Brothers, the long-silent CZ suddenly appeared a few days ago at the year-end event of BNB Chain. He didn't talk about coin prices, but his few words may have hit the password for the next wealth cycle.
His core warning is simple: In the next 24 months, wealth will undergo a brutal 'migration' from the impatient hands to those who can 'endure.' The underlying rules of the game are changing completely.
Trend 1: Your future trading counterpart may not be a 'person'
CZ revealed an explosive trend: The next massive users of cryptocurrency will be AI and robots.
Think about it, how does an AI agent pass through traditional banks' KYC verification? It has no passport. The future AI economy needs a borderless, permissionless payment layer, and cryptocurrency is the only solution.
This is no longer just imagination. For example, Fetch.ai has announced the launch of an autonomous payment system for AI agents in January 2026. This means a financial network built for the machine economy is transitioning from blueprint to reality. Those who layout this underlying infrastructure in advance may seize the traffic entrance for the next decade.
Trend two: The 'lying down earning' era of stablecoins, but the gameplay has changed.
CZ stated that yield-bearing stablecoins (1.0 model) that are only pegged to the US dollar, like USDT, have become a thing of the past. The future kings will be stablecoins 2.0 that are 'yield-bearing + user-friendly.'
This means your stablecoin should not just be dormant cash, but should be a productive asset that can generate money automatically. This is precisely the direction in which decentralized stablecoins like Decentralized USD (such as USDD) are evolving: they allow holders to earn sustainable on-chain returns while maintaining liquidity through mechanisms like over-collateralization and smart yield distribution.
a16z's report also confirms this: stablecoins are evolving from trading tools to the financial foundation settlement layer of the internet. When every penny of your stablecoin is automatically generating returns, what you hold is no longer cash, but capital.
Trend three: 'National-level whales' are entering the market.
CZ revealed that he is discussing with some resource-rich countries how to tokenize national-level assets like oil and rare earths. This signal couldn't be clearer: the narrative of the track has been fully upgraded.
This is no longer a guessing game for retail investors; it marks the beginning of activating trillions of dormant assets. The Grayscale report similarly judges that 2026 will be a critical turning point for asset tokenization. One can glimpse this irreversible wave of institutionalization from the Monetary Authority of Singapore's plan to trial tokenized treasury bills in 2026.
When sovereign wealth and traditional giants flood in through compliant channels, they bring not only massive liquidity but also a permanent change in valuation logic.
CZ's survival guide: What should ordinary people do?
In the face of such a grand shift, CZ offered two extremely straightforward yet invaluable pieces of advice:
Do things driven by 'passion,' not 'hype.' He values those teams that persist long-term and do not easily switch tracks. Without passion, you simply cannot endure the inevitable cold winter.
Continuous building is the only way to navigate through bull and bear markets. He cited Nvidia sitting on the 'cold bench' for 40 years before witnessing the AI explosion. The global penetration rate of the crypto market may still be less than 1%, with a hundredfold room for growth. In this super marathon, the winner is not the one who starts the fastest, but the one who never exits the race.
Conclusion: Wealth is about to be redistributed.
CZ's sharing resembles a clear survival guide for the cycle. It declares that short-term speculators chasing trends will be gradually cleared out, while real opportunities lie in three directions:
Building a payment network for AI and the machine economy;
Holding and utilizing the next generation of yield-bearing stablecoins (like Decentralized USD);
Participating in the wave of tokenization of national-level assets within a compliant framework.
The industry is still in its very early stages. In 2026 and beyond, it will not belong to those chasing the latest trends. It only belongs to those who, after seeing the direction clearly, can block out noise, endure loneliness, and continue to bet: the 'long-termists.'
Are you ready to switch modes?
