CZ Year-End Q&A: Besides Giggle Academy, what else is he planning?

2025-12-19 14:22:30

Author: Chain Research Society, Crypto KOL

Editor’s note: On the evening of December 18, Binance founder CZ participated in the year-end Q&A 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 compiled by Crypto KOL Chain Research Society, the original text is as follows:

Has CZ returned? Not entirely.

After resigning as Binance CEO, CZ made a rare appearance at the recent BNB Chain annual AMA. Without the title of CEO, he spoke more openly.

There was a lot of information about 2026, AI payments, and his current “free” lifestyle.

I’ve summarized the 7 most core insights, the last one being particularly impactful for entrepreneurs.

1. About retirement life: Freedom is the greatest luxury

CZ straightforwardly states that his current biggest feeling is freedom. Although retired, he has not stopped working. He’s busy with four main things:

Giggle Academy: A completely free education platform, which is now his flagship project.
YZi Labs: Acting as mentor and coach, helping entrepreneurs avoid pitfalls (not just funding).
BNB Chain: While not involved in technical details, he still controls the overall direction.
Government advisor: This is quite interesting—he is helping design regulatory frameworks for over a dozen countries including Middle Eastern nations and Pakistan. And he personally dedicates a significant portion of his time to it.

CZ also mentioned that he maintains a regular lifestyle, exercising about 30-40 minutes daily and trying more outdoor activities.

From conquering the industry to setting rules, this transition is very steady.

2. The invisible growth of BNB Chain

Many people think BNB Chain is no longer exciting? Data might prove them wrong:

· Transaction volume increased by 600% year-over-year

· Daily active users (DAU) surpassed 2 million

· Even with CZ stepping back, Binance’s user base still exceeds 300 million

The BNB ecosystem is like the total market value of NASDAQ-listed companies far surpassing the NASDAQ exchange itself.

Despite significant growth in the crypto market, the global penetration rate of wealth shows that crypto assets still account for less than 1%, leaving several orders of magnitude of growth potential in the future.

CZ’s summary of the past is very insightful: fighting a marathon with boxing. You need endurance for long-distance running and high-frequency combat capability. This is much harder than simply chasing short-term rankings.

3. Market prediction: a hundred flowers blooming, not a horse race mechanism

Recently, prediction markets have been very popular (PolyMarket made a killing in the US elections). Many competitors have emerged on BNB Chain. CZ’s attitude is: no internal competition-driven horse race. Labs won’t bet on just one, but let the market compete naturally. It’s too early to say who the winner is; making the cake bigger is the real goal.

4. Stablecoin 2.0: earning yields is the key

If stablecoins don’t generate interest, they belong to the 1.0 era (like Tether). CZ believes that the core of Stablecoin 2.0 is: yield + trading convenience. Models like Ethena (USDe) that can earn yields and circulate are the future. As compliance is implemented, stablecoins will have more opportunities, ultimately decided by users and the market.

5. AI + Crypto: the most certain Alpha

This is very important! CZ believes AI Agents will be the largest user base for crypto payments. The logic is simple: robots can’t open bank accounts, pass KYC, or use credit cards. Crypto is the only economic interaction method for AI. A blockchain payment network designed specifically for AI presents huge opportunities.

6. RWA: national-level entry

When we talk about RWA (Real World Asset on-chain), CZ is already discussing with heads of state. Many resource-rich countries (oil, rare earths) have money but lack liquidity. Tokenization of national resources is becoming a serious topic. This is not just about financing; it’s about activating the liquidity of national assets. The narrative level of this track has changed.

7. Advice for entrepreneurs: don’t be a speculator

CZ’s current investment standard is only one: Mission-driven.

Trying to make 10 million and then run? He’s not interested in people like that now.

Switching tracks every few months? Lacking perseverance.

For tech giants wanting to change careers, his advice is very practical: first master top technical skills, then work on emotional intelligence (EQ). Because the essence of business ultimately comes down to managing relationships. (8/9)

Summary: navigating cycles

Listening to the entire AMA, I feel CZ has changed—more detached and more macro-focused.

As he said, whether it’s AI or SocialFi, no matter who is number one now, the only way to get through cycles is to keep building. Nvidia sat on the sidelines for 40 years before exploding; what are you in such a hurry for?

2026 belongs to long-distance runners.

GIGGLE-2.99%

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