto.The discussion also returned to Binance’s broader goal of scaling from hundreds of millions of users toward billions globally. Gregory described a future financial super app where users can trade, hold multiple currencies, send remittances, earn yield, pay bills, and spend stablecoins inside a single ecosystem. At the same time, he stressed that crypto payments will only scale if they adapt to local financial behavior and infrastructure.Ella Zhang – Bridging Blockchain, AI & the Future Wave of Frontier Tech“The biggest innovation and industrial change won’t happen in a single domain. It happens at the convergence.” — Ella Zhang, Head of YZi LabsElla Zhang, Head of YZi Labs and co-founder of Binance Labs, joined Binance Online to discuss the growing convergence between blockchain, AI, and traditional finance. Reflecting on the industry’s evolution since 2018, Zhang argued that one of crypto’s biggest early mistakes was viewing blockchain in isolation rather than as part of a much broader technological transformation happening across multiple industries simultaneously. She pointed to AI agents, stablecoins, tokenized assets, and intent-based interfaces as examples of how blockchain is increasingly becoming an invisible infrastructure layer powering ownership, payments, identity, and automation.The discussion also explored the rapid rise of tokenized real-world assets, which Zhang described as one of the biggest catalysts for crypto’s mainstream adoption. She argued that tokenized RWAs are already moving on-chain at meaningful scale, while also predicting that some of the most valuable blockchain companies of the next cycle may not issue tokens at all. Instead, she suggested the industry would increasingly converge with traditional capital markets through public listings, tokenized equity structures, and deeper institutional adoption.Rob Goldstein & Kaiser Ng – Tokenizing the Capital MarketsBinance Online concluded with a session featuring Rob Goldstein, COO of BlackRock, in a discussion with Binance’s CFO Kaiser Ng focused on tokenization, capital markets, and the growing convergence between traditional finance and digital assets. Goldstein argued that BlackRock increasingly sees digital assets not as a separate ecosystem, but as part of a broader shift toward portfolios that combine traditional capital markets exposures with blockchain-native infrastructure. Referencing products like IBIT and BUIDL, he described BlackRock’s strategy as building a “bridge” between traditional finance and digital wallets by offering both digital-asset exposure inside traditional portfolios and tokenized capital markets products on blockchain rails.The conversation also explored the long-term growth potential of tokenization and institutional crypto adoption. Describing tokenized capital markets as still being at a very early stage, Goldstein argued that the opportunity over the coming years should be measured “in multiples rather than percentages.” He also emphasized that many institutions are still in the early stages of understanding digital assets and their role inside broader portfolios. “It’s a very natural cycle that as time goes on, as people get more educated, it’ll enter more and more model portfolios,” he explained, adding that BlackRock continues to see digital assets become an increasingly important topic across client conversations.Looking ahead, Goldstein also pointed to AI as a major future catalyst for blockchain adoption, arguing that AI agents operating on digital rails could eventually create entirely new forms of economic activity and accelerate the growth of tokenized financial infrastructure.Final ThoughtsBinance Online closed on a distinctly forward-looking note, reflecting an industry increasingly shaped by the convergence of AI, tokenization, stablecoins, digital payments, and institutional adoption. Across more than four hours of discussions, speakers repeatedly returned to the same underlying theme: crypto is no longer developing in isolation. From AI agents transacting on blockchain rails to tokenized capital markets and globally accessible payment infrastructure, the industry is rapidly becoming part of a much broader technological and financial transformation.Binance Online was supported by partners including Epic, Fusionist, Pixels, Chromia, and ZEROBASE. All sponsorship proceeds will be donated toward education-focused initiatives, including $35,000 to the UZH Blockchain Center at the University of Zurich to support student enrollment in its Deep Dive into Blockchain summer program, and $15,000 to Geeks Academy in Kyrgyzstan to expand access to online cryptocurrency and blockchain courses.A huge thank you to every speaker, viewer, partner, and community member who joined us for the first-ever Binance Online. The conversations don’t stop here.Catch all session replays on Binance Square.Further ReadingCapital Markets Meet Digital Wallets – BlackRock And Binance On Tokenization as a Two-way BridgeSmart Money in 2026: Insights From CZ, Chamath Palihapitiya, and Anthony PomplianoBinance Online Agenda Revealed – Explore Speakers and Sessions for May 13 Risk Warning: Digital assets are subject to high market risk and price volatility. The value of your investment may go down or up, and you may not get back the amount invested. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. Past performance is not a reliable predictor of future performance. You should only invest in products you are familiar with and where you understand the risks. You should carefully consider your investment experience, financial situation, investment objectives and risk tolerance and consult an independent financial adviser prior to making any investment. This material should not be construed as financial advice. This product may not be available in certain countries and to certain users. This content is not intended for users/countries to which prohibitions/restrictions apply. For more information, see our Terms of Use and Risk Warning.

Main TakeawaysAt Binance Online, BlackRock COO Rob Goldstein joined Binance CFO Kaiser Ng to discuss tokenization, digital assets, and the future of capital markets.The conversation highlighted a broad dynamic: traditional finance and Web3 are increasingly being connected through ETFs, tokenized funds, digital wallets, collateral use cases, and institutional infrastructure.Binance Research scenario analysis suggests tokenization could grow meaningfully by 2030, but adoption will depend on regulation, custody, liquidity, and distribution maturing together.The future of finance is unlikely to arrive through one system replacing another. A more feasible scenario is that it will be built through bridges between traditional portfolios and digital assets, capital markets and digital wallets, and regulated financial products and crypto-native infrastructure.That was the central theme of a Binance Online conversation between Rob Goldstein, Chief Operating Officer of BlackRock, and Kaiser Ng, Chief Financial Officer of Binance. The session focused on tokenizing capital markets, but its significance went beyond any single fund, token, or ticker.A BlackRock COO appearing at a Binance event is itself a sign of how far the digital-asset industry has reached. The world’s largest asset manager and the world’s largest crypto ecosystem serve different histories and user bases, but the conversation reflected a reality that is becoming harder to ignore: traditional finance and digital-asset infrastructure are no longer moving on separate tracks. The question now is how the two systems connect, and which institutions can make that connection useful.Two Directions Of The Same BridgeDigital assets have long been framed as a choice between two worlds: traditional finance on one side, crypto on the other. Goldstein rejected that binary framing.“Our strategy from the beginning has been very, very, very simple – very hard to execute, I don't want to take anything away from what we've accomplished – but a very simple strategy, which is to effectively be that bridge between the capital markets and this alternate universe,” he said. “To provide, in a BlackRock quality way, digital assets exposures in the capital markets. And to provide, in a BlackRock quality way, as tokens, capital markets exposures in this alternate digital-asset universe.”That bridge moves in both directions. IBIT brought Bitcoin exposure into a familiar traditional ETF wrapper. BUIDL represents the reverse flow: capital-markets exposure made available as a token on digital rails.These examples suggest that the future of finance will be user choice across multiple rails. Some investors will prefer brokerages, banks, custodians, and familiar account structures; others will increasingly hold and manage value through digital wallets. Institutions will need access to both. At the same time, Goldstein noted that digital assets enter institutional portfolios as a matter of a “natural cycle”:It's a very natural cycle that as time goes on, as people get more educated, it'll enter more and more model portfolios. There'll be more and more of a track record, and the portfolio utility, the diversification utility will become more and more clear to institutions.Why Tokenization is CentralThe core promise of tokenization is making financial products easier to access, transfer, use, and settle. Goldstein framed the opportunity through a client lens: better, faster, cheaper.“We feel there is a great value proposition that tokenization provides relative to some existing structures, particularly with regard to the fund ecosystem,” he said. “When we think of opportunities, we're always thinking within BlackRock: how do we make access better, faster, cheaper for clients and end-clients?”The point is that many parts of today’s financial infrastructure remain slow, fragmented, expensive, or operationally complex. Fund distribution, transfer agency, collateral mobility, settlement cycles, cross-border access, and portfolio operations all contain inefficiencies that digital rails may help reduce over time. Tokenization can make assets more programmable and usable across platforms. It can also create new forms of collateral, liquidity, and access for users who already operate inside digital financial ecosystems.What Adoption Could Look Like By 2030Tokenization remains early. As Kaiser Ng noted during the conversation, the current tokenized asset market is still small relative to the scale of global capital markets. Goldstein also emphasized that tokenization could see “3x, 5x growth rates” for many years while still representing only a small minority of traditional financial infrastructure.That is the right way to understand the opportunity. The base is small, but the addressable market is vast. The pace of adoption will depend on whether several conditions mature together: regulation, institutional-grade custody, secondary-market liquidity, and distribution.Binance Research scenario analysis illustrates how wide the range of outcomes could be by 2030.Penetration rate scenario assumptions (0.2% → 18%) are benchmarked against two historical references: ETFs taking 30 years to penetrate 12% of total stock market cap since inception, and mobile payments scaling from 3% to 77% in just 3 years. Based on these assumptions, the potential market size of tokenized RWAs is projected to range between US$1.6 trillion and US$28.8 trillion.Among all segments, the tokenized equities and government bonds markets are the most significant. Under the baseline scenario, each is expected to surpass $300 billion – yet today, the two combined stand at just ~$18 billion.These figures should be read as projections rather than guarantees, but tokenization should be measured against the scale of global capital markets, rather than only against today’s on-chain tokenized asset base. Even low-single-digit penetration would represent a major expansion.Binance’s Role: From Issuance To AdoptionTo transform finance, technology has first to be implemented, explained, and made trusted by and useful to a critical mass of adopters.Binance has a unique combination of user base, liquidity, infrastructure, institutions, and education. It is where millions of people already access digital assets and where new product categories can be tested and scaled. Goldstein made that point directly.“I do think Binance plays an important role in helping to really provide that better, faster, cheaper value proposition, because at the end of the day, technology needs to be properly implemented and properly explained to people. And Binance is going to play such an important role in that.”The 2030 opportunity depends less on tokenization as a concept than on tokenization as a functioning market. A tokenized asset without liquidity, custody, collateral utility, user access, and risk controls remains a proof of concept; a tokenized asset connected to deep markets and global distribution can become part of everyday financial reality.This is where Binance can help move the industry from issuance to adoption: building bridges between users who think in crypto terms and institutions that think in terms of portfolios, risk, and settlement.The Next Layer: AI, Wallets, And Digital FinanceThe conversation also pointed toward an even larger convergence: digital assets and artificial intelligence.As enterprises begin using AI agents for increasingly complex tasks, those agents may eventually need ways to transact and coordinate value. Traditional financial infrastructure was not built for machine-native activity at global internet speed. Digital tools and rails may become part of the financial layer that allows AI agents to operate in the real economy.For Binance, this convergence is central to the next phase of growth. The industry is moving beyond a narrow definition of crypto as trading alone. The addressable market is widening toward digital finance: storing and moving value, accessing markets, managing portfolios, using tokenized assets, and eventually interacting with AI-enabled financial tools.Final ThoughtsTokenization will not mature overnight, but the overall direction is unmistakable. Digital assets are entering traditional portfolios while traditional products are entering digital wallets. Institutions are looking very seriously at tokenized infrastructure while crypto-native platforms are developing the liquidity and user experience needed to make these products genuinely usable.The Binance Online conversation between Rob Goldstein and Kaiser Ng captured this moment well, offering a glimpse of how the next financial architecture may be built by connecting the two worlds they represent. As tokenization moves from concept to infrastructure, Binance is positioned to help build that bridge for the people and institutions who will use it.Further ReadingSmart Money in 2026: Insights From CZ, Chamath Palihapitiya, and Anthony PomplianoBinance Online Agenda Revealed – Explore Speakers and Sessions for May 13Binance Integrates BlackRock’s BUIDL Fund into Institutional Collateral Framework

Main TakeawaysIn 2018, when severe flooding hit Hiroshima, Binance Charity launched a global crypto donation campaign – raising 61.09 BTC to support affected communities.Local Binance user Mai was central to that effort, helping local NPOs receive and convert crypto donations, demonstrating that blockchain could deliver aid faster and with lower fees and more transparency than traditional transfers.Since 2018, Binance Charity has contributed $43.5M+ across 86 countries, reaching over 4 million beneficiaries worldwide.In 2018, severe flooding devastated parts of Hiroshima, Japan. Communities were displaced, homes were damaged, and local organizations faced growing pressure to deliver aid fast. Binance Charity responded by launching a global donation campaign that raised 61.09 BTC from contributors around the world.There was just one problem: the local NPOs (non-profit organizations) that needed the funds had never worked with cryptocurrency before. For Mai, a Binance user since 2017 and founder of a crypto charity platform in Japan, that was exactly the kind of challenge she had spent years preparing to solve. Years later, Mai revisits this story in our latest Humans of Binance episode – and reflects on how far crypto-powered giving has come since.Crypto Meets a Humanitarian CrisisFor years, Mai had been trying to introduce cryptocurrency into Japan's charitable sector – convinced that blockchain could make donations faster, more transparent, and more efficient during emergencies. Yet adoption among local organizations remained limited. Then the floods hit.Binance Charity's global campaign had raised the funds quickly. But converting a global pool of 61.09 BTC into yen that local NPOs could actually use required someone who understood both fields. So Binance reached out to Mai.Making Crypto Usable for Local ReliefUsing her experience in both cryptocurrency and charitable work, Mai helped facilitate the conversion of the donated funds into approximately 50 million yen through Binance – allowing BTC to be quickly converted into fiat and transferred directly to local NPOs.The process was significantly faster and less expensive than many traditional cross-border transfers. With minimal fees and rapid conversion, more of the funds could go directly toward relief efforts rather than operational costs."It all happened in seconds with almost no fees," Mai said. "This is the real strength of crypto."A Turning Point for Crypto Donations in Japan The Hiroshima response changed what Japan's nonprofit sector believed was possible. After seeing crypto donations work in practice – fast, low-cost, and verifiable – more organizations began exploring digital assets as a legitimate fundraising channel.Mai went on to help many of them set up fundraising through Binance, enabling broader access to global donations. Each organization that came onboard extended Binance Charity's reach in Japan – and every fee saved on transfers meant more aid going directly to the people it was intended for.Today, the affected communities have rebuilt. And across Japan, many more charitable organizations now accept crypto donations than before the Hiroshima campaign – a shift that began with a single conversion, measured in seconds.Binance Charity: Eight Years, 86 Countries, 4 Million LivesMai's story is one chapter in a much larger effort. Since 2018, Binance Charity has contributed more than $43.5 million across 86 countries, reaching over 4 million beneficiaries worldwide through initiatives spanning disaster relief, humanitarian support, and Web3 education.These efforts include flood relief initiatives across Southeast Asia, support for displaced families in Europe, and educational programs helping expand blockchain knowledge across Africa.By combining global reach with local action, Binance Charity continues working to improve how aid can be raised, transferred, and delivered in times of need.Humans of Binance: Real Stories From the CommunityThis story is part of Humans of Binance, a series highlighting real experiences from people around the world whose lives have been impacted by crypto.From creators and educators to entrepreneurs and humanitarian advocates, the series explores how Binance users are applying blockchain technology in practical, meaningful ways. Mai’s story shows how crypto can extend beyond trading and finance to support humanitarian efforts when communities need it most.Watch Mai tell the story in her own words.How to Get InvolvedHumans of Binance is more than a collection of inspiring stories – it's an open invitation. We want to hear from our users across the globe, wherever you are, whoever you are. What has crypto and Binance meant for your life?Share the Humans of Binance videos on your socials with the hashtag #HumansOfBinance and tell us how crypto has made a real difference to you. The most compelling stories will be turned into short animated films – bringing your journey to audiences around the world – with the chance to win a share of 3,000 USDC. Participants will also need to complete a short survey to be eligible.Real Stories. Real People. Real Crypto.Share Your Story NowFurther ReadingHumans of Binance: Real Stories. Real People. Real Crypto.Binance Charity has Committed 245,000 USD to Support Communities Affected by Sumatra Floods and LandslidesBinance Japan Earns Global Security and Privacy CertificationsRisk Warning: Digital assets are subject to high market risk and price volatility. The value of your investment may go down or up, and you may not get back the amount invested. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. Past performance is not a reliable predictor of future performance. You should only invest in products you are familiar with and where you understand the risks. You should carefully consider your investment experience, financial situation, investment objectives and risk tolerance and consult an independent financial adviser prior to making any investment. This material should not be construed as financial advice. This product may not be available in certain countries and to certain users. This content is not intended for users/countries to which prohibitions/restrictions apply. For more information, see our Terms of Use and Risk Warning.

Main TakeawaysBinance Online 2026 brought together leading voices in crypto and finance, including a panel with Changpeng Zhao (CZ), Chamath Palihapitiya, and Anthony Pompliano on where smart money is flowing.Chamath outlined a four-layer framework he called "dirt to token," covering the physical inputs, software control plane, and distributed compute behind AI.The conversation also dived deeper into how both CZ and Palihapitiya are focused on AI infrastructure, building agentic use cases, and the convergence of AI and finance.At Binance Online 2026, the conversation about where capital is heading has moved past the age-old debate of crypto versus equities. The question now is how AI infrastructure, crypto, and traditional finance are intersecting.That was the backdrop for Where Smart Money Is Moving Now, a panel featuring Changpeng Zhao (CZ), founder of Binance and Giggle Academy, and venture capitalist and entrepreneur Chamath Palihapitiya — hosted by Anthony Pompliano, founder and CEO of Professional Capital Management.Chamath's 2026 Playbook: From "Dirt to Token"Palihapitiya laid out a four-part framework for how he is allocating capital across the AI stack."One theme is this idea of going from dirt to token. And what that means is the land parcel that wraps the data center, that wraps the racks, that then wraps the chips that generates the token”The first layer is the data center stack itself: the land, power, and racks that house chips. The second is what he called the physical fulcrum assets for AI, including prismatic LFP batteries and rare earths. The third is the AI control plane, the software layer where agents and users interact with models. The fourth is distributed compute, where inference and training move closer to end users.On the control plane specifically, Palihapitiya is attempting to build this layer through his own AI-native software development platform 8090."It's this idea that there is a very powerful harness that you will use between people and agents to interact across the entire spectrum of software development. It has to be model-agnostic. That workflow can be broken down into tasks that maybe should go to Anthropic over here but then other tasks should go to OpenAI over there. You reassemble the constructs. You have an agent that's managing for cost and optimization. You have humans that are collaborating with these things, many non-technical humans.”The logic is that no single AI model will win at every task. A control plane sits above the model layer, routing tasks to whichever provider handles a given job best. The control plane optimizes for cost and enables non-technical users to orchestrate complex workflows without writing code.CZ’s Focus on Picks and ShovelsCZ said his personal allocation outside of crypto is concentrated in the infrastructure powering AI rather than the models themselves."I'm actually very interested in the AI infrastructure. So all these AI models are really interesting. I think they have huge potential. But I like to invest in picks and shovels, like all the infrastructure aspects that power AI.”CZ also views AI as the catalyst for the next leap in robotics and biotech. Even so, the majority of YZi Labs' capital, roughly 70 to 80%, remains in Web3, with AI and adjacent sectors making up the remainder.Two Approaches to InvestingThe panel also revealed a remarkable contrast in how both CZ and Palihapitiya approach investing. Palihapitiya described a research-led process anchored in what he called a “prepared mind,” built through his Learn With Me series, where he publicly works through a sector or technology before investing in it. "It's always rooted in learn first, and then do later," Palihapitiya said.CZ takes a different approach. He opens a small position first, then uses that exposure as the reason to go deep on the asset. Having skin in the game becomes the incentive to learn.The Intersection of AI and FinanceMoving away from investing, the discussion touched on the overlap between AI and financial services. CZ believes crypto infrastructure is actively pushing towards compatibility with autonomous agents."We want to make all crypto infrastructure agentic-ready. So when agents want to use crypto, they can call a skill or API and the agents can just use it.”CZ described AI agents that can hold wallets, move stablecoins, and execute trades without human intervention at every step. Careful to flag the risks, CZ also believes letting AI manage capital at scale is still early."For agents to handle large amounts of money for you, or to handle any money for you, is right now, today, a little bit risky because AI is so new. They don't have a lot of guardrails around them.”Though he hasn’t tested the feature for himself, CZ pointed to Binance's own AI trading bots as a practical workaround, where agents operate inside segregated wallets with user-defined parameters. Users can deploy strategies through natural-language prompts, which lowers the barrier to algorithmic trading considerably. CZ also believes that AI will eventually outperform the average human financial advisor, on the grounds that most advisors give generic advice rather than individually tailored analysis.On this front, Palihapitiya is incubating two firms in the category: a next-generation quant trading operation run by a former hedge fund portfolio manager, and an AI-enabled wealth manager he is backing with a friend. "All of this stuff that should just be like a prompt and a yes/no answer by a human and then flawless execution," Palihapitiya said.Democratizing Finance, and the Convergence of Crypto and TradFiBlockchain technology and stablecoins, in CZ’s view, play a crucial role in places where TradFi systems cannot reach. "We already see that in countries or regions where banking penetration is low, like Africa, Southeast Asia, people use blockchain to access stablecoins that they couldn't access before. You may think it is just a simple stablecoin, but that's actually financial access for a lot of people in different parts of the world." In economies experiencing hyperinflation, holding dollars is often difficult or impossible through TradFi banking channels. CZ believes stablecoins are, in much of the world, the most practical on-ramp to the dollar.Pompliano closed the conversation by emphasizing that “crypto” and “finance” are becoming the same thing, comparing crypto’s path to that of the internet. "I think that we're headed in the same way that the internet, right? It used to be internet companies, internet assets, internet entrepreneurs. Now we just call them companies, assets, or entrepreneurs. The same thing's happening in crypto. I always use BlackRock as an example. Like, are they a crypto and Bitcoin company now? Because their biggest product and most profitable product is a Bitcoin product? No, it's just, it's a company. It's in finance.” Final ThoughtsThe Where Smart Money Is Moving Now panel at Binance Online 2026 was a glimpse into CZ and Palihapitiya’s big bets for 2026, from AI infrastructure — such as data centers and chips — to a software company Palihapitiya is building to function as an AI control plane. If you missed the panel or want to see the other sessions from Binance Online, you can watch the full recording on Binance Square. Further ReadingBinance Online Agenda Revealed – Explore Speakers and Sessions for May 13Tune In For Binance Online – A New Global Event Featuring Crypto's Most Influential VoicesIntegrating Finance, Social, and AI: How Binance is Leading Crypto’s WeChat Moment

Main TakeawaysThis blog summarizes the findings of the recent Binance Research report discussing key developments in crypto markets over the past month.In April, total cryptocurrency market cap rose more than 8% to $2.6T, driven by a US-Iran ceasefire, with digital assets showing remarkable resilience amid prolonged geopolitical uncertainty.Looking ahead, markets are watching for inflation data as the prolonged conflict leaves room for the macro backdrop to deteriorate.This blog summarizes key Web3 developments in April 2026 from Binance Research’s monthly report to provide an overview of the ecosystem’s state. We analyze the performance of crypto and DeFi markets before previewing major events to look out for in May 2026.Crypto Market Performance in April 2026In April, total crypto market capitalization rose over 8% to $2.6T, supported by a temporary US–Iran ceasefire and continued resilience in digital assets despite geopolitical uncertainty.BTC extended its rally amid an ongoing short squeeze, climbing from around $66K toward $80K as funding rates remained deeply negative. Meanwhile, equities continued hitting all-time highs, while Brent crude rebounded above $100, keeping inflation concerns elevated amid stagflation fears.On the ETF side, BTC ETF net inflows nearly doubled month-on-month to around $1.97B, while ETH ETF flows turned positive at $492M. The Fear & Greed Index recovered to neutral at 41.Looking ahead, CPI and PCE inflation data remain key macro watchpoints as prolonged geopolitical tensions continue to threaten the broader macro environment.Monthly crypto market capitalization rose over 8% in AprilSource: CoinGecko, Binance ResearchAs of April 30, 2026Performance across the top 10 was broadly positive, with BTC leading large caps, up 12.1% as Strategy aggressively accumulated some 56K BTC in April, including a 34K BTC purchase on April 20 – its largest single buy of the year. HYPE and ETH followed with gains of 9.3% and 7.8% respectively, while Bitmine increased its ETH holdings to 4.21% of total supply after acquiring 244K ETH during the month.DOGE outperformed most major altcoins, rising 7.7% as open interest surged about 57% in the final week of April, pointing to increased leveraged positioning. LINK gained 4.9%, supported by its largest exchange outflow since December ($9M in 24 hours), signalling continued accumulation and tightening exchange supply.XRP and TRX posted modest gains of 3.4% and 3.2% respectively, while BNB and SOL were largely flat. Meanwhile, BCH declined 4.5%, underperforming the broader market.Monthly price performance of the top 10 coins by market capitalization Source: TradingView, Binance ResearchAs of April 30, 2026Decentralized Finance (DeFi)TVL share of top blockchainsSource: DeFiLlama, Binance ResearchAs of April 30, 2026 In April 2026, DeFi TVL fell 10.7% MoM to $82.7B as the sector was hit by $635.24M in exploits – the highest monthly hack total since the Bybit incident in February 2025. DefiLlama recorded 28 hack events, the most on record for a single month.The largest incidents included a $285M exploit on Drift Protocol involving social engineering and governance manipulation, as well as a $293M exploit on Kelp DAO’s LayerZero bridge through compromised RPC infrastructure and fraudulent cross-chain messages.The Kelp DAO exploit also triggered contagion across Aave, generating $230M in bad debt and halving Aave’s TVL. In response, Stani Kulechov led a cross-ecosystem relief effort that raised around $303M to support recovery.Tokenized Real-World Assets (RWAs)RWA net monthly growth by categorySource: RWA.xyz, Binance ResearchAs of April 30, 2026 Total RWA asset value rose 4% MoM to $27.1B, with tokenized government debt continuing to dominate growth and attracting roughly $3B in inflows. Circle’s USYC and BlackRock’s BUIDL expanded 11% and 15% MoM respectively.Ondo’s USDY grew 32% MoM following its partnership with Broadridge Financial Solutions, enabling holders of tokenized stocks and ETFs to participate in shareholder voting through crypto wallets via the ProxyVote platform.At the network level, XRP Ledger’s RWA value climbed 66% MoM to $537M, while Ripple unveiled a four-phase quantum-resistance roadmap targeting 2028, including a zero-knowledge-proof-based emergency migration plan.May Events and Token UnlocksTo help users stay updated on the latest Web3 news, the Binance Research team has summarized notable events and token unlocks for the month to come. Keep an eye on these upcoming developments in the blockchain space.Notable Events in May 2026Source: Cryptoevents, Binance ResearchLargest token unlocks in USD termsSource: CryptoRank, Binance ResearchFinal ThoughtsThis article is only a snapshot of the full report, which contains further analyses of the most important charts from the past month. The full report takes a deeper look at several themes shaping the market, including Markets Rally Despite Hormuz Risks, April’s crypto hacks putting DeFi risk pricing back in focus, and the rise of vault-style borrowing.Read the full version of this Binance Research report here.Further ReadingBinance Research: What Crypto’s 2025 Taught Us – and What to Watch in 2026Binance Research on Key Trends in Crypto – April 2026Binance Research on Key Trends in Crypto – March 2026Disclaimer: This material is prepared by Binance Research and is not intended to be relied upon as a forecast or investment advice and is not a recommendation, offer, or solicitation to buy or sell any securities or cryptocurrencies or to adopt any investment strategy. The use of terminology and the views expressed are intended to promote understanding and the responsible development of the sector and should not be interpreted as definitive legal views or those of Binance. The opinions expressed are as of the date shown above and are the opinions of the writer; they may change as subsequent conditions vary. The information and opinions contained in this material are derived from proprietary and non-proprietary sources deemed by Binance Research to be reliable, are not necessarily all-inclusive, and are not guaranteed as to accuracy. As such, no warranty of accuracy or reliability is given, and no responsibility arising in any other way for errors and omissions (including responsibility to any person by reason of negligence) is accepted by Binance. This material may contain ‘forward-looking’ information that is not purely historical in nature. Such information may include, among other things, projections and forecasts. There is no guarantee that any forecasts made will come to pass. Reliance upon information in this material is at the sole discretion of the reader. This material is intended for information purposes only and does not constitute investment advice or an offer or solicitation to purchase or sell in any securities, cryptocurrencies, or any investment strategy, nor shall any securities or cryptocurrency be offered or sold to any person in any jurisdiction in which an offer, solicitation, purchase, or sale would be unlawful under the laws of such jurisdiction. Investment involves risks.

Main TakeawaysSuper apps scale by embedding financial actions into daily social behaviors, and WeChat remains the most widely cited reference point for that model.Crypto has started in the opposite order, with trading and payments already operating at scale, but social and AI workflows still fragmented across different apps.Binance Chat and Binance Ai Pro aim to close that gap by bringing conversation and AI tools inside the Binance app.Inside a single app, approximately 1.38 billion people in China send messages, pay rent, hail taxis, invest, book doctors, and run small businesses. It is often cited as a leading example of the most complete super app ever built, and similar patterns have taken hold elsewhere. In Korea, people can pay rent through KaKaoPay. WhatsApp’s Pix integration carries most of Brazil's peer-to-peer payments. Grab started as a taxi-hailing service and now handles payments, deliveries, and loans across Southeast Asia.The world of digital finance has not quite had its version of such integration yet. With the launch of Binance Chat and Binance Ai Pro, the pieces are finally coming together.Unifying A Fragmented EcosystemToday, many crypto users split their time between social platforms for discussion and separate apps for trading and AI. Instead of juggling between Discord, Telegram, X, AI chatbots, and exchanges — what if they could engage in all these social and financial activities from a single interface, just like WeChat? Ease of use is one of the primary drivers in technology. It’s a huge reason why centralized platforms gained traction in crypto's first decade. Clean and intuitive interfaces, mobile-first design, and good customer support contributed significantly to user adoption. This need for accessibility in the applications we use daily is now driving the crypto industry toward its own “WeChat moment.”The WeChat TemplateWeChat launched its payments feature in August 2013. Months later, during Chinese New Year 2014, Tencent introduced digital red packets inside group chats. Within days, tens of millions of users had linked bank cards to send small amounts of money to friends. Other use cases followed in quick succession: utility bills, taxi fares, merchant payments, and eventually wealth management and insurance.Web3’s natural next step toward broader adoption is a super-app-style experience for digital finance – where social, payments, AI, and investing tools coexist in one place.What Already Runs Inside BinanceMost of the services users need to manage activities related to money and markets already run inside Binance. Trading and investing is the obvious one, but it's no longer just crypto. With the recent launch of TradFi Perpetuals, users now get 24/7 exposure to equities, indices, and commodities on the same platform they use for their digital-asset needs.A robust payments system is powered by Binance Pay, which now works across roughly 20 million merchants worldwide, up from 12,000 a few years ago. Over $280 billion has moved through Binance Pay since 2021.Long-term crypto investors can grow their wealth with little effort through a variety of staking, savings, and structured products on Binance Earn.For users who want to explore the depths of Web3, Binance Wallet provides a bridge into on-chain activity, while Binance Alpha 2.0 enables users to explore emerging projects from the comfort and security of the Binance exchange. Binance Chat and Binance Ai Pro Binance Chat provides direct messaging and group chats. In the same conversation, users can start peer-to-peer transfers or switch to Binance Spot to make a trade. Sitting alongside Binance Chat is Binance Square, a deep social feed packed with user-generated content and a feature that lets users share verifiable trading statistics linked directly to their Binance accounts.Binance Ai Pro is an AI-enabled trading assistant that operates on a dedicated sub-account with user-defined permissions and limits. Users can delegate capital under clear rules without exposing their main account. Interaction happens through a chat-style interface similar to other chat bot assistants on the market.To illustrate these layers in action, let’s say a user sees a post on Square about a recent news event. They ask Ai Pro to summarize the event and how markets are reacting. They share what they find with a friend through Binance Chat. Each user independently asks Ai Pro to help them open a position on their own account. Everything happens within the Binance app.What We’re Building TowardMost successful super apps with financial functionality so far have been built from the outside in: messaging first and financial services later. It’s a workable model, as observed throughout the past decade, but it tends to take time and hefty investment.Binance is building from the inside using financial infrastructure that is already in place. Binance is home to over 310 million registered users, deep liquidity across hundreds of assets, fiat rails across major markets, a global crypto payments system for both merchants and customers, and a compliance footprint that has grown meaningfully in the last several years. Adding a social layer and an AI layer on top of that foundation is a far shorter path than building an exchange underneath a chat app.Final ThoughtsSuper apps scale by starting with daily habits, then adding financial actions in the same interface. Web3-led digital finance is growing in the opposite order, and the WeChat moment is closer than it ever has been.Trading, payments, custody, and Web3 discovery are already running on a global scale inside Binance. With Binance Chat and Binance Ai Pro, the conversational and AI layers are now in the same place.Further ReadingBinance Powers Toward 3 Billion Users With an Everyday Financial App VisionThe Next Three Billion Users And The Widening Addressable Market for Digital FinanceFrom Exchange to Infrastructure – How Binance Underpins CryptoDisclaimersBinance Chat: Binance provides the Chat infrastructure as a service for Binance users to engage in their sole discretion. Binance Chat is a communication and content-sharing feature and does not constitute, or form part of, any financial, investment, or intermediary service. The content shared within Binance Chat does not amount to any advice, nor an offer, solicitation, or recommendation to deal in any digital asset. All payments and transfers conducted through Binance Chat take place directly between verified users’ Binance accounts. Binance is not a party to any group Chat but reserves the right to monitor, edit, remove, or block any User Content or restrict access to the Chat at its sole discretion, without prior notice. Chat groups are managed by independent chat/group leaders, not Binance. Binance does not endorse, or assume responsibility for content shared by the hosts. The Chat is provided “as is” and “as available” without warranties of any kind. You are solely responsible for your investment decisions. DYOR. Binance is not liable for any losses. For more information, please see our Binance Chat Terms, Risk Warning and Terms of Use.Binance Ai Pro: Your use of this Binance Ai is at your own risk and is provided to you on an “as is” and “as available” basis, without representation or warranty of any kind. You are fully responsible for all of your Prompts. AI Inputs may include various unvetted third party sourced content. Binance sourced content is provided “as is” without any guarantee. Binance does not endorse or guarantee any AI Outputs. AI Outputs may include or reflect content, positions, views and opinions of third parties unknown to Binance, which may also include errors, biases, synthetic data and or outdated information. Any AI Output should not be solely relied on for decision making. AI Outputs do not constitute any kind of advice by Binance nor any other intermediary services. Binance Ai may use or make available third party AI Tools without any guarantee. Where AI Tools are configured by yourself or a third-party, you indemnify Binance against all liability. Binance does not guarantee any AI Tools. Binance Ai may respond to your requests, but without any guarantee that your request will be fulfilled satisfactorily or at all. Digital asset prices can be volatile. You are solely responsible for your investment decisions and Binance is not liable for any losses. Use of Binance Ai may be subject to additional Binance Product Terms, where applicable. For more information, see our Terms of Use, Risk Warning and AI Policy and Terms.

Main TakeawaysAI-powered scams and exploits are accelerating, but Binance is deploying AI at scale to counter them – blocking $10.53B in fraud and protecting 5.4M+ users from Q1 2025 to Q1 2026.With 24+ AI initiatives and 100+ models at work protecting users, Binance intercepted 22.9 million scam and phishing attempts, helping to safeguard approximately $1.98 billion in user funds in Q1 2026.Beyond technology, Binance continues to prioritize user education, while also strengthening recovery efforts for more comprehensive user protection.The barrier to entry for scam perpetrators is falling fast, with AI accelerating the drop. What once required technical expertise can now be executed for next to nothing and at scale, with smart contract exploits costing as little as $1.22 per contract (down 22% month-on-month) and advanced models achieving a 72.2% success rate, as per Binance Research’s latest analysis. More critically, these attacks aren’t just targeting systems – they’re targeting people.AI is amplifying social engineering at an unprecedented level, powering deepfakes, phishing bots, fake platforms, voice cloning, and impersonation across chat applications, exploiting trust and urgency. Today, 76% of AI-driven scams fall within the highest quartile for both scale and severity, and in 2025 alone, crypto-related fraud reached $17 billion – a 30% year-on-year increase. Without a proportionate response, the impact is likely to worsen. Fortunately, Binance is building equally advanced solutions to counter and stay ahead of these evolving threats.AI as our ShieldIn response, Binance has been steadily strengthening our defenses. By late 2025, we had already rolled out 24+ AI-driven initiatives and 100+ models – and these numbers continue to grow as we strengthen our defenses against emerging threats. This is further supported by a range of AI-driven defenses across the ecosystem. Computer vision is used to detect fake payment proofs, while real-time language analysis helps surface scam patterns in P2P transactions. AI-driven decisioning now powers 57% of fraud controls, contributing to a 60–70% reduction in card fraud rates compared to industry benchmarks.On the identity verification front, Binance’s KYC systems continue to evolve to counter increasingly sophisticated deepfakes and synthetic identities, delivering up to 100x gains in operational efficiency compared to traditional manual processes without AI.Building Security Into our Architecture: Binance Ai ProAs AI becomes more deeply embedded in everyday life, security needs to be built into the system.Binance Ai Pro reflects this shift by introducing a controlled operating environment designed to reduce exposure to risk. Within this framework, funds managed by AI agents are segregated from main user accounts, and permissions are tightly restricted to trading activity only, with no withdrawal access enabled.In addition, all third-party “skills” must undergo screening before installation, addressing the rising risk of malicious or compromised packages – of which around 12% of third-party skills submitted to the Binance Ai Pro marketplace have been flagged as potentially risky. This additional layer of review helps significantly reduce user exposure to compromised tools, limiting the chances of account or transactional risk stemming from unsafe integrations.Taken together, this architecture is designed to contain potential vulnerabilities at the system level, ensuring that even if issues arise, their impact remains limited and isolated.User Education as DefenseRelying on technology alone is insufficient. As scams increasingly target human behavior, user awareness has become a critical line of defense. That is why Binance has invested heavily in education, with our account takeover (ATO) education initiatives reaching over 179,000 users in Q1 2026.Quantifiable Success in Crypto Scam Prevention and User ProtectionThese efforts have improved real-time threat detection and played a key role in the success of scam prevention and user protection.In Q1 2026 alone, Binance intercepted 22.9 million scam and phishing attempts, helping to safeguard approximately $1.98 billion in user funds. Cumulatively, $10.53 billion in user losses were prevented from the beginning of 2025 through Q1 2026 for more than 5.4 million users. We also blacklisted over 36,000 malicious addresses and issued more than 9,600 real-time warnings daily to help users stay ahead of emerging threats.While these figures reflect meaningful progress, they are ultimately the result of continuous investment in our security infrastructure. As the threat landscape evolves, we remain focused on building and improving systems that can better protect users at scale.Beyond Prevention: Binance’s Recovery EffortsEven with strong preventive defenses in place, some incidents may still occur. Given the inherently irreversible nature of blockchain transactions, recovery is not always possible. However, in certain cases, it is still possible to trace illicit flows and assist in recovering funds through coordinated action.In 2025, Binance helped recover $12.8 million across 48,000 cases, marking a 41% year-on-year increase in recovery outcomes. Beyond direct user support, Binance also worked closely with global authorities, assisting in the confiscation of $131 million in illicit funds and processing more than 71,000 formal law enforcement requests over the year.This reflects a broader principle in Binance’s security approach where protection does not end at prevention but continues through response, collaboration, and recovery when users need it most.Final ThoughtsAI is reshaping both sides of the security equation. It’s making attacks more scalable, more convincing, and harder to detect, while also enabling a new generation of defenses that are faster, smarter, and more adaptive.To close the gap between exploitation and detection, security must evolve at the same pace, embedded across systems, processes, and user behavior rather than treated as a separate layer.Through large-scale AI deployment, real-time monitoring, user education, and secure-by-design architecture, Binance is constantly innovating by turning AI into a reliable shield for our users in this new era of intelligent threats.Further ReadingStrategy Factory: Binance’s AI-Powered Rule Engine for Risk and Fraud DetectionBinance Academy Launches Course on How to use AI Agents in CryptoInnovation at Binance – Optimizing Real-Time Feature Pipelines Through Job Merging

Main TakeawaysTurn your crypto into a thoughtful gesture in just a few taps with Binance Pay, making last-minute gifting faster and more convenient with payments across 100+ crypto assets. Choose from a wide range of gifting options across the Binance Pay merchant network – from dining to travel, luxury experiences, and digital gift cards.Tailor your gift to her personality and lifestyle using this guide, or discover even more ideas and options in the Binance Pay merchants directory.Every mom is different, which is why the best Mother’s Day gift feels personal, thoughtful, and tailored to her lifestyle. Whether she’s a foodie, frequent traveler, collector with an eye for craftsmanship, practical minimalist, or lover of life’s little luxuries, the perfect gift starts with understanding what she truly enjoys.In this guide, we’ve curated Mother’s Day gift ideas based on different mom personalities and lifestyles, drawing on the list of 21M+ merchants that accept crypto payments via Binance Pay, which supports instant, gas-fee-free payments across 100+ crypto assets.Everyday Essentials for the Practical Minimalist MomGift cards are often the simplest answer for a practical mom: they let her choose exactly what she wants, helping to minimize waste while maximising joy, whether that’s beauty, food delivery, entertainment, or everyday essentials.For those short on time, here are two digital gift card platforms you can browse and send within minutes via Binance Pay – making last-minute gifting feel effortless, intentional, and borderless, so you can give her something meaningful no matter where she is in the world.CoinsbeeAlways waiting for her outside a cosmetics store, mentally decoding whether she meant “rosy nude” or “warm mauve but not too warm”? Instead of trying to crack the impossible code of her next skincare obsession or lipstick shade, Coinsbee saves you from becoming an undercover beauty consultant overnight by letting you gift access to cult-favourite beauty retailers – so she can pick exactly what she meant (and what she actually wants). The result is a gloriously free of guesswork gift that still feels personal – without any subtle interrogation.TokenstoreFor the mom who moves through life with intention and momentum, Tokenstore is the ultimate everyday flex. With 500+ global brands across food, groceries, entertainment, and transport, it transforms gifting into pure versatility – from essentials like Amazon and Uber Eats to downtime favourites like Netflix and Spotify, enabling her to cart out whatever she desires!Search for desired digital gift cardCheckout using Binance PayBook the Right Table for the Foodie MomFor the foodie mom who plans entire trips around restaurant reservations, the perfect gift is the right table that she’ll remember for a long time – even after the plates are cleared.Enter La Môme, where Cannes’ Riviera spirit comes alive, while blending elegant interiors with lively Mediterranean dining. Here, long, social dinners feel effortless and celebratory.La Guérite, on the other hand, feels like a hidden escape. Set on Île Sainte-Marguerite and accessible only by boat, it offers daytime seafood lunches by the sea that slowly evolve into a high-energy island scene with music and sunset vibes.Then there’s Medusa, the most immersive of the three – part restaurant, part cabaret, part nightlife spectacle. Located at Palm Beach, it pairs refined, globally inspired cuisine with immersive performances, live music, and theatrical staging that spills from dining room to terrace.Gift the Travel Mom a Memorable GetawayFor moms who value experiences, a thoughtfully chosen stay or destination can feel exceptionally meaningful this Mother’s Day.Travala makes that gift easy. Think 2,200,000+ hotels, flights, and activities across 230+ countries – from last-minute weekend escapes to fully curated multi-city trips. It’s built for the kind of gifting that feels spontaneous, but lands with intention.For a more unique experience, SE Yachting turns the Mediterranean into her private playground – complete with curated routes and sun-drenched decks.If she prefers a fixed address with five-star luxury, JW Marriott Cannes delivers contemporary Riviera luxury steps from La Croisette, with rooftop views, sleek rooms, and a location that puts her in the heart of Cannes’ energy.For old-world glamour, Hotel Barrière Le Majestic Cannes sits right by the Palais des Festivals, offering Art Deco grandeur, sea views, and that classic Cannes “main character” feeling.And for something more design-forward and private, Le Bijou Airhome offers fully serviced, high-design apartments that blend hotel-level service with the comfort of a private residence.Pick Stories for the Curator MomFor the curator mom, gifting is about objects with provenance, material weight, and a story worth telling.La Dobla Bullion speaks directly to that sensibility. Specializing in investment-grade gold and silver, as well as rare and historic coins, it sits at the intersection of collecting and craftsmanship. From globally recognized mint releases to vintage pieces with historical significance, each item carries both intrinsic metal value and a layered narrative.At the other end of the spectrum, LG Dream Cars transform collectability into motion. Focused on high-performance luxury and classic automotive design, the outfit curates vehicles that are as much about engineering heritage and aesthetic presence as they are about driving. Each car is positioned as a statement piece – built for those who appreciate form, performance, and legacy in equal measure.Indulge the Luxury-Loving MomFor the lover of life’s little luxuries who finds joy in the elegance of refined details and tactile craftsmanship, a gift with a refined touch of indulgence is often the perfect choice.Printemps is Parisian retail at its most iconic. Founded in 1865 and housed in its landmark Haussmann flagship, it is a curated world of fashion, beauty, and luxury, known for blending heritage with constantly refreshed seasonal curation.For something more contemporary, Wristcheck caters to the modern timepiece collector. It’s a luxury watch platform offering authenticated timepieces across brands and styles, with the added flexibility of crypto payments – making high-end horology more accessible to a new generation of collectors.Camille Louise Jewellery brings a more intimate form of luxury. Founded by a mother-daughter duo in Switzerland, the maison focuses on ethically sourced materials and refined, wearable pieces designed with understated elegance and lasting emotional value.And for heritage with personality, S.T. Dupont is a French luxury house known for its finely crafted lighters, writing instruments, leather goods, and watches. Each piece carries a sense of ritual and precision – designed not just to be used, but to be kept.Final ThoughtsThe easiest way to approach Mother’s Day gifting is to start with her personality, then choose something that fits the way she enjoys life. Binance Pay opens up a wide range of merchant options to explore, with instant, gas-fee-free payments across 100+ crypto assets when it’s time to check out. We hope this guide gives you a little inspiration and helps you find something that truly delights your mom this Mother’s Day.Further ReadingFrom Retail Therapy to Adventure – Top Travel and Lifestyle Merchants to Explore With Binance Pay This SpringBinance Pay to Expand Crypto QR Payments to 10+ Countries by Q3 2026 After $40M MilestoneBinance Pay Surpasses 20 Million Merchants as Stablecoin Adoption AcceleratesDisclaimer: Digital asset prices can be volatile. The value of your investment may go down or up, and you may not get back the amount invested. This content is for general information only and should not be construed as financial or investment advice. For more information, see our Terms of Use, Binance Pay Terms of Use and Risk Warning.

Main Takeaways1.4 billion adults remain shut out of the financial system globally – a dynamic shaped by geography, account access, product minimums, and eligibility rules.Crypto infrastructure changes the economics of access as digital-asset platforms operate across borders, require no minimum balance to enter, and run 24/7.Binance's answer is offering access to the full spectrum of products within one account, enabling users to start where they are and grow on their own terms. In emerging markets, where Binance’s user share rose from 49% to 77%, the platform is increasingly functioning as an integrated financial account.For a long time, access to financial opportunity depended on where you live, how much capital you start with, and whether you qualify for the products that can serve your goals – or even whether you know they exist. All that is largely still true today.The World Bank says 1.4 billion adults globally remain unbanked, even after account ownership rose to 76% of the world’s adult population by 2021. It also notes that inclusive finance supports growth and resilience, while digital financial services can reduce costs and expand access These gaps shape who gets to save and move money efficiently, invest beyond basic products, and capitalize on the opportunities that arise in fast-moving financial markets. Financial access is thus one of the defining questions of the next era of finance. Here is how crypto infrastructure and Binance’s product vision contribute to expanding access for hundreds of millions worldwide.Crypto Changes the Structure of AccessIn some places, the first barrier is basic account access. Without it, the rest of the financial system remains out of reach. In other cases, the barriers come later, in the form of high account minimums, complex onboarding requirements, or eligibility standards that limit advanced opportunities reachable to wealthier and more sophisticated users.Geography, infrastructure, starting capital, and the very design of the system itself stack on top of each other to restrict access for hundreds of millions around the world.Emerging as a fundamentally new asset class, crypto has also introduced a new kind of infrastructure along the way. Digital-asset platforms are available through smartphones, operate across borders, and can support fractional participation, 24/7 markets, and faster movement between financial activities – changing the economics of access and representing a more direct path into financial participation.A person who may have had limited access to traditional investment products can hold digital assets, earn yield, use on-chain services, make payments, or engage with global markets through one digital account and one mobile interface.Binance’s Answer: The Full Spectrum of ProductsFinancial access becomes an especially powerful tool for improving lives when users can do more once they are inside the system. That includes being able to choose between products that serve different goals: capital preservation, passive yield, market exposure, on-chain participation, payments utility, or more sophisticated trading tools.A healthy financial experience is not one-size-fits-all; it gives users a broader spectrum of options and lets them choose based on their own risk tolerance and level of experience. A platform that offers only one narrow entry point can help users begin, but one that brings together trading, payments, earning opportunities, and on-chain utility can help users stay, grow, and participate more fully over time.At Binance, we think about access as range. A more inclusive financial system should make it possible for people with different goals, levels of experience, and risk tolerances to find products that fit how they want to engage with money and markets.When a range of options exist within one platform, access becomes more practical and durable. Users can start where they are, choose tools that match their needs, then expand their participation over time as their knowledge and confidence grow, and objectives evolve.The chart below illustrates that spectrum, which, for us, is a product roadmap rather than a marketing claim. Expanding financial opportunity is the organizing principle behind every layer of what we've built: from lower-risk, capital-preservation tools for those just entering the system, to high-return opportunities for the most sophisticated participants.*Note that risk is always proportional to return potential.This integrated approach also reflects how crypto is evolving as users are looking for ways to participate in digital finance more fully. Binance’s role in that shift is about more than just scale (though scale helps): the vision is to build a platform where more of those financial functions can come together in a usable way.Binance: Expanding Financial Access in Emerging MarketsBinance has steadily extended its reach into emerging markets since 2020, with users representing such markets – classified using the World Bank's income-level methodology – rising from 49% of the platform's user base in 2020 to 77% in 2026. The trajectory reflects active and growing demand across diverse income environments for a broader range of financial services: savings instruments, cross-border payments, and capital market access delivered through a single, mobile-native platform. As on-chain infrastructure matures, Binance has scaled to meet that demand at a pace and geographic breadth that conventional financial channels have not matched.Figure 1. Growing adoption among Binance users in emerging markets. Source: Binance Research.At the same time, the platform's practical utility extends well beyond spot and derivatives trading: Binance platform data shows that users actively engaging with two or more products account for 24% of total active users, while those using three or more account for 14%, and 83% of this multi-product cohort are based in emerging markets. This breadth of engagement indicates that Binance is being used as an integrated financial account, supporting payments, savings, and yield generation alongside crypto investing.A savings-oriented allocation pattern on the platform reinforces this interpretation: today, approximately 28% of Binance users with portfolio balances of at least $10 hold a minimum of half their portfolio in stablecoins, up from 4% in 2020. The behavior is most concentrated in emerging markets, with 73% of all stablecoin savers on Binance globally based in such countries – reflecting both the broad appeal of dollar-denominated yield instruments and the platform's capacity to serve users with diverse financial objectives across varying income environments.Final ThoughtsExpanding financial opportunity starts with expanding access, but meaningful access goes further than onboarding alone.For too many people, financial participation has historically come with high barriers and limited product choice. Digital-asset infrastructure can help lower some of those barriers by making finance more available through digital-first experiences. Yet, broader access also depends on offering people more than one way to participate.That means creating pathways for different needs and different starting points. When a platform can support the full spectrum, it can serve more people more effectively – and that is what we are building toward at Binance. We believe that the next era of finance will not be defined only by whether markets are open, but by whether more people can actually navigate them in ways that fit their circumstances.Further ReadingBinance Pay to Expand Crypto QR Payments to 10+ Countries by Q3 2026 After $40M MilestoneThe Next Three Billion Users And The Widening Addressable Market for Digital FinanceThe TriFi Superapp: The Convergence of TradFi, CeFi, and DeFi on BinanceDisclaimer and Risk Warning: Digital assets are subject to high market risk and price volatility. The value of your investment may go down or up, and you may not get back the amount invested. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. Past performance is not a reliable predictor of future performance. You should only invest in products you are familiar with and where you understand the risks. You should carefully consider your investment experience, financial situation, investment objectives and risk tolerance and consult an independent financial adviser prior to making any investment. This material should not be construed as financial advice. This product may not be available in certain countries and to certain users. This content is not intended for users/countries to which prohibitions/restrictions apply. For more information, see our Terms of Use and Risk Warning.

Main TakeawaysBinance is launching a Team Binance football jersey, representing our community of over 300 million users worldwide.Ten winners will receive an exclusive Binance jersey and 100 USDC; enter by following @Binance, retweeting, and completing the survey.Stay tuned to our socials for announcements on upcoming events, meetups, and activations in cities around the world.Binance is launching its Team Binance football jersey to celebrate our global community of over 300 million users.Unveiling this jersey means so much more than just another piece of merchandise. Wearing this jersey – in our signature black and yellow colors – is a statement of Binance pride, and a tribute to our resilience, perseverance, and shared journey, as one community, over the past 9 years. Even if you weren’t here from the start, you’re still part of the team.Giveaway: Win a Binance Jersey and 100 USDCTo celebrate this milestone, we’re giving away a limited number of jerseys. Ten winners will be selected based on the creativity, authenticity, and uniqueness of their responses. Each winner will receive an exclusive Binance jersey and 100 USDC.To enter the giveaway:Follow @Binance on X and retweet the giveaway postTell us why this jersey belongs in your collection ⚽Complete the surveyENTER THE GIVEAWAYSee You This SummerThis jersey is just the beginning. Over the coming months, Binance will be bringing the celebration to your neighborhood. Stay tuned to our socials for announcements on upcoming events, meetups, and activations.Further ReadingTeam Up and Score with BinancePick Your Shots: Redefining Success in Crypto and CricketTune In For Binance Online – A New Global Event Featuring Crypto's Most Influential Voices

Main TakeawaysBinance P2P has introduced a powerful new tool, Merchant Vouchers, to better promote seller ads and increase engagement in the marketplace. Verified P2P merchants can now create and manage customized rebate campaigns integrating Vouchers directly into new and existing ads.For sellers looking to stand out to first-time buyers or retain customers, P2P Merchant Vouchers offer a simple way to boost P2P traffic by incentivizing orders.Binance P2P is constantly evolving to give merchants more power, more flexibility, and more ways to grow. Merchant Vouchers, the latest addition to the platform, is a game-changing feature that lets verified merchants run their own rebate campaigns directly on their P2P ads.What Are Binance P2P Merchant Vouchers?Binance P2P Merchant Vouchers are a customizable rebate tool available exclusively to verified merchants. With this feature, merchants can create targeted campaigns right on their P2P ads – offering rewards that incentivize buyers to choose specific listings the merchants wish to promote.Merchant Vouchers give sellers full control over their promotional strategy, all within the Binance P2P platform. With this feature, merchants can create customized rebate campaigns directly on their P2P ads, rewarding buyers and attracting more orders.It's a direct, in-platform way to stand out, drive volume, and build a loyal customer base.Why Use Merchant Vouchers on Binance P2P?Built for merchants looking to attract new buyers or reward the ones who keep coming back, this tool puts promotional control firmly in merchants' hands, enabling them to design and launch rebate campaigns on their own terms, without relying on platform-wide events. By offering buyers a direct incentive at the point of trade, merchants can expect to see increased engagement on their ads, including interest from first-time buyers who might otherwise scroll past. In a competitive P2P marketplace, Merchant Vouchers offer a concrete edge:Attract first-time buyers: A well-placed voucher can nudge a new user to pick your ad. First impressions matter – and a rebate offer makes a listing memorable.Reward loyal customers: Merchants can show appreciation to returning buyers in a tangible way, turning one-time trades into long-term relationships.Full control over promotional strategy: Merchants can adjust their own campaign parameters, without waiting for platform-wide promotions or third-party tools.More orders, less effort: By making ads more attractive, Vouchers naturally drive higher order volume without requiring merchants to constantly adjust pricing or manually outbid competitors.Built into the platform: Everything happens within the Binance P2P interface in a way that is seamless, secure, and familiar for both merchants and buyers.How to Create a Binance P2P Merchant Voucher How to Add a Voucher to an Existing P2P Ad1. Go to the Merchant Portal and click [Vouchers] to access the Vouchers Dashboard.Voucher Dashboard in Merchant Portal 2. Click [Create New Voucher] to start a campaign.Click [Create New Voucher] 3. Customize the P2P Voucher campaign by completing all required fields, including target audience, reward coin, rebate type, total budget, and expiry date.Voucher creation form 4. Once all fields are complete, the voucher will be applied to your ad and your campaign will launch immediately.How to Add a Voucher to a New P2P Ad1. You can also attach a voucher at the time you are creating a new P2P sell ad. During ad creation, scroll down to the Rewards section and click [+ Add] to select an available voucher.Rewards section during ad creationSelect voucher to apply to adHow Binance P2P Vouchers Work for BuyersSome vouchers will be designated for new customers only; others for returning buyers. The reward’s amount and currency will depend on the merchant's voucher campaign settings.How to Find a Voucher-Enabled AdWhen browsing P2P listings, keep an eye out for ads with a voucher indicator. This means the merchant has attached a reward to that ad, and if you qualify, you'll automatically receive a rebate when the trade is completed.Voucher indicator on P2P adVoucher indicator on P2P adHow Rewards Are DistributedRewards are applied automatically; no manual claim is required. They are credited to your Funding Account upon order completion. You can check your reward amount in the Order Details section.Check Order Details for reward confirmationFor more information, visit Frequently Asked Questions on P2P Merchant Vouchers.Final Thoughts More than just a promotional feature, Merchant Vouchers signal where P2P trading is heading: toward greater merchant autonomy, smarter buyer incentives, and a more dynamic marketplace overall.For merchants prioritizing long-term growth, consistent use of voucher campaigns has contributed to healthier repeat order rates and a more loyal customer base. Merchant Vouchers give P2P merchants a smarter, more proactive way to compete and grow in the marketplace.If you're a verified merchant looking to grow your P2P business, now is the time to explore what vouchers can do for you. What kind of campaign will you run first?To get started, access your Binance P2P merchant dashboard and explore the feature today.Further ReadingHow to Manage Your P2P VouchersGuidelines for Use of P2P Merchant Voucher Management ToolWhat Is the Binance P2P Merchant VIP Program?Frequently Asked Questions on P2P Merchant VouchersDisclaimer: Digital asset prices can be volatile. These fluctuations may affect the value of digital assets you buy or sell on the Binance P2P platform, which may be lower or higher at the time of and after completion of the transaction. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. By using the Binance P2P platform you trade digital assets directly with other users. Binance facilitates transactions by releasing the digital assets once the offline fiat currency exchange is confirmed by both parties. The trading amount, price and conditions of each advertisement are set by the user publishing it. All payments are final upon completion, unless otherwise required by law. Binance has neither the right nor the obligation to resolve any disputes arising from a completed payment. Binance is not liable for any loss you incur in connection with a completed payment. Not financial advice. For more information, see our Terms of Use and Risk Warning.

Main TakeawaysThe complete Binance Online agenda is now live, with programming running May 13 from 11:00 AM UTC live on Binance Square.The event features conversations with Binance leadership, blockchain founders, institutional finance executives, investors, researchers, and media voices.Session themes span Binance's next chapter, crypto market outlook, Bitcoin's future, BNB Chain roadmap, AI and tokenization, plus $10,000 in giveaways.The Binance Online agenda is here. Across more than four hours of programming, you'll hear from some of the most influential voices in crypto and traditional finance discussing the ideas, trends, and technologies defining the industry's next chapter.Now, with the full agenda listed below, you can see exactly how we're bringing that conversation to life. In addition to the insightful sessions and $10,000 rewards giveaway, all participants that pre-register and attend the event on Binance Square will share a 3,000 USDC reward pool. Read on to learn what to expect.The Binance Online Agenda | Times, Speakers & Sessions11:00 UTC | Jessica Walker | Opening CommentsOpening remarks to welcome viewers and set the stage for the conversations ahead.11:14 UTC | Yi He (Co-CEO, Binance) | Richard Teng (Co-CEO, Binance) | 300 Million to 3 Billion | The Next Phase of BinanceBinance leadership shares its vision for scaling crypto globally and how the platform and industry are evolving to serve the next wave of users.11:40 UTC | Lily Liu (President, Solana Foundation) | Brad Garlinghouse (CEO, Ripple) | Richard Teng (Co-CEO, Binance) | The Evolution EraA discussion on where crypto is heading, from scalability and developer adoption to real-world utility and institutional integration.12:10 UTC | Chamath Palihapitiya (Venture Capitalist & Entrepreneur) | CZ (Giggle Academy & Binance Founder) | Anthony Pompliano (Founder & CEO, Professional Capital Management) | Where Smart Money Is Moving NowA look at where capital is flowing now, which narratives are gaining momentum, and how leading investors are reading the market.12:40 UTC | A Message from the Binance Community | Humans of BinanceA segment highlighting the people behind Binance and what drives their crypto journeys.12:50 UTC | Nina Rong (BNB Chain Leadership) | Architecting Discovery: Stablecoins, RWAs, and Agentic FinanceAn update on BNB Chain’s priorities and upcoming developments.13:10 UTC | Guy | Nic Puckrin | The Coin Bureau | Crypto Trends from the Leading CreatorsThe Coin Bureau team breaks down the trends and narratives shaping how millions engage with the market.13:35 UTC | A Message from the Binance CommunityA segment spotlighting the voices and energy helping grow the crypto ecosystem from the ground up.13:45 UTC | Ryan Celaj (Head of Research, DL Research) | Not Your Average Joe (Research Manager, Messari) | Alice Lui (Research Lead, CoinMarketCap) | BYOR | Build Your Own Research FrameworkA practical session on building stronger research frameworks and navigating the market more effectively as an investor or builder.14:10 UTC | Adam Back (CEO, Blockstream) | Gareth Jenkinson (Head of Multimedia, The Block) | Why We're All Satoshi & What's Next for BitcoinA perspective on Bitcoin’s foundational ideas, cypherpunk roots, and long-term significance from one of its most influential figures.14:35 UTC Thomas Gregory (VP of Payments & Fiat, Binance) | Binance Beyond Trading: Building Everyday Crypto UtilityA conversation on what it takes to make crypto feel seamless in daily life, and what the path to a true financial super app looks like.14:50 UTC | Ella Zhang (Head of YZi Labs) | Bridging Blockchain, AI, and the Future Wave of Frontier TechA look at how blockchain and AI are converging and what that could mean for innovation, infrastructure, and investment.15:05 UTC | Rob Goldstein (COO, BlackRock) | Kaiser Ng (SVP of Finance, Binance) | Tokenizing the Capital MarketsA conversation on how tokenization is reshaping traditional finance and becoming part of how major institutions think about the future.15:25 UTC | ClosingJoin Us for the Conversations That Matter With a lineup spanning Binance leadership, blockchain founders, institutional finance executives, venture capitalists, researchers, and media voices, Binance Online offers a front-row seat to some of the most important conversations in crypto today. Don’t forget that we’ll also be giving away $10,000 in crypto rewards live at the event along with a 3,000 USDC pool shared equally among those who pre-register and attend the event on Binance Square!Join us live on May 13 from 11:00 AM UTC for what promises to be an online event unlike any other.Binance Online is proudly supported by partners including Fusionist, Pixels, Chromia, Epic and Zerobase. All sponsorship of the event will support two education-focused charitable initiatives – the UZH Blockchain Center at the University of Zurich to support student enrollment in its Deep Dive into Blockchain summer program and also Geeks Academy in Kyrgyzstan to expand access to online courses on cryptocurrency and blockchain technology.Pre-register on Binance Square to join the event from 11:00 AM UTC on May 13 and be part of the conversations that will define the industry’s next chapter!Pre-registration Reward Pool Terms & ConditionsThis activity may not be available in your region. The USDC rewards pool will be divided equally among all qualified users.The rewards will be distributed within 30 working days after the activity ends. Illegally bulk registered accounts or sub-accounts shall not be eligible to participate or receive any rewards. Binance reserves the right to cancel a user’s eligibility in this activity if the account is involved in any behavior that breaches the Binance Square Community Management Guidelines or Binance Square Community Platform Terms and Conditions.Binance reserves the right at any time in its sole and absolute discretion to determine and/or amend or vary these terms and conditions without prior notice, including but not limited to canceling, extending, terminating or suspending this activity, the eligibility terms and criteria, the selection and number of winners, and the timing of any act to be done, and all participants shall be bound by these amendments.Binance reserves the right of final interpretation of this activity.Where any discrepancy arises between the translated versions of this announcement and the original English version, the English version of this announcement shall prevail.Further ReadingTune In For Binance Online – A New Global Event Featuring Crypto's Most Influential VoicesThe Next Three Billion Users And The Widening Addressable Market for Digital FinanceThe TriFi Superapp: The Convergence of TradFi, CeFi, and DeFi on Binance

Main TakeawaysBinance Pay has processed over $280 billion since 2021, demonstrating that crypto payments can scale globally, including $40 million in QR payment transactions processed in just one year across six countries.Binance Pay taps into existing consumer behavior by integrating with local QR payment infrastructure, enabling international tourists in Vietnam to pay using Binance Pay QR and Latin America users to pay across supported countries in the region.With Binance Pay QR live in six markets today and targeting over 10 countries by Q3 2026, this expansion is propelling crypto payments toward becoming a mainstream tool with everyday utility.Today, tapping a card or scanning a QR code is second nature for people across much of the world. By integrating into these existing payment habits, Binance Pay is bringing crypto into everyday life in a way that feels familiar, intuitive, and immediate.Since 2021, Binance Pay has processed more than $280 billion in transaction volume – a clear signal of its real-world relevance and growing role in global payments. Building on this scale, we’re aiming to expand Binance Pay QR integrations with local QR payment networks into at least 10 new markets this year, with the goal of making paying with crypto as effortless as any other method, one scan at a time.Addressing the Market GapWith more than 700 million users globally, including over 315 million on Binance, crypto adoption has already reached meaningful scale. At the same time, retail crypto transactions increased by over 125% year-on-year in 2025, reflecting a clear and growing demand to actually spend digital assets, not just hold or trade them.What has lagged behind is the infrastructure. Traditional cross-border payments still involve delays, fees, and fragmented processes. For crypto users, turning assets into spendable value can often require multiple steps, from transfers to exchanges to cash-out processes, each adding friction. These limitations stand in contrast to the speed and flexibility digital assets are meant to offer.With Binance Pay’s integration with local QR networks, this gap is being closed. Users can spend crypto directly, including at smaller businesses, through simple QR scans that align with how modern payments already work. There is no need to cash out first or navigate additional conversion steps – crypto moves straight into everyday spending in a way that feels natural and accessible.Integrating with Existing Local QR NetworksQR payments have become one of the most widely adopted payment methods globally. Across markets, scanning to pay is now part of people’s everyday routines, with global mobile QR payments projected to reach $8 trillion by 2026, and Asia Pacific accounting for more than half of that volume.The simple, low-cost, and highly accessible nature of QR payments makes them especially popular among small businesses that cannot easily absorb the additional fees associated with traditional card networks. For users, the experience is just as compelling as scanning to pay is often faster and more convenient than digging out cash.Building on this existing foundation, Binance Pay is enabling crypto payments within the same QR flow. By integrating with local QR standards, users can pay with crypto at the same merchants they already frequent, without the need for new hardware on the merchant’s end.In this sense, paying with crypto becomes a natural next step from paying with fiat. With more than $40 million in QR payment transactions processed by Binance Pay in just one year across six countries, this model has already proven its effectiveness, setting a strong foundation for expanding access to the next wave of users.From Latin America to AsiaThe journey began in Latin America in May 2025, where Binance Pay gradually rolled out QR payments in phases. There, payments started to blend into everyday spending, used at major retailers and familiar touchpoints in daily life. Registered users in Latin America can scan local QR codes and pay with crypto when traveling across supported countries, making cross-border payments easier.The expansion into Asia brought a different dimension. In Vietnam, users can scan VietQR to pay, allowing international tourists to use familiar local QR codes and pay seamlessly with crypto, showing how the same infrastructure can support both local adoption and cross-border mobility.By offering real-time settlement and eliminating transaction fees, Binance Pay removes many of the traditional barriers associated with cross-border payments. In practice, this means an international traveler can step off a plane in Vietnam, walk into a café, and simply scan the merchant’s QR code using the Binance app, without having to carry local cash, think about exchange rates or ATM withdrawals.The usage patterns are equally telling. The median tourist transaction in Vietnam is under $10, reflecting small, frequent purchases such as meals, coffee, or convenience store purchases just like cash or cards for everyday spending.Since going live, Binance Pay’s QR network integrations have handled $40 million in transaction volume, with 13% month-on-month growth from March to April 2026. This points to steady, practical usage rather than one-off experimentation.Accelerating Crypto as Payment as the New NormWe believe that crypto has always been meant to be a medium of exchange. With Binance Pay QR Payment solution, our goal is to make this a consistent and reliable experience wherever users are, so the payment journey feels familiar even when the environment isn’t. With that in mind, we aim to bring this to reality at scale, with plans to expand into at least 10 countries by Q3 2026 – beyond Asia and Latin America.How to use Binance Pay to Scan QR and Pay?Open the Binance App.Tap the [Scan] icon at the top right of the homepage to open the scanner.Scan merchant's QR code.Enter the payment amount directly when prompted and choose your desired cryptocurrency to pay with.Confirm the transaction in the app. Binance will automatically convert your crypto at the point of payment based on the current market rate. For more information, click here.Final ThoughtsAs crypto adoption grows and payments infrastructure continues to converge, digital assets increasingly provide everyday utility. With Binance Pay QR Payment, value can move instantly, globally, and without unnecessary friction. One scan at a time with Binance Pay QR, we believe crypto is moving closer to what it was always meant to be – not just something to hold, but something to use.Further ReadingBinance Pay Surpasses 20 Million Merchants as Stablecoin Adoption AcceleratesFrom Retail Therapy to Adventure – Top Travel and Lifestyle Merchants to Explore With Binance Pay This SpringBinance Pay Partners with Scan To Pay to Expand Crypto Spending Across South Africa

Main TakeawaysWe have launched seven new localized WhatsApp channels to share official updates and educational content in local languages across India, Ukraine, Kazakhstan, Mexico, Peru, Colombia and the Russian-speaking community.Follow only official Binance channels, and verify them by checking the Meta-verified badge on WhatsApp or confirming the source via Binance Verify.WhatsApp channels complement Binance's existing community touchpoints, including Telegram and Discord, giving users more ways to stay informed through verified sources.WhatsApp is one of the world’s most widely used messaging apps, connecting more than two billion people globally. Since launching our official, Meta-verified WhatsApp presence in 2024, we have used the channel to share reliable Binance updates and educational materials in a format that is easy to access on a smartphone, especially for users who prefer to receive information where they already communicate day to day.Today, we are expanding that approach with seven new localized WhatsApp channels, designed to meet users where they are, with region-relevant updates and educational content in local languages.Seven New Localized Binance WhatsApp ChannelsUsers can now choose to join any of the following official Binance WhatsApp channels:Binance India (India): EnglishBinance Ukraine (Ukraine): UkrainianBinance Russian-speaking community: RussianBinance Kazakhstan (Kazakhstan): KazakhBinance Mexico: SpanishBinance LATAM | Peru: SpanishBinance LATAM | Colombia: SpanishThese channels are one-way. They are intended for sharing official company news, product updates, event announcements, and educational content about Web3, blockchain, and crypto.Users may also join the official English-language Binance WhatsApp Global channel.Why Binance is Expanding on WhatsAppWe built our WhatsApp presence to serve two practical goals: improve access to trustworthy information, and reduce the risk of misinformation and impersonation scams on messaging platforms. That remains the focus as we expand into localized channels.For newcomers, the WhatsApp channels also make it easier to discover educational resources and learn core concepts such as blockchain, DeFi, tokenomics, and smart contracts, with direct pathways into relevant Binance Academy and blog content.How to Verify an Official Binance WhatsApp ChannelImpersonators can copy display names, profile photos, and writing style. The safest approach is to verify first and engage second.Before you follow or trust a WhatsApp channel claiming to be Binance, verify it using both of the following checks:Look for the Meta verified badge (blue check) on the WhatsApp channel.Confirm the source via Binance Verify (for example, by validating a channel link, sender details, or official source reference).If a channel, link, or contact cannot be verified, treat it as untrusted, and do not proceed.What Binance Will Never Ask You to Do on WhatsAppWhatsApp Channels are for one-way updates. Binance will not ask you through WhatsApp to share sensitive information, including passwords, private keys, or 2FA codes. Always double-check links, and only rely on official Binance domains and verified Binance channels. If you are unsure, stop and verify through official channels before taking any action.Stay Connected Across Binance’s Official ChannelsWhatsApp is one part of Binance’s broader set of official communication channels. Our Telegram channels and Binance Discord server remain available, so users can choose the platform that works best for them.Final ThoughtsAs crypto adoption grows globally, the ability to access accurate information quickly matters. By expanding our Meta-verified WhatsApp channels into localized experiences, we aim to make it easier for users to receive official updates and education in the languages and on the platforms they use every day, while keeping verification and safety front and center. Follow only verified Binance WhatsApp channels, and use Binance Verify whenever you need to confirm whether a channel or link is official.Further ReadingBinance Launches Official Channel on WhatsApp – Here’s What You Need to KnowBinance VerifyBeware of WhatsApp Scams – And How to Report One When You See It

Main TakeawaysWithdraw Protection is a new Binance security feature that blocks all withdrawals for a lockdown window you set, between 1 and 7 days.It's designed for scenarios where digital safeguards like 2FA and passwords can't help — specifically, when you are being pressured in person to move your funds.By default, a lockdown can't be ended early by anyone, including you. An optional "Allow early unlock" setting is available for users who want more flexibility.Most security advice you'll read about crypto assumes that the threat is digital. Some of the main threats include malicious phishing links, imposter scams, SIM swaps, and compromised seed phrases – and the industry has built strong defences against them.But there's a category of risk those defences don't cover: physical coercion. These are situations where someone is pressured, in person, to move their own funds. Such cases are rare, but when they happen, the losses can be severe and irreversible.When activated, Withdraw Protection blocks all on-chain withdrawals from your Binance account for a preset lockdown window. During that window, no one, including yourself, can move your crypto off the platform.How Withdraw Protection WorksYou can enable Withdraw Protection from your account settings. Once it's active, on-chain withdrawal requests are blocked for the duration of the lockdown window you've chosen. You can set it from 1 to 7 days; the default window is 48 hours. When activating Withdraw Protection, the default setting is a full lockdown that cannot be overridden by anyone, including yourself. This is designed for users who want certainty that their wealth is immune to any form of pressure or coercion.If you want more flexibility, toggling [Allow to unlock in advance] lets you end the lockdown before the window closes, using your security key and authenticator app. You can optionally add a confirmation sent to a separate phone number or email address as an extra security step.The rest of your Binance account continues to function normally during a lockdown. You can still trade, hold positions, and access your account. Only withdrawals are restricted.As a best practice, you should still use multi-factor authentication, withdrawal whitelists, anti-phishing codes, and passkeys where possible. Withdraw Protection is specifically designed to address physical security concerns that the other layers cannot.How to Activate Withdraw Protection on BinanceYou can activate Withdraw Protection from either the Binance app or the web. On the appOpen the Binance app and tap the [Account Centre] icon on the home screen.Tap your profile to open [Account Info].Tap [Security] → [Withdraw Protection].Choose your lockdown period (1 to 7 days, default 2), decide whether to allow early unlock, and tap [Confirm].iOS users must be on iOS 16 or above and app version 3.14.0 or above to use this feature.On the webLog in and go to [Profile] → [Account].Open [Security] → [Advanced Security] → [Withdraw Protection].Set your lockdown period, choose your unlock settings, and confirm.Configuring your settingsSet your lockdown period at any length between 1 and 7 days. The default window is 2 days.[Allow to unlock in advance] is toggled off by default. Leaving it off means the lockdown runs its full course. Turning it on requires you to set up a security key and authenticator app as verification methods, with phone and email as optional additional steps.Once confirmed, you'll see when your lockdown ends. If you enabled early unlock, an [Unlock in advance] button will appear on the same screen.Security Checklist: Tips to Protect Your Binance AccountNo single feature covers every scenario. Below is a list of ways to safeguard your account from both hackers and physical threats.Don't publicly disclose holdings or trading activity: Screenshots of balances, P&L posts, and detailed public commentary on positions are the single most common way traders become identifiable as holders of significant funds.Use withdrawal whitelists: Restricting outgoing transfers to a short list of pre-approved addresses removes a large fraction of attacker options, even if your account is compromised.Turn on biometric login: Face or fingerprint verification ties account access to your physical device, which is significantly harder to compromise than a password or a one-time code.Use passkeys where available: Use this passwordless login method that relies on cryptographic verification stored on your device. Passkeys remove the main attack surface for phishing and SIM-swap attacks, and make signing in faster on supported devices.Set an Anti-Phishing Code: Once activated, this unique 8-character code appears in every official Binance email sent to you. If a message claims to be from Binance and the code is missing or wrong, it isn't from Binance.Final ThoughtsBinance is committed to building the safest platform to store your funds. With Withdraw Protection, you now have the capability to protect yourself from physical threats.It’s not a feature we expect most users to need often, but it exists for the moments when they do. You can turn it on in your account security settings in under a minute.Further ReadingHow to Set Up Withdraw Protection on Binance?What Is Smishing? How to Protect Your Binance Account With an Anti-Phishing CodeBinance Wallet Security Center – Designed to Identify, Assess, and Manage Potential Threats Across DeFi

Main TakeawaysBinance Online, our brand-new global virtual event featuring exclusive roundtables, interviews, and community conversations, launches on May 13 at 11:00 AM UTC. The event brings together leading perspectives across institutional finance, blockchain infrastructure, market analysis, and Binance leadership.Viewers can join live AMAs, tune in for exclusive discussions, and take part in $10,000 in giveaways across the event.The crypto industry is at an inflection point. Stablecoins are reshaping how value moves across borders. Major institutions are deepening their engagement with digital assets. And more sectors are beginning to explore what it means to operate on crypto rails, from payments and capital markets to internet-native business models.Simultaneously, the rapid advancement of AI is fundamentally reshaping finance itself. From algorithmic and agentic trading and risk management to personalized financial services and fraud detection, AI is accelerating how finance operates. The conversation is no longer just about whether crypto will matter, but about how it will scale, integrate with existing systems, and evolve alongside transformative technologies like AI. The next phase of adoption will be shaped by this intersection.Against this backdrop, streaming live on May 13 from 11:00 AM UTC, Binance Online will feature more than four hours of exclusive programming, including roundtables, interviews, and community segments with some of the most recognized names across crypto, markets, media, and financial ecosystem leadership.A First Look at the Speaker LineupAdam BackCEO of BlockstreamThe creator of Hashcash and a central figure in the cypherpunk movement of the 1990s, Back brings a perspective rooted in decades of experience at the intersection of cryptography and digital money. His proof-of-work system became a direct technical precursor to Bitcoin's mining mechanism, and the New York Times recently named him one of the most credible candidates to be Satoshi Nakamoto, citing his cryptographic expertise and early correspondence with Bitcoin's pseudonymous creator. Back has denied it, but as CEO of Blockstream, one of the most influential Bitcoin infrastructure companies in the world, he remains one of the clearest windows into both where Bitcoin came from and where it is going.CZFounder of Binance & Giggle AcademyCZ brings an unmatched vantage point on how global crypto markets move, where retail and institutional demand converges, and how regulatory pressure shapes the industry in real time. Few people have operated at the scale he has or navigated the complexity he has seen firsthand. He appears here alongside a very special guest — more details to follow on that soon!Anthony PomplianoFounder & CEO of Professional Capital ManagementPompliano has become one of the most recognizable voices connecting crypto, macro trends, and market sentiment for a broad global audience. His ability to frame digital assets within larger economic and financial narratives makes him essential for understanding what institutions and individuals are paying attention to now.Rob GoldsteinCOO of BlackRockGoldstein represents the world's largest asset manager and brings a critical institutional perspective. BlackRock's growing involvement in the digital assets space – from cryptoasset ETPs to tokenized funds – underscores the reality that digital assets are an integral part of how the world’s largest financial institutions think about the futureChamath PalihapitiyaVenture Capitalist & EntrepreneurPalihapitiya brings a perspective shaped by technology, venture capital, and long-term innovation, making him a closely watched voice in conversations around where digital assets and AI fit into the wider future of internet-powered finance.Brad GarlinghouseCEO of RippleGarlinghouse offers insight from one of the most established companies in blockchain, particularly around payments, financial infrastructure, and real-world utility. His work on cross-border payments and central bank digital currencies connects crypto to some of the most pressing challenges in global finance.Lily LiuPresident of the Solana FoundationLiu brings the perspective of a major blockchain ecosystem at the center of ongoing conversations around scalability, developer growth, and on-chain applications. Solana's focus on high-performance infrastructure reflects where much of the industry's technical innovation is heading.Guy Turner & Nic PuckrinCoin BureauCoin Bureau’s Guy and Nic add a media and market education lens familiar to millions of crypto users worldwide. Their ability to break down complex topics for a global audience makes them essential voices in helping the community understand what's happening across markets and ecosystems.Yi He & Richard TengCo-CEOs of BinanceBinance Online will also feature Yi He and Richard Teng, giving viewers the opportunity to hear from and engage directly with Binance leadership as the company continues to play a central role in the global digital-asset ecosystem.More Than a BroadcastAlongside featured speaker sessions, Binance Online will include a chance for the community to engage directly, as well as $10,000 in rewards giveaways throughout the program.These interactive moments are a key part of the experience. Crypto has always been shaped by the community, and Binance Online is built to reflect that spirit by combining headline conversations with real-time participation.Binance Online is also proudly supported by partners including Fusionist, Pixels, Chromia, Epic and Zerobase. Their and Binance’s contributions will go toward two education-focused charitable initiatives. $35,000 will be donated to the UZH Blockchain Center at the University of Zurich to support student enrollment in its Deep Dive into Blockchain summer program, helping broaden access to high-quality blockchain education for students and young professionals. Binance will also donate $15,000 to Geeks Academy, Kyrgyzstan’s largest IT academy, to expand access to online courses on cryptocurrency and blockchain technology. Educational initiatives under this grant may also receive support from the Secretary of the National Council for the Development of Virtual Assets and Blockchain Technologies under the President of the Kyrgyz Republic.How to Participate in Binance OnlineWith a strong first wave of speakers representing markets, institutions, ecosystems, and platforms, plus more names still to be revealed, Binance Online is set to be a standout new event on the global crypto calendar.Tune in to the preview show, Binance Online | Setting the Stage, live on Binance Square on May 6 at 1 PM UTC, to dive into the agenda and hear about the topics due to be discussed. Hosted by our very own Jessica Walker and with appearances from Binance leadership and sponsors, it’s the perfect way to get ready for Binance Online.Pre-register on Binance Square to join the event from 11:00 AM UTC on May 13 and be part of the conversations that matter!Further ReadingThe Next Three Billion Users And The Widening Addressable Market for Digital FinanceThe TriFi Superapp: The Convergence of TradFi, CeFi, and DeFi on BinanceA Letter to the 300 Million Walking With Us

Main TakeawaysThe next wave of crypto adoption will be driven by not only and not primarily by trading crypto in spot and derivatives markets – multi-asset expansion, payments, tokenization, event markets, AI and social integrations are widening crypto's addressable value space.Binance is building toward a vision that combines AI, community, yield, payments, and on-chain services into a more integrated user experience.This approach can help bring institutional-grade financial capabilities to billions of people around the world.For years, crypto platforms competed on a familiar set of criteria: liquidity, market depth, product range, execution speed. Working to optimize for those strengths helped define the exchange era and brought hundreds of millions of users into digital assets. As we enter the next phase of growth, the industry is facing a fundamental question: what kind of financial platform do the next billion users need?At Binance, we believe the answer goes far beyond trading. Simply making markets more efficient won’t be enough to attract and serve billions of global users. They will only come when finance becomes easier to understand and access, and more useful in everyday life, and when intelligence, community, yield, payments, and on-chain services work together in one connected experience. That is the direction powering Binance forward.The Exchange Era: Opening the DoorThe first generation of crypto platforms solved foundational problems, giving users a way to access and trade digital assets, and move capital across borders with greater speed and flexibility than many traditional systems allowed. That was a historic step forward that created the rails for a brand-new kind of financial participation.But as the industry matures and technology evolves, users want more from the platforms they trust. They want help understanding markets, discovering opportunities, managing assets, moving funds, interacting with communities, and putting capital to work over time. In other words, they want finance to feel continuous and connected – and this is where the next chapter begins.For platforms, what is different in 2026 is that the surrounding product space is now large enough for aggregation to pay off. In earlier cycles, trading was mature but the adjacent crypto rails were relatively thin: stablecoins were still small, tokenized assets largely conceptual, payment rails not quite institutional-grade yet, and the regulatory perimeter did not support a broad product set under one roof. Today, each of those constraints has at least somewhat loosened. Just to mention a few: stablecoin circulating supply has climbed above $320B, with monthly on-chain volume reaching $7.2T, even surpassing the U.S. ACH network (the national automated clearing house network for electronic funds transfers) earlier this year; tokenized RWAs have scaled above $25B, leaping from concept to a meaningful and increasingly investable asset class.Taken together, these shifts mean that crypto-native platforms can now become the central interface through which users access the full digital financial experience.A New Kind of PlatformThe next billion users, and then three billion and more, will arrive through payments, yield products, on-chain services, tokenized traditional assets, or community-led discovery in addition to crypto trading. Many will first engage with crypto through a mobile-first experience and expect the platform in front of them to feel intelligent and integrated from day one.On the industry level, the size and structure of the pool makes a strong case for a financial super app to be the most advantageous model for the next stage of the digital finance evolution. Today, the global financial services market size is roughly $36T, payments $788B, and social platforms $208B. At the same time, crypto exchanges sit at around $55B. Capturing even a modest share of these adjacent markets would represent a pool that is orders of magnitude larger than the current base.Figure 1. Crypto Platforms’ Addressable Market Size. Source: The Business Research Company, Statista, Binance Research.Furthermore, crypto rails have demonstrated an excellent ability to verticalize: for example, the same wallet and stablecoin balance can interact with multiple products without moving across different settlement systems (as would be traditional finance’s default approach). A financial super app like one Binance is building can provide continuity and help users move from first interaction to long-term participation without forcing them to rebuild their journey across separate apps, tools, and fragmented identities.For users, finance works better when its core functions are connected. Insight and social discovery become more valuable when they come in close to execution, leading directly into action. Payments, yield, and on-chain tools become more powerful when they are part of the same ecosystem. The future belongs to platforms that can bring these layers together in a coherent way.We expect that as multi-function integration becomes mainstream across the industry, total crypto users could grow rapidly from ~700 million today to around 2 billion by 2030.Figure 2. Crypto Platforms’ Users Historical &Projected Size. Source: Glassnode, Binance Research.Binance’s Four Layers of IntegrationBinance is the place where capital enters the digital-asset space and gets parked and deployed. We are in a pole position given that we already hold the user and funding relationship, and act as one of the few platforms supporting multiple core layers required for a global financial super app, from trading to multi-asset support, wallets, stablecoins, payments, yield, agentic rails, social, discovery, and more.Figure 3. Financial Super App stack coverage matrix. Source: Binance Research, as of April 2026.At Binance, we increasingly see the future in terms of a four-layer structure:Intelligence Layer: AI-driven analysis, insights, and smart execution tools that help users interpret markets and act with greater speed and structure.Community and Social Layer: Spaces where users can discover ideas, learn from others, and participate in the wider crypto conversation through products like Binance Chat and Binance Square.Growth and Yield Layer: Tools that help users manage capital over time, including products related to earning, borrowing, payments, and broader financial utility, like Binance Earn and Binance Pay.The Foundation Layer: The infrastructure that makes the rest possible, including the core exchange, pay, and on-chain services.While each layer matters on its own, their greater significance comes from how they reinforce one another. This kind of integration is what can move digital finance from a collection of products to a more complete operating environment.How AI Changes the EquationAI is becoming one of the most important forces shaping the next generation of financial products.For years, advanced financial tools – automation, research, and execution systems – were concentrated in the hands of institutions and professional or highly technical users. But when intelligence is embedded directly into a widely accessible platform, more users can leverage capabilities that were once out of reach. Market analysis, strategy design, ongoing monitoring and overall financial decision-making become more structured and efficient.This is one of the biggest reasons we believe the next billion users will come through integrated platforms rather than isolated products. Much more than jut another feature category, AI can become the secret sauce that makes the rest of the financial experience easier to use. We believe users should be able to access increasingly sophisticated financial tools through interfaces that feel intuitive and mobile-native. That is a major part of how digital finance can become a substantially larger and more inclusive system.The Road to 3 BillionBinance’s vision of 3 billion users is ambitious, as it should be. Reaching that scale will require financial products that meet people where they are and help them do more once they arrive. We believe the path forward lies in integration. When AI, community, trading, payments, and on-chain infrastructure work together, finance becomes easier to access and more useful to a much broader set of users.We are building toward that vision by bringing together the key layers: intelligence, community, growth, and foundational infrastructure. Each layer expands what users can do; together, they drive a bigger shift in how people participate in digital finance.Further ReadingThe Rise of Binance as the 24/7 Global Market – From Crypto to TradFi PerpetualsFrom Zero to a Global Pricing Hub: Binance TradFi’s First 90 DaysBinance Powers Toward 3 Billion Users With an Everyday Financial App Vision

Main TakeawaysThe gap between institutional trading desks and retail traders has narrowed, as AI tools are becoming increasingly available to everyday users.Three active Binance Square creators — Ghost Writer, Ram, and CryptoWarehouse — walk through how they’ve integrated Binance Ai Pro into their trading workflows.Binance Ai Pro is available in Beta at a discounted price of $9.99/month, with a 7-day free trial for traders who want to test the product.Financial institutions have utilized quantitative models, algorithmic systems for decades, with machine learning models more recently expanding their toolkit. These advances have made sophisticated trading more accessible, but large institutions still retain meaningful advantages in data, capital, infrastructure, and execution. Now, artificial intelligence tools that scan thousands of charts for market setups and respond to real-time data as fast as sophisticated hedge funds are becoming increasingly available to retail traders. Binance Ai Pro is leading the charge with a suite of AI-powered tools that have direct access to platform data — including order books, sentiment, buy/sell flows, whale activity, and more. To help you get a better understanding of how such tools can enhance your market operations, we asked three Binance Square creators to break down how they use AI in their trading.Ghost Writer: AI as a Second OpinionGhost Writer (@GhostxWriterx on X, /ghostwriter on Square) has been trading for five years and has been using AI in his workflow for the last twelve months. Most recently, he's moved that workflow onto Binance AI Pro. Scanning a single stable setup now takes him a fraction of the 15-30 minutes he used to need when using standalone intelligence tools like Arkham and TradingView.A recent AI-assisted trade of his was a 5x leveraged XAU futures position. He asked Binance Ai Pro to analyze the 15-minute trend; it came back bullish. He then had the model draft an entry, stop loss, and take profit sized to a low-risk appetite, confirmed the parameters, and let it execute on his sub-account.He doesn't hand over the final decision. "I mainly run it as a second opinion after I finish my own analysis," he says. "It's fast at reading order flow and spotting buying and selling pressure that I might miss manually. I still make the final call myself."Commenting on where other traders go wrong, Ghost Writer said: "Most people overestimate how much AI can predict the future. AI is good at pattern recognition and speed, but not at handling true randomness, black swan events, and regime shifts. The biggest mistake is treating AI signals as 'sure things' instead of probabilistic edges."Ram: Reverse-Engineering the WinnersRam (@RamadoneA, /ramadone on Square) has traded for more than five years and more recently started integrating AI tools into his workflow. His more recent experiments have been with Binance Ai Pro. Below, he breaks down one of them."I asked Binance Ai Pro to analyze coins that had performed well over the last 30 days, identify similarities, and extract actionable criteria," he says. The model returned seven conditions. Days later, he asked it to scan Memerush for coins that matched. One stood out. He entered, posted the trade on Binance Square, and the position returned more than 66% within hours."What stood out wasn't just the result, but how efficiently the opportunity was identified," he says. Of course, he's clear about the limits. "It's not a plug-and-play solution that generates profits on its own. It's an assistant, not a replacement. The edge comes from combining your own understanding with AI's ability to process data."CryptoWarehouse: Taking Emotion Out of the LoopCryptoWarehouse (@GibCryptoNews, /crypto_warehouse on Square) is three months in — the newest of the three to AI, and has recently started using Binance AI Pro as part of that process."AI has removed a lot of the emotional stress and second-guessing from my trading," he says. "Instead of spending hours analyzing charts manually, I now review the top signals it surfaces each day."His most recent AI-assisted trade was a long on Bitcoin near a local low. He asked Binance AI Pro for an analysis of the market; it flagged possible bottom conditions. He took the trade, and it worked.He's careful about how that should be read. "Most people get it wrong by thinking AI is some kind of guaranteed money printer. In reality, it's a useful assistant that provides a small but reliable edge while helping eliminate common human mistakes. Discipline is still essential."Closing the Information GapThe three traders we interviewed follow the same pattern in their workflow. AI helps them handle repetitive work, such as screening setups, reading order books, analyzing coins that match a set of conditions, and flagging potential reversals. The final judgement is made by the trader. Ghost Writer treats AI as a second opinion. Ram uses it to reverse-engineer winners rather than guess the next one. CryptoWarehouse leans on it to take emotion out of the loop. For decades, the average retail user did not have access to institutional desks’ ability to scan, model, and act at high speed and volume. With Binance Ai Pro, crypto is being further democratized. Users can now utilize various high-performing AI models in one environment, with direct access to platform order books, on-chain signals, sentiment data, smart-money activity, and live feeds from Memerush and the Skills Hub. Explore Binance Ai Pro TodayBinance Ai Pro runs on a separate sub-account within user-controlled limits. Early usage shows traders are putting it to work: around 70% of AI activity is placing and managing trades rather than just asking for analysis, and nearly half of all sessions run automatically in the background.Binance Ai Pro is available in Beta at a discounted $9.99/month with a 7-day free trial, aimed at active traders who want to automate strategies, monitor multiple markets at once, and execute through a dedicated AI sub-account. Binance has also made available a number of AI skills that users can leverage to enhance their trading experience. These AI Skills are security-reviewed to safeguard our community and can be accessed via the AI Skills Hub. Note that AI-assisted trading still carries the same risks as any other kind, and human judgement still matters. Learn More About Binance Ai ProFurther ReadingThree Ways to Streamline Real Trading Workflows With Binance AI ProHow Binance AI Pro Changes What Traders Can Do in The MarketBinance Academy Launches Course on How to use AI Agents in CryptoDisclaimer: Your use of this Binance Ai is at your own risk and is provided to you on an “as is” and “as available” basis, without representation or warranty of any kind. You are fully responsible for all of your Prompts. AI Inputs may include various unvetted third party sourced content. Binance sourced content is provided “as is” without any guarantee. Binance does not endorse or guarantee any AI Outputs. AI Outputs may include or reflect content, positions, views and opinions of third parties unknown to Binance, which may also include errors, biases, synthetic data and or outdated information. Any AI Output should not be solely relied on for decision making. AI Outputs do not constitute any kind of advice by Binance nor any other intermediary services. Binance Ai may use or make available third party AI Tools without any guarantee. Where AI Tools are configured by yourself or a third-party, you indemnify Binance against all liability. Binance does not guarantee any AI Tools. Binance Ai may respond to your requests, but without any guarantee that your request will be fulfilled satisfactorily or at all. Digital asset prices can be volatile. You are solely responsible for your investment decisions and Binance is not liable for any losses. Use of Binance Ai may be subject to additional Binance Product Terms, where applicable. For more information, see our Terms of Use, Risk Warning and AI Policy and Terms.Content may include third party comments and opinions (such as, without limitation, those expressed by moderators, hosts or participants that are not employees of Binance). Please note that: (a) all content is presented on an "as is" basis for general information purposes only, without representation or warranty of any kind; (b) such comments and opinions belong to these third parties, and do not purport to reflect the views, comments or opinions of Binance; and (c) correspondingly, their comments and opinions as expressed on our platform is not intended to be and shall not be construed as an endorsement by Binance. We shall not be liable or responsible for any errors or omissions, or for the results obtained from your use of such information. The content shall not be construed as financial advice.

Main TakeawaysFinance is converging into a “TriFi” model, where assets and capital move across TradFi, CeFi, and DeFi within a 24/7, always-on system.This convergence is driven by proven demand for always-on markets, tokenization unlocking new sources of yield, growing institutional participation – alongside accelerating regulatory clarity that reduces uncertainty.Binance is evolving alongside this convergence, expanding beyond a CEX to build an integrated ecosystem that brings all financial experiences into one place.Would you rather drive across the city to pick up dairy from one shop, meat from another, and canned goods from a third – or get everything you need from a single, well-stocked supermarket? Naturally, most people would choose the convenience of the second option.The same applies to finance – users aren’t thinking in categories. If a single platform can bring together TradFi, CeFi, and DeFi into one seamless experience – offering 24/7 trading, moving between fiat and stablecoins, and accessing both on-chain and off-chain opportunities without friction – they’ll choose it in a heartbeat. In this context, the convergence of these labels becomes a natural next step, as users gravitate toward a one-stop ecosystem – what we can think of as TriFi.What is TradFi, CeFi, and DeFi?TradFi, or traditional finance, is the system most people know: banks, brokerages, and financial institutions that manage money through regulated, centralized structures. CeFi, or centralized finance, brings that same model into crypto, where platforms act as intermediaries to offer trading, lending, and other services with greater convenience and liquidity. DeFi, or decentralized finance, removes intermediaries entirely, using blockchain-based smart contracts to enable open, permissionless financial services that anyone can access.Catalyst #1: Who Still Wants Fixed Trading Hours?Crypto pioneered what traditional markets never had – true 24/7 trading. There are no opening bells, no closing hours, and no need to stay up at odd times just to catch another market’s timezone. As users experienced this always-on access, expectations began to shift.That demand became clear as 24/7 products gained traction. Weekend perpetual contract volume surged 300%, and price discovery over the weekend now predicts Monday’s opening direction 89% of the time. When Binance introduced 24/7 perpetuals, strong trading volumes reinforced this demand – with 467 million trades and $298B in TVL on Binance alone, from the start of 2026 through April 21 – showing that users gravitate toward markets that move with them.Catalyst #2: Tokenization, the Bridge to YieldWhat if your traditional assets didn’t just sit idle, but actively worked for you?Tokenization is rapidly turning that idea into reality. In just one year, the market grew from $38 million to $1 billion, with major players like BlackRock, J.P. Morgan, and HSBC stepping in. Tokenized stocks alone expanded 26x, signaling strong momentum from both institutional and on-chain adoption.But the real shift lies in what tokenization unlocks. A tokenized S&P 500 ETF can be more than a passive investment sitting in your zero-return custody account. It can now be deployed into an on-chain liquidity pool to generate yield, transforming how value is created and accessed. This kind of functionality exists at the intersection of TradFi assets, CeFi access, and DeFi infrastructure.This is where convergence becomes inevitable. When assets can do more, earn more, and move more freely, users naturally gravitate toward systems that offer it all. Profitability is no longer tied to a single financial model, it is driving them together.Catalyst #3: Institutions are Already inCeDeFi vault-based lending – which combines the efficiency and accessibility of centralized platforms with the transparency and programmability of DeFi liquidity pools – has grown from 0% in 2022 to 22.8% of DeFi borrowing today, reflecting a clear shift in how the space is evolving. As demand for stronger risk controls, compliance frameworks, and permissioned access increases, innovation has followed. With DeFi infrastructure rapidly maturing to meet institutional requirements as more institutions continue to onboard, this convergence is already here.Catalyst #4: Regulation is Accelerating the ConvergenceRegulatory frameworks are moving just as quickly. In the US, momentum is building with the GENIUS Act, the SEC–CFTC’s proposed five-category asset taxonomy, and the OCC’s approval of five crypto-native bank charters. In Europe, MiCA has already issued over 40 licenses, while jurisdictions like Abu Dhabi’s ADGM and Japan’s PSA amendments continue to refine their frameworks. What once took years of policy development is now unfolding in quarters, as global regulators move in parallel to shape the future of finance.Final ThoughtsTriFi is emerging as the new model for finance, bringing together the strengths of centralized platforms, decentralized infrastructure, and traditional assets into one consolidated system.Binance’s evolution reflects this shift. Within our ecosystem, users can gain access to DeFi through the Binance Wallet, while also introducing products like Tradfi perpetuals on our platform. Each step moves closer to a single, integrated experience.As the TriFi convergence accelerates, we aspire to give you a true one-stop ecosystem where you can access, move, and grow your assets without friction – backed by our continuous innovation as the future of finance takes flight.Further ReadingThe Rise of Binance as the 24/7 Global Market – From Crypto to TradFi PerpetualsBinance Powers Toward 3 Billion Users With an Everyday Financial App VisionHow Binance AI Pro Changes What Traders Can Do in The Market

By Reeve Collins, Co-founder of Tether, STBL, and WeFi & Incoming Chairman of ReserveOneMain TakeawaysStablecoins started as a crypto-native settlement tool, but their core advantage is structural: they move value faster and with fewer dependencies than legacy payment rails.The next phase of adoption depends less on technical capability and more on regulated scale, interoperable settlement, and collateral frameworks that can be audited and trusted.As tokenized real-world assets and clearer regulatory standards mature, stablecoins are positioned to become a foundational layer for global payments, clearing, and programmable finance.Note: This article is a guest post contributed by Reeve Collins, co-founder of Tether, STBL, and WeFi & Incoming Chairman of ReserveOne. It is published for informational purposes and reflects the author’s views only. It does not necessarily reflect the views of Binance.Stablecoins were designed with infrastructure in mind long before markets were ready for them. What began as a crypto-native settlement tool is now emerging as a core layer of global finance. Stablecoins transcend borders and move value faster, more transparently, and more efficiently than legacy payment systems that are structurally outdated by comparison. Arguably, the next phase of adoption depends less on technical capability and more on regulated scale, interoperable settlement, and collateral frameworks.Stablecoins Are Better Aligned With How Value Should MoveLegacy payment rails still reflect the world they were built for: bank hours, multiple intermediaries, and slow cross-border settlement. Even when a payment appears instant, final settlement can lag, adding cost, delay, and counterparty risk.Stablecoins address those weaknesses by making value natively digital and transferable on shared rails. They can settle continuously, move across borders with fewer handoffs, and plug into software like any other payment function, which is why they are more suitable for the realities of global payments – emerging as a bridge between legacy systems and an always-on financial network.The Inflection Point is Institutional and RegulatoryWhat matters now is global regulatory acceptance and the emergence of shared clearing and settlement infrastructure that makes different stablecoins fungible. Once value can move seamlessly across issuers and systems, more fiat-denominated activity shifts on-chain, the line between “stablecoins” and “money” can then start to blur.Tokenized Real-World Assets Expand Who Can ParticipateIf stablecoins are the transport layer, collateral is the foundation beneath them. Historically, holding collateral for stablecoins required institutional access. Participants needed the ability to purchase assets like Treasuries, custody them through regulated accounts, and operate within traditional financial infrastructure – effectively limiting participation to banks, funds, and large corporations.Tokenized RWAs remove this barrier: bringing financial assets on-chain without changing their underlying risk profiles expands who can hold and deploy collateral. On-chain, tokenization transforms these assets into transparent, auditable backing that can be accessed globally through compliant platforms. While tokenized U.S. Treasuries form a foundational layer, the same framework supports a broader range of high-quality, yield-generating collateral, allowing individual participants to choose different risk and return profiles within a single settlement system.At scale, marginal efficiency gains compound quickly as barriers to participation collapse, allowing stablecoins to move beyond niche payments or institutional balance sheets and begin to function as global financial rails.Regulation Is Enabling ScaleBefore regulatory clarity, banks and institutions couldn’t meaningfully adopt blockchain-based systems as they can’t operate on-chain without a stable unit of account. Without clear rules, institutions were effectively blocked from using stablecoins as an infrastructure.Fortunately, since 2023, clearer regulatory frameworks across the EU, UK, and United States have better defined standards for reserves, issuance, and compliance. This clarity has made it legally possible to extend modern financial infrastructure to anyone connected to the internet.With that uncertainty removed, the focus has shifted. Institutions are now racing to modernize their operations by moving settlement, collateral, and payments on-chain with stablecoins as the connective layer. This allows existing financial activity to transition onto more efficient rails accelerating broader asset tokenization.However, this shift exposed a structural mismatch as first-generation stablecoins were not designed for regulated balance sheets or institutional use at scale. As we move from experimentation to adoption, these limitations are catalyzing the creation of new architectures.Two developments are central. The first is on-chain collateral in the form of tokenized real-world assets, which provides transparent, auditable backing. The second is the separation of yield from principal, allowing returns generated by collateral to be distributed independently of the stablecoin.Together, these advances enable stablecoin systems to operate as monetary infrastructure, supporting scalable settlement, liquidity, and participation across global markets.Interoperability Is MandatoryGlobal money requires interoperability. Users shouldn’t need to understand the complexities of blockchains, bridges, or liquidity mechanics to move value. It should feel as easy as sending money in a banking app: you tap send, and the transfer completes, without needing to know how clearing, settlement, or balance sheets work behind the scenes. Hence, the success will be defined by seamless settlement across systems where money works everywhere, with the complexities abstracted away.Final ThoughtsStablecoins are on track to become a foundational layer of global finance because they solve a structural mismatch between legacy rails and a digital economy that is global by default. The next decade will be defined by regulated scale, interoperable settlement, and collateral frameworks that expand participation while strengthening transparency and oversight. As rules continue to mature and infrastructure becomes more interoperable, stablecoins are moving from “a thing people use in crypto” to “how value moves.”Further ReadingBinance Pay Now Lets Argentinians Use Pix for Seamless Crypto Payments in BrazilBinance Pay Surpasses 20 Million Merchants as Stablecoin Adoption AcceleratesBinance Pay Partners with Scan To Pay to Expand Crypto Spending Across South AfricaDisclaimer: Content includes comments and opinions from third parties outside of Binance. Please note that: (a) all content is presented on an "as is" basis for general information purposes only, without representation or warranty of any kind; (b) such comments and opinions belong to these third parties, and do not purport to reflect the views, comments or opinions of Binance; and (c) correspondingly, their comments and opinions as expressed on our platform is not intended to be and shall not be construed as an endorsement by Binance. We shall not be liable or responsible for any errors or omissions, or for the results obtained from your use of such information. The content shall not be construed as financial advice.