CZ年终问答总结：除了Giggle Academy，他还在布局什么？

marsbitPublicado a 2025-12-19Actualizado a 2025-12-19

Resumen

CZ在BNB Chain年终问答中分享了他退休后的动态与行业见解。他目前专注于四方面：Giggle Academy免费教育项目、YZi Labs创业辅导、BNB Chain战略指导及多国政府加密监管咨询。他提到BNB Chain交易量同比增长600%，日活突破200万，并强调加密市场仍有巨大增长空间。 CZ认为预测市场应避免内卷，稳定币需转向“生息+流通”模式（如USDe），而AI与加密的结合是重要方向，尤其是AI Agent的链上支付需求。RWA（现实资产上链）已升级至资源型国家的资产流动性解决方案层面。他建议创业者应以使命驱动而非投机，专注长期价值，并先深耕技术再补足情商。CZ总结称，保持建设是穿越周期的关键，如同Nvidia的长期积累，2026年将属于坚持长跑的人。

编者语:12 月 18 日晚,Binance 创始人 CZ 参与了 BNB Chain 主办的年终问答活动。期间,他围绕特赦、投资理念、稳定币、RWA 等多个话题分享了自己的看法。本文为加密 KOL 链研社的总结整理,原文如下:

CZ 回归了?也不全是。

辞去 Binance CEO 后,CZ 罕见的在最近的 BNB Chain 年度 AMA 中罕见露面。没有了 CEO 的 title,他反而聊得更透了。

关于 2026、AI 支付、以及他现在的「自由」生活,信息量很大。

我整理了 7 个最核心的洞察,最后一点对创业者很扎心。

1、关于退休生活:自由是最大的奢侈品

CZ 直言现在最大的感受就是 Free。虽已退休,但并未停止工作。一点也没闲着,精力主要分给了四件事:

1. Giggle Academy:完全免费的教育平台,这也是他现在的亲儿子项目。

2. YZi Labs:做导师和教练,帮创业者避坑(不只是给钱)。

3. BNB Chain:虽不碰技术细节,但依然把控大方向。

4. 政府顾问:这点很有意思,他正在帮中东、巴基斯坦等十几个国家设计监管框架。并且占个人比重不低

CZ 还提到,他依然保持着规律的生活,坚持每天约 30-40 分钟的健身,并尝试更多的户外运动。

从打江山到定规则,这波转型很稳。

2、BNB Chain 的隐形增长

很多人觉得 BNB Chain 不够性感了?数据可能会打脸:

· 交易量同比涨了 600%

· 日活(DAU)突破 200 万。

· 即便 CZ 隐退,Binance 用户数还是破了 3 亿。

BNB 的生态系统就像纳斯达克上市公司的总价值远超纳斯达克交易平台本身一样。

加密市场尽管增长显著,但从全球财富渗透率来看,加密资产占比仍不足 1%,未来仍有几个数量级的增长空间。

CZ 对过去的总结很精辟:在马拉松里打拳击。既要有长跑的耐力,又要保持高频的战斗力。这比单纯追逐短期排名难多了。

3、预测市场:百花齐放并非赛马机制

最近预测市场很火(PolyMarket 在美国大选赢麻了)。BNB Chain 上也涌现了不少竞品。CZ 的态度是:不搞内卷式赛马。Labs 不会只押注一家,而是让市场自然竞争。现在谈谁是赢家还太早,蛋糕做大才是硬道理。

4、稳定币 2.0:收益才是王道

稳定币如果不生息,那是 1.0 时代的产物(如 Tether)。CZ 认为稳定币 2.0 的核心是:生息 + 交易便利。像 Ethena (USDe) 这种既能赚收益又能流通的模型,才是未来。随着合规落地,稳定币将迎来更多机会,最终由用户和市场决定胜负。

5、AI + Crypto:最确定的 Alpha

这点非常重要!CZ 认为 AI Agent(智能体)将是加密支付最大的用户群。逻辑很简单:机器人开不了银行账户,过不了 KYC,刷不了信用卡。Crypto 是 AI 唯一的经济交互手段。专为 AI 设计的链上支付网络,这里面机会巨大。

6、RWA:国家级的入场

当我们在谈 RWA(现实资产上链)时,CZ 已经在和国家元首谈了。很多资源型国家(石油、稀土)虽然有钱但缺流动性。国家资源代币化正在成为一个严肃的议题。这不仅仅是融资,这是在激活国家级资产的流动性。这个赛道的叙事级别变了。

7、给创业者的建议:别做投机客

CZ 现在的投资标准只有一条:Mission-driven(使命驱动)。

想赚个 1000 万就跑?❌ 这种人他现在看不上。

几个月换一个赛道?❌ 缺乏定力。

想转行的技术大牛,他的建议也很实在:先在技术上做到顶尖,再去补情商(EQ)。因为商业的本质,最后都是玩人际网络。(8/9)

总结:穿越周期

整场 AMA 听下来,感觉 CZ 变了,更超然,也更关注宏观。

就像他说的那样,不管是 AI 还是 SocialFi,不管现在谁是第一,Keep Building 是穿越周期的唯一路径。Nvidia 坐了 40 年冷板凳才爆发,你急什么?

2026,属于长跑者。

Criptos en tendencia

CitreaCTR

wrapped stUSDTWSTUSDT

Preguntas relacionadas

QCZ在辞去Binance CEO后，目前主要专注于哪些方面的工作？

ACZ目前主要精力分配在四个方面：1. Giggle Academy（完全免费的教育平台）；2. YZi Labs（担任导师和教练，帮助创业者）；3. BNB Chain（把控大方向，不涉及技术细节）；4. 政府顾问（帮助中东、巴基斯坦等国家设计监管框架）。此外，他保持规律生活，坚持每日健身和户外运动。

QCZ如何看待AI与加密货币的结合？他认为最大的机会在哪里？

ACZ认为AI Agent（智能体）将是加密支付最大的用户群，因为机器人无法开银行账户、通过KYC或使用信用卡，而加密货币是AI唯一的经济交互手段。专为AI设计的链上支付网络存在巨大机会。

QCZ对稳定币的发展有什么观点？他认为未来的稳定币应该具备哪些特征？

ACZ认为稳定币1.0时代的产品（如Tether）不具备生息功能，而稳定币2.0的核心是“生息 + 交易便利”。像Ethena（USDe）这类既能赚取收益又能流通的模型才是未来，合规化将推动稳定币发展，最终由用户和市场决定胜负。

QCZ在投资和创业方面给创业者提出了什么建议？

ACZ的投资标准是“Mission-driven（使命驱动）”，反对短期投机行为。他建议创业者不要只追求快速赚钱或频繁更换赛道，而应专注于长期使命。对于技术背景的创业者，他建议先成为技术顶尖人才，再补足情商（EQ），因为商业本质是人际网络。

QCZ如何看待BNB Chain的增长和加密市场的未来潜力？

ACZ指出BNB Chain交易量同比增长600%，日活用户突破200万，Binance用户数超3亿。他认为加密资产仅占全球财富不足1%，仍有几个数量级的增长空间。他用“在马拉松里打拳击”比喻行业，强调既需长跑耐力又需高频战斗力。

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