Binance to Convert $1B SAFU Fund into Bitcoin

  • Binance moves $1B SAFU fund from stablecoins to Bitcoin

  • The conversion will take place over 30 days

  • Binance to top up fund if BTC dips below $80K

Binance, one of the world’s largest cryptocurrency exchanges, has announced a major strategic shift in how it manages its Secure Asset Fund for Users (SAFU). Over the next 30 days, Binance plans to convert its ~$1 billion SAFU reserve — currently held in stablecoins — into Bitcoin (BTC).

This move marks a significant pivot from holding low-volatility assets to a more volatile but potentially more rewarding asset. According to Binance, this decision aims to enhance transparency and long-term stability for user protection.

Why Binance is Switching to Bitcoin

The SAFU fund was established in 2018 to protect users in extreme situations like hacks or market crashes. Traditionally, Binance kept these reserves in stablecoins such as USDT and BUSD to ensure minimal volatility. However, the recent decision to move into Bitcoin aligns with Binance’s belief in BTC as a long-term store of value.

Binance stated it would conduct this conversion gradually over 30 days to avoid disrupting the market. This measured approach helps reduce the risk of sudden price movements while executing large trades.

LATEST: Binance announces it will convert its SAFU fund's ~$1B stablecoin reserves into BTC over the next 30 days, with plans to replenish to $1B if Bitcoin drops below $80K. pic.twitter.com/2NEIi6d2vD

— Cointelegraph (@Cointelegraph) January 30, 2026

Replenishment Plan Tied to BTC Price

What’s especially interesting is Binance’s commitment to replenishing the fund if Bitcoin’s price falls below $80,000. This signals strong confidence in Bitcoin’s future price trajectory and indicates Binance’s willingness to maintain the SAFU fund at the $1 billion mark regardless of market dips.

For users, this change means that Binance is doubling down on its trust in Bitcoin as a protective and appreciating asset. However, it also means the fund will now be subject to crypto market volatility, which could raise concerns about risk exposure during market downturns.

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