According to Odaily Planet Daily, CZ stated at the World Economic Forum in Davos that faster, lower-cost technologies do not inherently create risk; they simply expose problems more quickly. The fundamental reason for the risks faced by banks lies in the systemic design of the fractional-reserve banking system. Taking Binance as an example, during the crypto crash in December 2023, Binance faced a peak of $7 billion in asset withdrawals in a single day and processed a total of $14 billion in withdrawal requests that week without any issues. Any bank employing a fractional-reserve banking system would struggle to remain stable when dealing with liquidity pressures of this scale.

According to Odaily Planet Daily, CZ stated at the World Economic Forum in Davos that demand for physical banks will decrease significantly over the next 10 years. With the development of technologies such as blockchain and KYC, user demand for physical banks is declining. While banks won't disappear, their branch networks will shrink considerably. Furthermore, he expressed skepticism about direct Bitcoin payments, citing the extremely high failure rate in this area despite years of industry investment. Zhao Changpeng believes that meme tokens, similar to previous NFTs and the Metaverse, are extremely risky and highly speculative. While projects with cultural value like Dogecoin may exist for a long time, most meme tokens will not be sustainable.

According to SkyForum, PhoenixLabs has submitted a proposal to Spark governance to adjust the parameters of its previously approved SubDAOProxy reserve scheme (SAEP-06). Specifically, this includes reducing the RRC backtesting period from 12 months to 3 months, reducing the Spark product backstop size from 5 million USDS to 1 million USDS, shortening the target operating capital cycle from 24 months to 12 months, increasing the standard buyback ratio from 10% to 25%, and adding a "buybackrecipient" parameter to specify the destination of SPK buybacks. PhoenixLabs stated that this move will reduce the target reserve size, allowing excess reserves to be used more efficiently for SPK buybacks, and will allow for future integration with external or leased venture capital to meet venture capital needs.

Huoxun Finance News, January 22 – According to a Binance announcement, the platform will fully launch RippleUSD (RLUSD) starting January 22, 2026. RLUSD will support Binance SimpleEarn flexible deposit products, fiat currency purchases (including Visa/MasterCard, Apple Pay, etc.), zero-fee convertible exchanges, leveraged futures contracts (cross and isolated positions), and VIP lending services. The RLUSD/USDT trading pair will launch leveraged trading at 18:00 (Beijing time) on January 23. Users are reminded to be aware of the volatility risks of new cryptocurrencies and to manage their risk accordingly.

Odaily Planet Daily reports that CZ, speaking at the "New Era of Finance" panel discussion at the World Economic Forum in Davos, stated, "The overall scale of trading platforms has also surpassed that of last year. Currently, the crypto industry has two mature sectors: trading platforms and stablecoins. Looking ahead, I am optimistic about three new directions: First, tokenization is a very important direction. By tokenizing some assets, governments can actually solve financial problems more efficiently, improve the operational efficiency of the financial system, and thereby promote the development of related industries and trading markets. Second is payments. We have tried crypto payments in the past, but frankly, not many people actually use them. However, a trend is emerging: traditional payment methods are merging with crypto technology. For example, users use Visa, Mastercard, and other cards to complete payments, funds are deducted from their accounts, merchants receive fiat currency, and settlement and bridging are handled through stablecoins and blockchain. This model is gradually being implemented and will definitely develop in the future. The third direction is artificial intelligence (AI). He believes that the 'native currency' of AI agents should naturally be cryptocurrency, and blockchain is currently the most suitable native technology interface for AI agents." They are not true agents yet; they won't buy you plane tickets, book restaurants, or complete payments directly. But once AI truly has the ability to act and transact, cryptocurrency will become its most natural and native payment and settlement method.