After resigning as CEO of Binance, CZ rarely appeared at the BNB Chain annual AMA. Shedding his executive identity, he became bolder in speaking the truth. From trends in 2026 to the AI payment revolution, and even personally helping Middle Eastern countries design regulatory frameworks, the information is overwhelming. Here are 7 core insights, with the last one being a soul-searching question for entrepreneurs.
1. Retirement Life: Freedom is the ultimate luxury
CZ frankly states the current situation in one word: Free. He has not truly become idle, but is focusing on four things:
Giggle Academy: A fully dedicated free education program, referred to as 'the favorite child';
YZi Labs: transformation mentor, helping entrepreneurs avoid pitfalls (not just about investing money);
BNB Chain: does not touch technical details but controls strategic direction;
Government advisor: designing crypto regulatory frameworks for more than a dozen countries including the Middle East and Pakistan, with a significant time cost.
He still maintains a daily workout of 30-40 minutes and tries more outdoor sports. From entrepreneur to rule-maker, this transformation is stable.
2. The invisible growth of BNB Chain: data speaks.
Some believe BNB Chain lacks popularity? The truth is:
Transaction volume surged by 600% year-on-year;
Daily active users exceeded 2 million;
Binance's user base has defied trends and surpassed 300 million.
CZ summarizes the ecological logic in one sentence: "The BNB Chain is like Nasdaq - the total value of listed companies far exceeds that of the exchange itself." He also pointed out that crypto assets account for less than 1% of global wealth, and there is still room for several times growth in the future.
3. Prediction markets: refuse internal competition, focus on enlarging the cake.
In the face of the popularity of prediction platforms like PolyMarket, CZ's attitude is clear: no horse racing mechanism. BNB Chain will support multiple projects to compete freely, rather than betting on a single winner. "Market selection is more effective than human intervention."
4. Stablecoin 2.0: earning ability is the key.
CZ sharply pointed out: traditional stablecoins (like USDT) are already "1.0 products"; the future belongs to earning + high liquidity models. He took Ethena (USDe) as an example, emphasizing that the combination of yield mechanisms and trading convenience will become mainstream. With the acceleration of compliance processes, the stablecoin track will welcome broader opportunities.
5. AI + Crypto: the most certain wealth opportunity.
AI Agent (intelligent agent) will become the largest user of crypto payments - this is the key trend in CZ's view. The logic is simple: robots cannot open bank accounts, pass KYC, or swipe credit cards, while Crypto is the only economic system that AI can use. A blockchain payment network designed specifically for AI holds great opportunities.
6. RWA: national-level assets entering the market, narrative upgrade.
While ordinary people are still discussing asset tokenization, CZ has already discussed national resource tokenization with heads of state from multiple countries. Resource-rich countries like those with oil or rare earths may be wealthy but lack liquidity; activating assets on-chain will become a new trend. "This is no longer a financing game, but a national-level liquidity revolution."
7. The ultimate advice for entrepreneurs: refuse speculation, adhere to the mission.
CZ's current investment standard has only one criterion: Mission-driven.
Want to make quick money? ❌ He directly passes;
Frequent switching of tracks? ❌ Lack of focus is undesirable.
For entrepreneurs with a technical background, his advice is more practical: first become a top technical talent, then supplement with emotional intelligence courses. Because the essence of business is ultimately the operation of interpersonal networks.
Summary:
After listening to the entire AMA, CZ appears more relaxed and focused on long-term value. As he said: "Whether it's AI or SocialFi, don't get tangled up in who is number one now. Keep Building is the only way to cross cycles." Nvidia waited 40 years to explode, why are you and I in such a hurry?
In 2026, it belongs to true long-distance runners.
