CZ 年終問答總結：除了 Giggle Academy，他還在佈局什麼？

Original Author: Chain Research Society, Crypto KOL

Editor's Note: On the evening of December 18, Binance founder CZ participated in the year-end AMA hosted by BNB Chain. During the event, he shared his views on topics such as amnesty, investment philosophy, stablecoins, RWA, and more. This article is a summary prepared by crypto KOL Chain Research Society, and the original content is as follows:

CZ's return? Not quite.

After stepping down as Binance CEO, CZ made a rare appearance at the recent BNB Chain annual AMA. Without the CEO title, he became even more candid.

About 2026, AI payments, and his current "freedom" lifestyle, there was a lot of information shared.

I have summarized the 7 most critical insights, with the last point being particularly poignant for entrepreneurs.

1. About Retirement Life: Freedom is the Ultimate Luxury

CZ openly expressed that his biggest feeling now is Freedom. Although retired, he has not stopped working. He has been focused on four main things:

1. Giggle Academy: A completely free educational platform, which is also his current pet project.

2. YZi Labs: Being a mentor and coach to help entrepreneurs navigate pitfalls (not just providing funding).

3. BNB Chain: Although not involved in technical details, he still oversees the overall direction.

4. Government Advisor: This is quite interesting; he is helping design regulatory frameworks for over a dozen countries in the Middle East, Pakistan, etc. and his personal involvement is substantial.

CZ also mentioned that he maintains a disciplined lifestyle, sticking to daily 30-40 minutes of exercise and trying out more outdoor activities.

From conquering territories to setting rules, this transition is very smooth.

2. The Hidden Growth of BNB Chain

Many people think BNB Chain is not as exciting? The data might prove otherwise:

· Transaction volume has increased by 600% year-on-year

· 日活躍用戶數（DAU）突破 200 萬。

· 即便 CZ 隱退，Binance 用戶數仍突破 3 億。

BNB 的生態系統就像納斯達克上市公司的總價值遠超納斯達克交易平台本身一樣。

加密市場儘管增長顯著，但從全球財富滲透率來看，加密資產佔比仍不足 1%，未來仍有幾個數量級的增長空間。

CZ 對過去的總結很精辟：在馬拉松裡打拳擊。既要有長跑的耐力，又要保持高頻的戰鬥力。這比單純追逐短期排名難多了。

3、預測市場：百花齊放並非賽馬機制

最近預測市場很火（PolyMarket 在美國大選贏麻了）。BNB Chain 上也湧現了不少競品。CZ 的態度是：不搞內捲式賽馬。Labs 不會只押注一家，而是讓市場自然競爭。現在談誰是贏家還太早，蛋糕做大才是硬道理。

4、穩定幣 2.0：收益才是王道

穩定幣如果不生息，那是 1.0 時代的產物（如 Tether）。CZ 認為穩定幣 2.0 的核心是：生息 + 交易便利。像 Ethena（USDe）這種既能賺收益又能流通的模型，才是未來。隨著合規落地，穩定幣將迎來更多機會，最終由用戶和市場決定勝負。

5、AI + Crypto：最確定的 Alpha

這點非常重要！CZ 認為 AI Agent（智能體）將是加密支付最大的用戶群。邏輯很簡單：機器人開不了銀行帳戶，過不了 KYC，刷不了信用卡。Crypto 是 AI 唯一的經濟交互手段。專為 AI 設計的鏈上支付網絡，這裡面機會巨大。

6、RWA：國家級的入場

當我們在談 RWA（現實資產上鏈）時，CZ 已經在和國家元首談了。很多資源型國家（石油、稀土）雖然有錢但缺流動性。國家資源代幣化正在成為一個嚴肅的議題。這不僅僅是融資，這是在啟動國家級資產的流動性。這個賽道的叙事級別變了。

7、給創業者的建議：別做投機客

CZ 現在的投資標準只有一條：Mission-driven（使命驅動）。

想賺個 1000 萬就跑？❌ 這種人他現在看不上。

幾個月換一個賽道？❌ 缺乏定力。

想轉行的技術大牛，他的建議也很實在：先在技術上做到頂尖，再去補情商（EQ）。因為商業的本質，最後都是玩人際網絡。(8/9)

總結：穿越周期

整場 AMA 聽下來，感覺 CZ 變了，更超然，也更關注宏觀。

就像他說的那樣，不管是 AI 還是 SocialFi，不管現在誰是第一，Keep Building 是穿越周期的唯一路徑。Nvidia 坐了 40 年冷板凳才爆發，你急什麼？

2026，屬於長跑者。

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