Binance Blog

Main TakeawaysIndia’s Narcotics Control Bureau (NCB) announced enforcement action against “Team Kalki,” a darknet-linked narcotics distribution network that investigators said had been active since January 2025.The Data Security Council of India (DSCI) and Binance’s Investigations team supported the investigation with blockchain intelligence, including wallet-tracing support and assistance responding to law enforcement requests related to digital-asset flows.The case highlights how blockchain data, combined with public-private cooperation, can help investigators follow funds and disrupt criminal activity.India’s Narcotics Control Bureau (NCB), with critical support from the Data Security Council of India (DSCI) and Binance’s Investigations team, recently announced enforcement action on ‘Team Kalki’, a darknet drug syndicate that leveraged encrypted communication, hidden online forums and international suppliers to deliver narcotics across India. As part of the investigation, DSCI and Binance provided blockchain analytics, wallet tracking, and support related to cryptocurrency asset freezes linked to the network. The operation highlights the growing role of blockchain intelligence in investigations involving digital assets.Blockchain Transparency as a Law Enforcement AllyUnlike conventional financial systems, where illicit funds can disappear into complex, opaque networks, blockchain technology offers a public and immutable ledger that investigators can analyze to trace the flow of funds. In this operation, Binance and DSCI provided vital blockchain analytics and wallet tracking that helped authorities identify and freeze cryptocurrency assets linked to Team Kalki.This capability enables regulatory bodies and digital asset exchanges to act swiftly against scams and criminal enterprises. Blockchain records can be analyzed to support investigations.Operation Highlights: The Fall of ‘Team Kalki’Team Kalki coordinated orders through encrypted apps like Session, and hidden forums such as Dread, using covert “dead drops” to avoid detection.Blockchain transaction monitoring was instrumental in freezing the group’s assets and cutting off its financial channels.Authorities seized thousands of narcotics, from LSD blotters to MDMA pills, via domestic and international parcels connected to the network.S.B. Seker, Head of APAC, Binance, remarked, “Digital assets’ transparent blockchain infrastructure makes illicit activities more visible. This transparency is actually a significant advantage – it allows authorities to trace, investigate, and address wrongdoing more effectively.” “At Binance, security is fundamental to our mission. We prioritize safeguarding users and building trust by proactively identifying and mitigating risks. Operations against the likes of ‘Team Kalki’ demonstrate how combining blockchain transparency with enforcement efforts empowers the ecosystem to disrupt illicit activities. Binance remains dedicated to advancing best-in-class security standards to ensure a safe and resilient digital asset ecosystem where innovation can thrive.”Building a Safer, More Transparent Crypto EcosystemThe dismantling of ‘Team Kalki’ sends a clear message: no matter how sophisticated criminals’ digital methods are, the combination of investigative expertise and blockchain transparency will prevail.Operation Kalki illustrates the power of multi-stakeholder collaboration — between law enforcement, industry bodies, and exchanges like Binance — in leveraging blockchain’s transparency to fight crime. It reaffirms that emerging technologies, when used responsibly, can be powerful tools for good, enhancing security and enabling innovation.By shining a light on illicit activity, blockchain does not enable crime; it exposes and helps prevent it, supporting an ecosystem where legitimate users can thrive safely.Further ReadingBinance Helps Dismantle a Notorious Darknet Narcotics MarketplaceHow Binance Uses AI to Stay Ahead of Financial CrimeBinance Collaborates with Royal Thai Police to Dismantle Money Laundering Network

Main TakeawaysMining can generate BTC rewards on an ongoing basis, but it requires upfront hardware spend, ongoing electricity costs, and operational oversight.Buying BTC is the simplest way to get BTC exposure, but your results depend on your entry timing and ability to stick to a plan.Electricity cost is a key driver of mining outcomes. In the illustrative scenario below, mining looks more competitive below about $0.05/kWh, while buying tends to look more efficient above about $0.07/kWh (assuming other variables remain similar).Mining and buying are two common ways to accumulate BTC. They can both make sense, depending on your electricity price, time horizon, operational capacity, and risk tolerance.This article explains the practical trade-offs, then walks through a simplified case study to show how electricity costs can change the math. Numbers are illustrative and sensitive to network difficulty, uptime, fees, and BTC price.What You Get When You Mine BTCMining converts hardware and electricity into BTC rewards over time. Many miners like mining because it spreads acquisition across many days rather than a single purchase date, which can reduce the impact of buying at an unfavorable moment.Most individual miners don’t mine solo. Instead, they connect their hardware to a mining pool, such as Binance Pool, which combines hashrate from many participants to produce more consistent, predictable payouts than solo mining alone.Mining can also offer operational flexibility. If conditions change or you decide to exit, ASICs may retain some resale value, although resale prices can vary significantly. What You Get When You Buy BTCBuying BTC is operationally simple. You do not need to select machines, manage firmware, optimize cooling, monitor uptime, or coordinate pool and hosting setups. Your main decision is how much to buy, and when.A spot BTC position also avoids day-to-day operating expenses. Mining has recurring costs, primarily electricity, and those costs continue regardless of short-term BTC price moves.The Biggest Variable: Your Electricity CostIn the scenario used in this post, electricity cost is the main swing factor. Below about $0.05/kWh, mining economics can become more attractive over a multi-year horizon. Between $0.05 and $0.07/kWh, mining becomes more dependent on a longer time horizon and BTC price appreciation. Above about $0.07/kWh, buying typically looks more efficient for pure BTC accumulation in this simplified model.These ranges are not guaranteed. Actual outcomes depend on variables including network difficulty adjustments, uptime, pool fees, hosting terms, and hardware lifecycle.Case Study: $87,000 — Mine or Buy?This simplified example compares buying BTC today versus deploying the same capital into mining hardware, then paying electricity over time. Assumptions are stated explicitly, and results will change if any of them change. Setup (illustrative)Capital: $87,000 (5 * Antminer S23 Hyd at $17,400 each)Miner specs: 580 TH/s, 5,510W per unit, 9.5 J/TH efficiencyTotal hashrate: 2,900 TH/s = 0.0029 EH/sTotal power draw: 27.55 kWNetwork hashrate: ~873 EH/s (July 2026, source: mempool.space)BTC price: $62,000Pool fee: 4% FPPS (Binance Pool) — minor effect, omitted from net calculations for clarityBlock reward: 3.125 BTC (post-halving)Assumption: no difficulty adjustment (difficulty can change over time and may extend timelines)Option A — Buy BTCBTC acquired: $87,000 / $62,000 = 1.4032 BTCOngoing cost: $0 (excluding custody and storage costs)Result: 1.4032 BTC held from day one; your BTC balance does not grow unless you buy more.Option B — Mine BTC (gross output, then net after power)Daily gross BTC: 450 BTC per day * (2,900 / 873,000,000) = 0.001495 BTC per dayDaily gross USD: 0.001495 * $62,000 = $92.68 per dayDaily electricity: 27.55 kW * 24h = 661.2 kWh per dayBreak-even comparison across electricity ratesThe table below shows how long it takes, in this simplified model, for mining to accumulate the same 1.4032 BTC that the buyer holds on day one, along with cumulative electricity costs during that period. Assuming the BTC price remains unchanged, pool fees and downtime are excluded for clarity.Electricity rateDaily power cost (per day)Net BTC (per day) (after power)Days to mine 1.4032 BTCTotal electricity spent$0.05/kWh$33.06 per day0.000962 BTC per day1,459 days (4.0 years)$48,242$0.06/kWh$39.67 per day0.000855 BTC per day1,641 days (4.5 years)$65,112$0.07/kWh$46.28 per day0.000748 BTC per day1,875 days (5.1 years)$86,789$0.10/kWh$66.12 per day0.000428 BTC per day3,276 days (9.0 years)$216,579What this scenario could be suggestingAt $0.05–$0.06/kWh, mining reaches parity with buying on a BTC-denominated basis after roughly 4.0–4.5 years in this simplified model, while the buyer holds the full BTC amount from day one with no operating cost.At $0.07/kWh, the cumulative electricity spend approaches the original $87,000 hardware budget by the time mining reaches parity in BTC terms, and the timeline extends to 5.1 years in this model.At $0.10/kWh, mining looks uncompetitive in this simplified comparison, because the cumulative electricity cost grows far beyond the original hardware spend over the parity timeline.Hardware lifecycle also matters. The model does not price in depreciation, changing efficiency versus newer hardware, maintenance, or downtime. Even after “parity,” machines may be closer to end-of-life or less competitive depending on market conditions.Where Mining Has the EdgeEven in situations where a simplified snapshot appears to favor buying BTC, mining can still make sense under the right conditions, especially for operators with low electricity costs, strong uptime, and efficient infrastructure. Mining is also different from a one-time BTC purchase because it turns infrastructure and energy into ongoing BTC production over time. For some participants, that operating model is part of the appeal. It also offers flexibility: when mining economics are less favorable, an operator may choose to sell hashrate instead of mining directly, depending on market conditions and available platforms.Hardware can still pay you backResidual hardware value matters as well. A simple buy-versus-mine comparison often assumes the $87,000 hardware investment falls to zero, which may overstate the disadvantage of mining. In practice, newer-generation units and related infrastructure may retain resale or redeployment value. Even a conservative 15%–25% residual value implies roughly $13,000–$22,000 of recoverable value, which can improve the effective break-even.Tax treatment can shift the pictureTax treatment may also differ by jurisdiction. In some markets, mining equipment, electricity, and depreciation may receive business tax treatment that changes the after-tax economics versus simply buying and holding BTC. This depends on local rules and should be assessed with professional advice.In short, buying BTC may be simpler, but mining can still be a rational choice for operators with a structural cost advantage and a long-term view.Final ThoughtsMining and buying are both ways to build BTC exposure, but they behave differently. Mining outcomes depend heavily on your electricity rate, uptime, and how network difficulty and BTC price evolve over time. Buying concentrates timing risk into your purchase decisions, but avoids the operational and power-cost burden.If you are deciding between the two, it may be worth considering to start with your all-in electricity cost per kWh and your realistic ability to run hardware consistently. In the scenario above, mining may start to look more competitive below about $0.05/kWh, while buying tends to look more efficient above about $0.07/kWh, assuming other inputs remain similar. Of course, the key as always is to do your own research, and to ensure that whichever option you choose is best for your individual circumstances. Further ReadingMining Through Market Cycles: How Binance Pool Helps Miners Stay ResilientHow Retail Bitcoin Miners Can Manage Electricity CostsBeyond the Hashrate – A Binance Guide to Pool Payouts and ProfitabilityDisclaimer and Risk Warning: Digital asset prices are subject to high market risk and price volatility. The value of your investment may go down or up, and you may not get back the amount invested. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. Past performance is not a reliable predictor of future performance. You should only invest in products you are familiar with and where you understand the risks. You should carefully consider your investment experience, financial situation, investment objectives and risk tolerance and consult an independent financial adviser prior to making any investment. This material should not be construed as financial advice. This product may not be available in certain countries and to certain users. This content is not intended for users/countries to which prohibitions/restrictions apply. For more information, see our Terms of Use and Risk Warning.

Main TakeawaysBinance turns nine this week, and we're marking the milestone with stories from three long-standing employees and three Binance Angels who helped build it.Over the years, they’ve helped launch products, grow communities, mentor newcomers, and support millions of users around the world.As Binance evolved, so did they, with new careers, marriages, parenthood, friendships, and opportunities they never expected.Nine years is a long time in crypto. It's also a long time in a person's life.When Binance launched in 2017, nobody knew what the future would bring. Some of the people who joined in those early years are still here today. They have built products, grown communities, taught newcomers, answered countless questions, and helped shape Binance over the past nine years.As Binance evolved, so did they. They took on new roles, moved countries, got married, became parents, built lifelong friendships, and found opportunities they never expected when they first joined.That’s what this year’s anniversary theme, ‘Built by You’, is all about. We spoke with three long-standing employees and three Binance Angels about what they built, what they remember most, and how their years at Binance have shaped their lives.From One Writer to Millions of LearnersHenrique joined Binance in late 2018 as one of the earliest members of the Binance Academy team. He had been freelancing as a crypto writer and was already a Binance user when he saw the job listing and applied. At the time, he was the Academy team's only content writer.“The company was relatively new, and we had a great startup vibe,” he says. “I remember being amazed by how smart my colleagues were, and I did everything I could to learn as much as possible from them.”In those early years, the Academy team was small and focused on creating as much educational content as possible for an industry that was growing quickly. As the platform expanded, Henrique saw work he had helped create translated into more than 30 languages and made available to millions of people around the world.“I know there is still a lot to work on and improve, but having helped create and develop Binance Academy will always be something I am proud of.”Over the years, he grew from writer to senior editor, hiring and training larger teams as Binance Academy expanded. His life changed too. Joining Binance meant moving away from Brazil and adapting to life far from his family. He later got married and started a family of his own.“Looking back, I feel grateful and lucky to have had the opportunity to join Binance at such an early stage.”Carrying a Legacy ForwardSince 2018, Venky has supported communities across Southeast Asia and Africa as a Binance Angel, moderated the English Global Telegram channel, and contributed to Binance events around the world.His connection to the Binance community is also deeply personal.Venky's late twin brother shared his love for Binance, often wearing Binance swag and calling himself ‘a proud Binancian family member.’ After his brother died in a road accident, that connection took on a new meaning.“When I received his final belongings – the black hoodie he was wearing, the bracelet I once gave him from Sri Lanka – grief and pride collided into a single, unmistakable message: keep building.”Venky carried that message back into his community work. In 2025, he received the Community Builder Award at Binance Blockchain Week, which he says he accepted for both of them.“Binance was never just a platform to me,” he says. “It is where my brother’s pride lived, and where I now carry it forward, one community at a time.”Growing With the CommunitySisi joined Binance in early 2020 after interviewing to host Block 101, one of Binance's early podcasts. She later moved into community operations, with her responsibilities expanding into social media, as well as events and branding across Asia.She remembers three things most clearly about her early days: the pace, the passion, and the constant innovation.New to the industry herself, Sisi was learning crypto while keeping pace with an ecosystem that was changing at breakneck speed. She joined during the DeFi boom of 2020-2021, when new products, applications, and ways of using crypto were emerging almost daily. Keeping up with the industry quickly became part of the job.“The crypto space is inherently community-centric,” she says. “A successful project is inseparable from a cohesive community.”She has also seen her own approach to work change. Years of shifting responsibilities, international events, and changing user needs have made her more adaptable and more willing to take on new challenges. They also reinforced the importance of staying close to users.“Every time I earnestly address a client’s request – even something as small as guiding them through a product feature so they can use our service smoothly – the genuine gratitude and positive feedback reaffirm my purpose,” she says.A Volunteer Journey Full of FirstsSehrish, known in the community as Jassia, brought several years of community management experience with her when she joined as a Binance Angel in February 2021.Since then, she has supported communities across Pakistan and the wider Binance ecosystem, moderated more than 20 Telegram and Discord communities, hosted online events, mentored new Angels, and taken on the role of Feedback Buddy for the Binance Pakistan community.Her contributions have been recognized with several awards, including being named Binance Angel of the Year in 2025. But when Jassia looks back, some of her most important milestones happened far beyond the screen.During her time with Binance, she took her first flight, went on her first international trip, stayed in a hotel for the first time, and eventually travelled abroad on her own.“These weren’t just travel experiences,” she says. “They became life-changing memories that I’ll always cherish.”What started as volunteering for a community she believed in became one of the most meaningful chapters of her life.“Binance didn’t just give me opportunities,” Jassia says. “It gave me confidence, lifelong friendships, unforgettable memories, and a global family.”The Balloon King and Other Reasons to StayTram joined Binance in early 2021 without knowing much about crypto. The team saw that as an advantage: if a complete beginner could learn to navigate the industry, she could help make it easier for other newcomers too.She started in localization and content marketing before gradually moving into social media and community work as the Vietnam team grew.Her strongest first impression was the relationship users already had with Binance.“I never thought people could love a brand this much,” she recalls. At offline events, the Binance booth would draw long lines of people waiting to play games, collect swag, or simply speak with the team. “I even joked with my colleagues that I felt like an idol for a day.”Over the years, she came to understand where that enthusiasm came from. At one of Binance's annual community birthday celebrations in Vietnam, a community member known as the ‘Balloon King’ told her he'd started a small balloon business and that Binance had been part of its journey.“It was such a simple conversation, but it has stayed with me ever since,” she says. “Seeing how the Binance community has become part of someone’s personal journey and brought something positive to their life makes me proud to be part of it.”Almost six years later, Tram says she is proudest of helping build a community where many familiar faces have stayed for years. Her personal life evolved too: during her time at Binance, she got married and became a mother.“When I look back, I don’t just see the projects or campaigns,” she says. “I see how much I’ve grown as a person.”Opening the First DoorMax has been part of the Binance Angels community for almost five years. He started as a grassroots volunteer before moving into mentor and evaluator roles, supporting the Binance Argentina and Binance LATAM communities through moderation, events, and community initiatives.One of the contributions he is proudest of is a bootcamp designed to give new Angel applicants a more guided introduction to the community. The initiative was later adopted globally.For Max, the greatest reward has been watching the people who went through it grow.“Over these years, what motivates me most is seeing how people who arrived knowing nothing about the crypto world end up learning how to navigate the ecosystem,” he says. “Helping to open that first door – for colleagues, for the community, for those just starting out – is what gives everything meaning.”In 2025, Max was recognized as a Local Community Dynamo (Americas & LATAM) at the Binance Angels Awards, an achievement he says reflects the wider community that has supported him throughout his journey.Built by YouAcross these six stories, there's no single definition of what it means to build Binance: some built products, others built communities, mentored newcomers, shared knowledge, or simply showed up, year after year, for someone else.Their stories are different, but they all reflect the same idea behind Binance's ninth anniversary. The company has always been shaped by the people who contribute to it.To every employee, Angel, user, and community member who has been part of that journey, thank you.Binance was built by you.Further ReadingCelebrate Binance’s Ninth Anniversary With Over $4.5M Worth of RewardsBinance’s 9YA: Nine Years of Scaling Access And Utility For Our CommunityBuilt by You: How User Feedback Shaped Binance in 2026 so FarDisclaimer: The stories narrated are not intended to be and shall not be construed as an endorsement by Binance of such views or a guarantee of the reliability or accuracy of such content.Digital asset prices are subject to high market risk and price volatility. The value of your investment may go down or up, and you may not get back the amount invested. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. Past performance is not a reliable predictor of future performance. You should only invest in products you are familiar with and where you understand the risks. You should carefully consider your investment experience, financial situation, investment objectives and risk tolerance and consult an independent financial adviser prior to making any investment. This material should not be construed as financial advice. For more information, see our Terms of Use and Risk Warning.

Main TakeawaysBinance has steadily built crypto’s yield infrastructure, offering structured, regulated ways to earn on digital assets, from lower-risk products to more advanced strategies.Since 2019, Binance has distributed more than $10 billion in rewards across products including Binance Earn, Launchpool, HODLer Airdrops, and Binance Alpha AirdropsWithin Binance Earn, around $1.2 billion yield has been distributed to millions of stablecoin holders since 2022.Long-term Bitcoin holders now have another way to earn on idle BTC via BTC Yield (BTCY), a covered-call strategy for users seeking potentially higher APR than our standard flexible earning products.HODL. Hold on for dear life. One of crypto’s most defining mantras, and the strategy for many of its earliest investors. People would buy Bitcoin, hold, and wait patiently for the price to go up. Then during the 2020–21 boom, a string of products arrived with eye-watering yield returns on digital assets. Much of that first wave was the Wild West: unsustainable and loosely governed. Over the past several years, crypto has matured from a market defined by price appreciation into one where digital assets can generate yield through structured, regulated products, backed by real strategies rather than unsustainable rates. The Demand for Stablecoin YieldFor a crypto trader, stablecoins are a place to wait, somewhere to hold value between positions without cashing out to fiat and back. In hyperinflated economies, they can allow people to protect their savings against a depreciating local currency. Why should those stablecoins sit idle? They represent a massive pool of value, and over recent years, holders have been able to put them to work on Binance.Since 2022, Binance Earn has paid roughly $1.2 billion in yield to millions of stablecoin holders. On an annualized basis, RWUSD returned 3.36% and the delta-hedged BFUSD 2.09%, against a US national savings deposit rate of 0.38% — up to roughly 8.8 times higher over the same period. The stablecoin numbers are just one part of the crypto yield infrastructure Binance is building. An Entire Ecosystem of ProductsBetween 2019 and 2026, Binance distributed approximately $10 billion in total yield to users, across a full range of products, including Flexible and Locked Products, Binance Alpha, Launchpool, Megadrop, HODLer airdrops, and more. Our products suit a range of risk appetites, including more cautious first-time savers, as well as active traders deploying advanced strategies. Instead of a one-off program launched to chase a hot market, we’ve built an entire ecosystem that has generated $10 billion in yield through the market’s worst stretches and its best.Bitcoin, the Hardest Asset to CrackWhich leaves Bitcoin, the one asset whose identity has historically revolved around holding and waiting, with only a very limited selection of regulated, yield-bearing products.Part of why it’s so hard is technical. Networks like Ethereum and Solana pay holders to help secure the network through staking, so yield is built into the protocol itself. Bitcoin has no such mechanism and is secured by miners instead of holders. To generate a return, holders have historically had to move their coins somewhere riskier, wrapping them into other tokens, lending them to institutions, or handing them to sketchy third-party platforms.On July 7, 2026, Binance introduced BTC Yield (or BTCY), a way for long-term holders to earn income on Bitcoin that would otherwise sit idle. How does BTC Yield work?You subscribe with Bitcoin and receive BTCY. BTCY is not a token and is not BTC itself; it exists only within the BTC Yield product.Binance holds the Bitcoin and runs a covered-call strategy. It sells other traders the right to buy that Bitcoin at a set price (also known as the strike price) for a premium. When the price stays at or below that set price, the option expires. The strategy keeps the premium and distributes a portion to you as your yield.When the price rises above that set price, your upside is capped. You may still benefit from premium income and BTC value accumulation up to the strike price, but not from gains beyond it.This approach is common in traditional finance, but typically requires advanced expertise in options. With BTC Yield, Binance handles the behind-the-scenes work.Explore BTC YieldHow are returns distributed?Some of the collected premium is converted to Bitcoin and paid into your spot account every Friday, as a potential weekly distribution. Some is retained in the strategy, so that each BTCY unit gradually comes to represent slightly more Bitcoin. That value is realized when you redeem back into BTC.It’s important to note that BTC Yield isn’t free or risk-free. Binance takes 15% of gross option premiums before yield is calculated, and redemption fees apply. Your principal (BTC) is not protected, and you may lose some or all of your investment. Weekly distributions are never guaranteed and can be zero. The covered-call approach caps upside during sharp rallies, because the calls can be exercised. BTCY is built for holders who want potential income on idle Bitcoin and accept those trade-offs, not for users chasing the next vertical move. It’s part of a larger lineup of products spanning a range of risk appetites. Simple Earn offers baseline yield on BTC with flexible terms. Advanced Earn goes further, with structured products like Dual Investment, which can pay out whichever way the market moves, and on-chain restaking through partners like Babylon and Solv. Final ThoughtsAn asset you can only evaluate on whether the price rises stays as speculation by definition. An asset that also generates income invites different questions: return over time, risk, the range of yield available on it. These are the same questions investors and institutions bring to every mature market. Binance has been helping crypto cross that line for years, one product at a time. Bitcoin sitting idly can now earn yield across a range of regulated products on Binance. HODLing is no longer the only option. Further ReadingSimple Strategies to Earn Income with Stablecoins on Binance EarnOn-Chain Yields Made Simple with BinanceHow to Make Your Crypto Work for You With Binance EarnDisclaimer: Digital asset prices can be highly volatile. The value of your investment may go down or up and you may not get back the amount invested. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. Simple Earn Locked Products will return the digital assets to users’ spot accounts after the agreed period ends or upon early redemption. Binance does not guarantee that you will receive any specific reward over time. APR is an estimate of rewards you will earn in cryptocurrency over the selected timeframe. It does not display the actual or predicted returns/yield in any fiat currency. APR is adjusted daily and the estimated rewards may differ from the actual rewards generated. For Dual Investment, you may be better off holding your cryptocurrency, and may be required to trade at a rate less favorable than the market rate on the Settlement Date. The value attributable to your BTCY strategy position may go down or up, and you may not receive back the amount of BTC you allocated. By participating in BTC Yield, you are converting your subscribed BTC to BTCY. BTC Yield is not capital protected, and you may lose some or all of your BTC. Any BTC Credits, APY, realised APY, illustrative yield, or similar figures shown in connection with BTCY are for information purposes only, are not guaranteed, may be zero, and refer to BTC-denominated amounts only rather than actual or predicted returns in fiat or any other digital asset such as BTC. BTC Yield uses a strategy that may underperform holding BTC directly, including in periods of strong BTC price appreciation. When you exit BTC Yield, the amount of BTC returned to you will depend on the applicable valuation at the relevant processing time, and this may be higher or lower than the valuation shown when you submitted your request. Fast Exit may be unavailable, and Standard Exit may be subject to processing windows, capacity limits, delays and fees. Binance does not provide financial, legal, tax or investment advice, and you are solely responsible for your investment decisions. For more information, please see the BTCY Terms, Terms of Use and Risk Warning.

Main TakeawaysBinance offers multiple ways to access equity-linked markets – including pre-IPO and listed price exposure via perpetual futures, U.S.-listed direct stocks, and bStocks, tokenized on-chain securities.Early data suggests these products are heavily used together. 58.5% of bStocks users also traded perpetual futures or direct stocks in the same period.Outside regular U.S. market hours, bStocks become the majority of equity-linked volume (bStocks and direct stocks) on Binance, rising to 58% after the closing bell from 48% during the regular session.In recent months, Binance has expanded its core offerings to include an entire ecosystem of TradFi-linked products, such as TradFi perpetual futures contracts, including Pre-IPO exposure, access to U.S. listed stocks, and bStocks, on-chain tokenized securities.But how are these products being used in practice? Two things stand out. Users are moving freely between all three formats, and the on-chain layer is scaling faster than many observers would expect. Not only is there growing demand, but for 4 in 10 bStock users, the token was their first entry point into Binance's TradFi products. In other words, on-chain is becoming the way in.bStocks are Becoming the Front DoorRoughly 41.5% of bStocks users started their TradFi journey on Binance with our tokenized security offering. Instead of acting as just an add-on for existing stock traders, we’re seeing bStocks potentially become a gateway into equities for an entirely new generation that began its financial journey in crypto. Figure 1: 41.5% of bStocks users came in through bStocks alone, having previously never used perps or direct stocks on Binance. Source: Binance Research, as of July 8, 2026The market these users are entering young and growing fast. In under a month, we’ve increased bStock listings from 5 to 36, while the product’s market cap crossed roughly $300M over the same period. Users want access to tokenized securities, and at Binance, we’ve been steadily meeting the demand by expanding the list of available assets.When Wall Street Sleeps, Binance Takes the Night ShiftPart of the reason for bStocks’ rapid growth is its 24/7 trading. Traditional U.S. equity markets operate on a 24/5 schedule, Monday through Friday. Outside those hours, any reaction from news, earnings, and macro events stays frozen until markets reopen.Figure 2: bStocks trading volume during trading hours and off-hours. Source: Binance Research, as of July 8, 2026Binance stock trading also offers extended weekday hours, and users are leaning towards bStocks trading during these extended hours. During the regular session, bStocks and direct stocks run close to even, with bStocks at 48% of equity-linked volume. After the closing bell, bStocks becomes the majority at 58%. A market that stays awake, along with the flexibility of digital assets, is a strong proposition for both crypto-native and TradFi traders. bStocks Utility Runs Deeper Than 24/7 TradingRound-the-clock access is just one advantage. What keeps users is what the bStock market can accomplish compared to traditional assets. Each bStock is backed 1:1 by a share held in a regulated custodian account, which is publicly verifiable through Binance's Proof of Collateral page. Dividends are reinvested automatically via a token rebasing mechanism called the Multiplier.Beyond trading and holding, bStocks can be used across various on-chain applications. For example, users can supply their bStocks to liquidity pools, use it as collateral, or deploy across DeFi strategies to generate extra yield, with PancakeSwap LPs showing APYs from roughly 32% to 228% and native credit pools in the 5% to 10% range.Figure 3: bStocks DeFi yield opportunities. Source: Binance Research, as of July 8, 2026Another important piece of utility is that, unlike most platforms with tokenized securities offerings, Binance users can freely move between a bStock and its underlying stock 1:1 instantly, with zero conversion fees. This frictionless loop helps keep the price tightly pegged. And, because TradFi markets don’t operate 24/7 and aren’t on-chain, temporary price differences can emerge between a bStock and its underlying stock, opening primary-market arbitrage opportunities to all users.Between June 11 and July 8, 2026, a sample of users generated $216M in rapid back-to-back trades across bStocks and the matching equities. A small group of systematic traders accounted for most of the volume, but the overwhelming majority were retail participants, many showing up just once to catch a fleeting price gap before moving on. Binance Users are Moving Across ProductsbStocks, however, doesn’t sit in its own silo, and neither does any product on Binance. Putting perps, stocks, and tokenized securities under one roof allows our users to diversify and build integrated portfolios instead of managing scattered positions across separate apps. The data so far shows that’s already happening: 58.5% of bStock users also traded perps or equities: 25% across perps and bStocks, 20.7% across all three, 12.7% across equities and bStocks. Let’s look at SPCX’s recent listing as an example. 8.6% of users who traded its pre-IPO perps went on to trade the bStock, against just 0.6% who moved into the direct stock, nearly a 14x edge for the tokenized format as an on-ramp. A likely explanation for the dramatic difference is familiarity. A token that trades on-chain and sits in the same wallet feels natural to a user who already trades pre-IPO perps. The direct stock, with its separate infrastructure and market hours, is the unfamiliar option. Final ThoughtsBinance has built an ecosystem of TradFi-linked products that is growing rapidly. bStocks listings and on-chain market cap have grown dramatically since launch, while trading is increasingly moving from the exchange floor to bStocks outside U.S. market hours. Even more telling is how connected the pieces are. Binance users are moving from perpetual futures to direct stocks to bStocks – a full loop that works both ways just as seamlessly. It's early, but the signals point to a real shift in how users trade traditional markets, with Binance at the forefront of this movement.Further ReadingHow Binance Serves Your Full Financial Journey: One Super App Instead of a DozenWhy Traditional Markets Are Starting to Trade Like Crypto, According to ThreadGuyAccessing Stocks With Crypto: Three bStocks User StoriesDisclaimer: Nest Trading Limited acts as your introducing broker and routes your orders for Securities to its clearing broker partner, Alpaca Securities LLC, for execution, clearing, settlement and custody. Binance does not handle or custody your Securities. Securities are subject to high market and liquidity risk and price volatility (particularly outside traditional market hours). The value of your investment may go down or up and you may not get back the amount invested. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. Past performance is not a reliable predictor of future performance. Before trading, you should make an independent assessment of the appropriateness of the transaction in light of your own objectives and circumstances, including the risks and potential benefits. Consult your own advisers, where appropriate. This information should not be construed as financial or investment advice. Binance may receive payment for order flow remuneration for directing your orders. To learn more about how to protect yourself, visit our Responsible Trading page. For more information, see our Terms of Use, Securities Trading Product Terms and Risk Warning.Disclaimer: bStocks Tokenized Securities are classified as Certificates representing certain Financial Instruments (paragraph 92, Schedule 1 to FSMR). bStocks are not stocks or shares and bStocks do not allow holders to directly own a share or stock in the underlying listed company. bStocks do not represent any affiliation with the underlying asset's issuer. bStocks are offered through an Approved Prospectus in the ADGM and are not offered in any other jurisdiction. No public offer is made outside of the ADGM. Tokenized securities are available only to eligible users in permitted jurisdictions on a secondary market basis only. It is your sole responsibility to ensure that accessing and trading tokenized securities is lawful in your jurisdiction before proceeding. Accessing this product from a jurisdiction in which it is prohibited or restricted does not create any liability or obligation on the part of Binance. We may restrict, suspend, reject, cancel, or unwind access or transactions if we determine, in our sole discretion, that your access or transaction may breach applicable law, product restrictions, eligibility criteria, sanctions requirements, or the relevant offering documents. Tokenized securities may be held and transferred on-chain outside the CSD environment. The transfer of tokenized securities back into the CSD environment is subject to conditions and you may be unable to trade, redeem or otherwise deal with the tokenized securities within the CSD environment if such conditions are not fulfilled. No information displayed in connection with tokenized securities is intended as an offer, solicitation, promotion, recommendation, or invitation to buy or sell securities in any jurisdiction. Tokenized securities are not offered, sold, distributed, made available, or accessible in the United States or to, or for the account or benefit of, U.S. persons. The tokenized securities have not been and will not be registered under the U.S. Securities Act of 1933 or any U.S. state securities laws and a public offering of bStocks will not be conducted in the United States or any other jurisdiction (other than the ADGM). By accessing this product, you represent and warrant that you are not a U.S. person, are not located in the United States, are not acting for the account or benefit of any U.S. person, and will not access, purchase, sell, transfer, redeem, or otherwise transact in tokenized securities from within the United States. For more information, see the Terms of Use, Exchange Rules, Exchange Procedures, relevant Prospectus (if applicable to you and understanding that the offer is only made in ADGM, no public offer is being made elsewhere and viewing the prospectus does not constitute an invitation or solicitation outside ADGM), bStocks Minting and Redemption Product Terms, Admission to Trading Notice and Risk Warning.Digital asset prices can be volatile. The value of your investment may go down or up and you may not get back the amount invested. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. TradFi Perps are subject to high market risk and price volatility (particularly outside traditional market hours). You may be called upon at short notice to make additional margin deposits or interest payments. If the required margin deposits or interest payments are not made within the prescribed time, your collateral may be liquidated. Moreover, you will remain liable for any resulting deficit in your account and interest charged on your account. All of your margin balance may be liquidated in the event of adverse price movement. Past performance is not a reliable predictor of future performance. TradFi Perps do not represent ownership of the relevant underlying asset. Before trading, you should make an independent assessment of the appropriateness of the transaction in light of your own objectives and circumstances, including the risks and potential benefits. Consult your own advisers, where appropriate. This information should not be construed as financial or investment advice. This content is presented to you on an “as is” basis for general information and educational purposes only, without representation or warranty of any kind. It should not be construed as financial advice, nor is it intended to recommend the purchase of any specific product or service. Digital asset prices can be volatile. The value of your investment may go down or up and you may not get back the amount invested. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. Not financial advice.

Main TakeawaysIn H1 2026, Binance collected 2,354 pieces of user feedback across product areas, with 198 improvements shipped across 47 sub-categories.User feedback directly informed improvements across Futures and Copy Trading, P2P, Binance Chat, Binance Wallet, account experience, navigation, and more.As Binance celebrates nine years, these updates embody our core principle: the best platform is built for and with the people who use it every day.For nine years, Binance has grown alongside its users. From our earliest days to today’s global financial ecosystem, your feedback has played a central role in shaping what we build, improve, and prioritize. Every suggestion, complaint, support ticket, product request, and community comment helps us understand where the experience can be better and more useful for you.As we celebrate our ninth anniversary, the theme Built by You captures one of the most important truths about the platform: our users help shape what and how Binance is.In the first half of 2026, Binance collected 2,354 pieces of user feedback across product areas. Based on these, we shipped 198 improvements between January 1 and June 30, spanning 47 product sub-categories.Some were small fixes that removed everyday friction; others improved safety, reliability, trading workflows, or how you interact with new products. Together, they illustrate how user feedback becomes product progress, leading to better experience and better outcomes for the entire Binance community.Turning User Feedback Into Product ImprovementsIn H1 2026, some of the highest-volume shipped improvements came from Futures and Copy Trading, where 78 feedback-driven items were released. You asked for things like clearer position information and more flexible order settings, as well as the overall smoother trading experience. In response, we shipped updates such as leverage visibility in copy trading position history and advanced TP/SL settings for lead trading conditional orders, among many others.We saw that traders needed better visibility into how positions were opened and more flexible tools for managing risk. Another common theme in user comments was the desire for clarity. You wanted to see the leverage ratio used when trades were originally opened and have the platform remember previously entered futures order quantities instead of forcing you to start from scratch every time.These are the kinds of details that become important in active trading. When markets move quickly, better information and fewer manual steps can make the experience more efficient and more intuitive – and with your help, these and many other improvements are now live on Binance.Making P2P Safer and FairerP2P remains one of the most important ways users access crypto in many markets. It is also an area where trust and efficient dispute handling are especially important.In H1 2026, your feedback helped us drive several P2P improvements, including changes related to payment security and merchant review fairness.Some users raised concerns about collaborative payment experiences and asked for more control and additional safeguards, which we delivered. Others, including P2P merchants, highlighted how unfair or malicious negative reviews could affect their reputation without a clear appeal route. In response, we shipped a P2P negative feedback appeal feature, giving merchants a way to request review or removal of unfair ratings.Overall, you made it clear that you wanted P2P to remain flexible, but also to have stronger protections and fairer processes. The feedback helped us improve both.Making Chat and Support More ReliableIn H1 2026, chat and messaging – our brand-new functionalities – generated one of the largest feedback volumes, with users flagging desired improvements across support, P2P communication, and specific aspects of reliability. We responded by shipping nine feedback-driven improvements in these areas.Early on, you reported cases where chat messages failed to send reliably on weak or intermittent networks, while some saw unread message counts showing 99+ even after all messages had been read. Others pointed out that notification volume, message layout, and input box behavior made the chat experience harder to use.We shipped fixes and improvements across these areas, including message reliability updates, an unread count bug fix, support for sending images in CS Chat, notification volume optimization, and a fix for the input box overlapping recent messages.Individually, these may look like small changes – yet in practice, they improve moments when users need the platform to work clearly and reliably.More Secure and Intuitive User InterfacesYour feedback also shaped improvements across Binance Wallet, account flows, and app navigation.For Binance Wallet, you asked for clearer and more transparent experiences in Web3-related flows. One example involved RWUSD redemption, where users wanted the interface to clearly show whether fast or standard redemption was being used. We improved the UI so you could better understand the active redemption mode.In account and KYC flows, you reported loading and freeze issues that affected the experience. We shipped fixes aimed at improving stability and reducing friction in those moments.For the app homepage and navigation, you flagged accidental triggers in the bottom navigation experience, especially when light touches or long presses activated unintended behavior. We optimized bottom navigation sensitivity to reduce accidental triggers and improve day-to-day usability. Users also reported page loading issues after app updates, which were fixed in June.Final Thoughts: Built by You, Improved With YouThe strongest products improve through constant contact with real users and their actions.In H1 2026, you helped us identify issues, suggest product enhancements, and highlight opportunities across trading, P2P, chat, wallet, account, and app experiences. Binance teams turned many of those signals into shipped improvements, with more feedback continuing to inform future product work.As we celebrate nine years of Binance, Built by You is a reminder of how far the platform has come because users kept pushing us to make it better. Every comment helps, and every suggestion gives us another chance to improve. You can always share your product feedback here.Thank you for building with us.Celebrate with usFurther ReadingCelebrate Binance’s Ninth Anniversary With Over $4.5M Worth of RewardsBinance’s 9YA: Nine Years of Scaling Access And Utility For Our CommunityHow Binance Serves Your Full Financial Journey: One Super App Instead of a DozenDisclaimer: Digital asset prices are subject to high market risk and price volatility. The value of your investment may go down or up, and you may not get back the amount invested. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. Past performance is not a reliable predictor of future performance. You should only invest in products you are familiar with and where you understand the risks. You should carefully consider your investment experience, financial situation, investment objectives and risk tolerance and consult an independent financial adviser prior to making any investment. This material should not be construed as financial advice. For more information, see our Terms of Use and Risk Warning.

Main TakeawaysThis blog summarizes the findings of the recent Binance Research report discussing key developments of crypto markets in June 2026.In June, total crypto market capitalization declined 16.9% to $2.13T, with altcoin spot selling at a 5-year high coupled with 20.5% BTC’s decline.Looking ahead, Iran ceasefire and spot ETF flows remain key watchpoints with consolidation likely until institutions return to spot.This blog summarizes key Web3 developments in June 2026 from Binance Research’s monthly report to provide an overview of the ecosystem’s state. We analyze the performance of crypto and DeFi markets before previewing major events to look out for in July 2026.Crypto Market Performance in June 2026In June, total crypto market capitalization declined 16.9% to $2.13T, with altcoin spot selling at a 5-year high, having persisted for 15 months.May inflation came in as expected at 4.2% overall, but the Fed turned hawkish on June 17, lifting its 2026 median to 3.8% and December hike odds to 77%.BTC’s decline from $83,000 unfolded in three stages: stronger-than-expected May payrolls weakened hopes for rate cuts, MicroStrategy selling 32 Bitcoin, and failed Iran ceasefire talks – which confirmed the earlier bounce was a temporary relief rally.Fed signals will keep driving market liquidity, while the Iran ceasefire and spot ETF flows remain key watchpoints with consolidation likely until institutions return to spot. The July 17 CLARITY Act hearing is also key, with passage odds slipping from around 75% to 38%.Monthly crypto market capitalization declined 16.9% in June. Source: CoinGecko, Binance Researchas of June 30, 2026Performance across majors was broadly negative in May, though losses varied widely based on ETF flows, treasury activity, and network-specific catalysts.HYPE held up best, down 10.1% after last month's surge, followed by TRX with 10.7%, cushioned by Tron Inc.'s treasury accumulation and record network activity of 3.3 million active addresses. SOL fell 10.8% despite capturing 95% of tokenized equity trading volume via SPCX on Jupiter.With Strategy's STRC falling below $83, BTC dropped 20.5%, pressured by lower bitcoin prices and a reserve-draining bond buyback. ETH fell 21.5% on Foundation departures, partly offset by the Ethlabs launch. XRP declined 22.0% despite a landmark JPMorgan-Ripple-Mastercard settlement pilot.BNB fell 23.2%, cushioned by the bStocks launch, which enables 24/7 trading of Nvidia, Tesla, Circle, Micron and SanDisk on BNB Chain at 1:1 conversion with zero fees. XLM dropped 27.8% even as its developer base grew 50% year-over-year. DOGE was the weakest, down 28.8% amid the broader correction.Monthly price performance of the top 10 coins by market capitalization. Source: TradingView, Binance Research as of June 30, 2026Decentralized Finance (DeFi)TVL share of top blockchains. Source: DeFiLlama, Binance Research as of June 30, 2026 Two months after the April exploit, DeFi Total Value Locked (TVL) declined 13.2% MoM to $69.32B, primarily driven by token price decline. Base and Tron led with strong MoM gains, expanding their combined share to 12.19%. DeFi hacks fell 89% from April's $644M peak to $71M in June, returning to normal levels, signaling genuine market stabilization.Tokenized Real-World Assets (RWAs)RWA net monthly growth by category. Source: RWA.xyz, Binance Research as of June 30, 2026 Total RWA asset value reached approximately $31.7B in June 2026, with the private credit sector posting the strongest MoM growth, adding approximately $883M. This drove Centrifuge to reinvigorate private credit tokenization, with its $200M JAAA issuance on Solana demonstrating institutional-grade asset viability on-chain.Binance launched bStocks, converting live US stock holdings into BNB Chain tokens for 24/7 on-chain trading. Per our latest report, 80% of tokenized stock trading originates from emerging markets, while 93% of trades are fractional with a median size of $18.81, enabling sub-$20 exposure to high-value equities.Binance Research conservatively projects the tokenized RWA market could expand to $661B at 0.4% penetration, a 62x upside from current levels due to broader platform participation and maturing infrastructure.July Events and Token UnlocksTo help users stay updated on the latest Web3 news, the Binance Research team has summarized notable events and token unlocks for the month to come. Keep an eye on these upcoming developments in the blockchain space.Notable Events in July 2026. Source: Cryptoevents, Binance ResearchLargest token unlocks in USD terms. Source: CryptoRank, Binance ResearchFinal ThoughtsThis article is only a snapshot of the full report, which contains further analyses of the most important charts from the past month. The full report explores several themes shaping the market, including how SpaceX validates the liquidity transition, how record World Cup volume points to a US$739B prediction markets by 2030, and how bStocks delivering 0.12% average price parity during the 65.5-hour Juneteenth weekend closure builds more confidence in 24/7 markets.Read the full version of this Binance Research report here.Further ReadingBinance Research: What Crypto’s 2025 Taught Us – and What to Watch in 2026Binance Research on Key Trends in Crypto – June 2026Binance Research on Key Trends in Crypto – May 2026Disclaimer: This material is prepared by Binance Research and is not intended to be relied upon as a forecast or investment advice and is not a recommendation, offer, or solicitation to buy or sell any securities or cryptocurrencies or to adopt any investment strategy. The use of terminology and the views expressed are intended to promote understanding and the responsible development of the sector and should not be interpreted as definitive legal views or those of Binance. The opinions expressed are as of the date shown above and are the opinions of the writer; they may change as subsequent conditions vary. The information and opinions contained in this material are derived from proprietary and non-proprietary sources deemed by Binance Research to be reliable, are not necessarily all-inclusive, and are not guaranteed as to accuracy. As such, no warranty of accuracy or reliability is given, and no responsibility arising in any other way for errors and omissions (including responsibility to any person by reason of negligence) is accepted by Binance. This material may contain ‘forward-looking’ information that is not purely historical in nature. Such information may include, among other things, projections and forecasts. There is no guarantee that any forecasts made will come to pass. Reliance upon information in this material is at the sole discretion of the reader. This material is intended for information purposes only and does not constitute investment advice or an offer or solicitation to purchase or sell in any securities, cryptocurrencies, or any investment strategy, nor shall any securities or cryptocurrency be offered or sold to any person in any jurisdiction in which an offer, solicitation, purchase, or sale would be unlawful under the laws of such jurisdiction. Investment involves risks.

Main TakeawaysBinance turns nine as a global digital finance ecosystem serving over 300 million retail users, with continued growth across both retail and institutional adoption in H1 2026.Across all products, Binance has processed $156.4T in all-time trading volume, while continuing to expand access across crypto, stablecoins, traditional and tokenized securities, TradFi perpetuals, payments, cards, fiat rails, and rewards.Our ninth year is all about building what users need next: more access and utility, stronger trust, and a more continuous experience as the boundaries between crypto and traditional finance continue to blur.Binance began with the mission to make crypto more accessible to more people. Nine years later, what started as a crypto exchange has become a much broader digital finance ecosystem serving people across markets, languages, use cases, and levels of experience.That growth belongs to the Binance community. Every product we have built and every new layer of utility we have added has been shaped by users who wanted better access to financial opportunities. Some came to Binance to trade their first digital asset; others, to manage stablecoins, explore Web3, earn rewards, access global markets, use crypto payments, or build businesses and communities of their own.As Binance turns nine, we find ourselves at the cutting edge of the convergence of digital assets, traditional markets, stablecoin rails, tokenization, payments, savings, and on-chain utility into one user experience. The old line between TradFi and crypto is becoming less important than the real question: what do users need, and how can we help them access it securely and efficiently?Growth Through Every MarketBinance continued to grow in H1 2026, adding roughly 7% registered retail users, while institutional users grew 9%. This continued growth reflects demand from both everyday users and professional market participants who increasingly see digital assets as part of a broader financial toolkit.Scale and access come hand in hand. Across all products, Binance has now processed $156.4T in all-time trading volume, up from $145T at the end of 2025. That means users added roughly $11.4T in trading volume through Binance in the first part of 2026 alone, representing 7.8% growth from the previous year-end total.At the same time, we continued to broaden the range of digital assets available to users. Binance added 11% more coins and 3% more trading pairs, helping users discover and access more opportunities across the crypto market.From Crypto Exchange To Digital Finance Super AppIn 2026, a major vector of Binance’s evolution was the expansion of access beyond crypto-native markets. Users increasingly want one platform that can help them move across digital assets, stablecoins, public-market exposure, payments, and on-chain utility, and our product strategy is evolving around that reality.This year, Binance expanded access to traditional market exposure through products such as TradFi perpetuals, Direct Stocks, and bStocks. Since March 2026, Binance has processed more than $80B in monthly TradFi trading volume, showing how quickly demand can form when users are given simpler access to assets that were historically harder to reach.In June 2026, we opened access to more than 7,000 U.S. stocks and ETFs. Direct stocks on Binance reached $1B in assets within roughly 30 days of launch, alongside close to $3B in cumulative trading volume. More than 73% of first-month direct stock trading volume came from emerging-market users, illustrating that when access becomes easier, global demand follows.bStocks added another layer: within 15 days of launch, bStocks crossed $100M in assets, with 47% of volume taking place outside U.S. market hours. A stock-linked asset can move closer to the speed, availability, and flexibility that crypto users already expect.Binance Research projects that crypto exchanges could bring nearly 300M new users and around $2T in incremental capital into global equity markets by 2031. We see this as part of a broader transformation as digital finance is becoming more open and user-driven.Built by YouServing hundreds of millions of people means listening carefully to what users need in different markets and at different moments in their financial journey. In the first half of 2026, Binance collected 2,354 pieces of user feedback, with 198 improvements shipped across 47 sub-categories.One example is Binance Junior: families told us they wanted the product to go beyond saving and become a safer, more practical way to teach children about digital money. In response, we added Merchant Pay for Junior users, with parental controls and restrictions on not-junior-friendly categories, so families could introduce real-world spending in a more protected environment. We also brought the ABC’s of Crypto eBook directly into the Binance Junior app as a mobile-friendly educational resource, giving parents and children a simpler way to learn about crypto, saving, and responsible money habits together.On the VIP side, our team heard users suggest that recognition should better reflect the different ways they engage with Binance instead of just one narrow measure of activity. In March 2026, we updated VIP eligibility thresholds to make progression more accessible for VIP 1-3 users, including lower BNB holding and Futures trading volume requirements, while maintaining a balanced fee structure.We also introduced a new Holder framework that allows users to qualify through broader asset holdings across Binance products, expanded holder-based eligibility up to VIP 9, and launched VIP Rising Star to support users who are building toward VIP status. Together, these changes made the program more flexible, more inclusive of long-term holders, and better aligned with how users actually participate across the Binance ecosystem.Trust At Global ScaleAccess only matters if users can trust the platform behind it. As Binance has grown, we have continued to invest in compliance, security, and cooperation with law enforcement agencies around the world.All-time, Binance has responded to 313,653 law enforcement requests. From January to June 2026 alone, we processed 36,235 requests. These figures reflect the scale of our cooperation with authorities and the importance of responsible growth as digital assets become more widely used.In 2026, funds recovered or frozen by law enforcement partners with Binance’s support exceeded $40M. All-time recovered or frozen funds with Binance’s support reached $1.02B, crossing the $1B milestone for the first time.Expanding access to digital finance requires strong safeguards, serious compliance infrastructure, and a long-term commitment to protecting users and the ecosystem.More Utility For Everyday Financial LifeThe next era of digital finance will be defined by utility. Users think in needs: how to trade, invest, pay, save, earn, move money, and access financial opportunities more easily.Binance Pay has integrated QR-code national payment systems in six countries, with the number of integrations on track to reach 10 countries in Q3 2026. Binance Card is now available in 36 countries. These products help bring digital assets closer to everyday spending and real-world financial activity.Fiat access also continued to expand. In H1 2026, Binance fiat rails processed $83.3B in transactions, up 29% from the same period in 2025. Better fiat rails mean a smoother bridge between traditional money and digital assets for users.Binance Earn and rewards products have also continued to deliver value. Between 2019 and 2026, Binance Earn distributed $4.1B worth of user savings and earnings. Binance Alpha, our Web3 discovery surface, has distributed almost $0.8B in rewards all-time. Launchpool, Megadrop, and HODLer Airdrops have distributed $5.1B in total rewards all-time. Across these three pillars, the aggregate value returned to our community exceeded $10 billion.A Community That Keeps GrowingBinance’s ninth anniversary is ultimately a celebration of the people who made this journey possible. Our community has grown across countries, channels, languages, events, and digital spaces. In 2026, that growth has increasingly shifted toward higher-scale digital engagement.By June 15, virtual attendees had already reached 2.2M, nearly 69% of the full-year 2025 total. Total community attendance had reached 2.29M, already more than 60% of the 2025 full-year figure.Binance Square also continued to grow as a space for creators, discussion, education, and market conversation. By mid-June 2026, Binance Square had reached 4.74M creators, surpassing its 2025 creator base of more than 3M and adding more than 58% more creators.This is what the global Binance community in action looks like: users learning together, creators building audiences, users discussing markets, and each and every one of you helping shape the next phase of digital finance.Final Thoughts: Built Around What Users Need NextNine years in, Binance is still guided by the same core mission to expand access to financial opportunity through digital assets. What has changed is the scale and the needs of the users we serve.Today, that mission extends across crypto trading, stablecoins, institutional access, direct stocks, bStocks, TradFi perpetuals, payments, cards, fiat rails, Earn, rewards, community, education, and on-chain utility. This is the foundation of our super app approach: a growing ecosystem built around how users actually manage their financial lives.The next era of digital finance will be defined by better access, more user control, stronger utility, and a regulated way to participate in global markets. That is the future Binance is building toward – with and for our users. When all is said and done, this future will be built by you.Celebrate with usFurther ReadingCelebrate Binance’s Ninth Anniversary With Over $4.5M Worth of RewardsHow Binance Serves Your Full Financial Journey: One Super App Instead of a DozenThe Full-Market Loop on Binance: From Pre-IPO to Stocks to On-Chain and BeyondDisclaimer: Digital asset prices are subject to high market risk and price volatility. The value of your investment may go down or up, and you may not get back the amount invested. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. Past performance is not a reliable predictor of future performance. You should only invest in products you are familiar with and where you understand the risks. You should carefully consider your investment experience, financial situation, investment objectives and risk tolerance and consult an independent financial adviser prior to making any investment. This material should not be construed as financial advice. For more information, see our Terms of Use and Risk Warning.This material is not intended to be relied upon as a forecast or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities, cryptocurrencies or to adopt any investment strategy. The use of terminology and the views expressed are intended to promote understanding and the responsible development of the sector and should not be interpreted as definitive legal views or those of Binance. The opinions expressed are as of the date shown above and are the opinions of the writer, they may change as subsequent conditions vary. The information and opinions contained in this material are derived from proprietary and non-proprietary sources deemed by Binance Research to be reliable, are not necessarily all-inclusive and are not guaranteed as to accuracy. As such, no warranty of accuracy or reliability is given and no responsibility arising in any other way for errors and omissions (including responsibility to any person by reason of negligence) is accepted by Binance. This material may contain ’forward looking’ information that is not purely historical in nature. Such information may include, among other things, projections and forecasts. There is no guarantee that any forecasts made will come to pass. Reliance upon information in this material is at the sole discretion of the reader. This material is intended for information purposes only and does not constitute investment advice or an offer or solicitation to purchase or sell in any securities, cryptocurrencies or any investment strategy nor shall any securities or cryptocurrency be offered or sold to any person in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the laws of such jurisdiction. Investment involves risks.Nest Trading Limited acts as your introducing broker and routes your orders for Securities to its clearing broker partner, Alpaca Securities LLC, for execution, clearing, settlement and custody. Binance does not handle or custody your Securities. Securities are subject to high market and liquidity risk and price volatility (particularly outside traditional market hours). The value of your investment may go down or up and you may not get back the amount invested. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. Past performance is not a reliable predictor of future performance. Before trading, you should make an independent assessment of the appropriateness of the transaction in light of your own objectives and circumstances, including the risks and potential benefits. Consult your own advisers, where appropriate. This information should not be construed as financial or investment advice. Binance may receive payment for order flow remuneration for directing your orders. To learn more about how to protect yourself, visit our Responsible Trading page. For more information, see our Terms of Use, Securities Trading Product Terms and Risk Warning.bStocks tokenized securities are classified as Certificates representing certain Financial Instruments (paragraph 92, Schedule 1 to FSMR). bStocks are not stocks or shares and bStocks do not allow holders to directly own a share or stock in the underlying listed company. bStocks do not represent any affiliation with the underlying asset's issuer. bStocks are offered through an Approved Prospectus in the ADGM and are not offered in any other jurisdiction. No public offer is made outside of the ADGM. Tokenized securities are available only to eligible users in permitted jurisdictions on a secondary market basis only. It is your sole responsibility to ensure that accessing and trading tokenized securities is lawful in your jurisdiction before proceeding. Accessing this product from a jurisdiction in which it is prohibited or restricted does not create any liability or obligation on the part of Binance. We may restrict, suspend, reject, cancel, or unwind access or transactions if we determine, in our sole discretion, that your access or transaction may breach applicable law, product restrictions, eligibility criteria, sanctions requirements, or the relevant offering documents. Tokenized securities may be held and transferred on-chain outside the CSD environment. The transfer of tokenized securities back into the CSD environment is subject to conditions and you may be unable to trade, redeem or otherwise deal with the tokenized securities within the CSD environment if such conditions are not fulfilled.No information displayed in connection with tokenized securities is intended as an offer, solicitation, promotion, recommendation, or invitation to buy or sell securities in any jurisdiction. tokenized securities are not offered, sold, distributed, made available, or accessible in the United States or to, or for the account or benefit of, U.S. persons. The tokenized securities have not been and will not be registered under the U.S. Securities Act of 1933 or any U.S. state securities laws and a public offering of bStocks will not be conducted in the United States or any other jurisdiction (other than the ADGM). By accessing this product, you represent and warrant that you are not a U.S. person, are not located in the United States, are not acting for the account or benefit of any U.S. person, and will not access, purchase, sell, transfer, redeem, or otherwise transact in tokenized securities from within the United States. For more information, see the Terms of Use, Exchange Rules, Exchange Procedures, relevant Prospectus (if applicable to you and understanding that the offer is only made in ADGM, no public offer is being made elsewhere and viewing the prospectus does not constitute an invitation or solicitation outside ADGM), bStocks Minting and Redemption Product Terms, Admission to Trading Notice and Risk Warning.

Main TakeawaysAI agents can navigate, trade, and automate on-chain, but until now they couldn't pay for services without surrendering custody or pausing for manual approval.Binance Agentic Wallet closes that gap with support for the x402 protocol, giving agents a standards-based, non-custodial way to pay for on-chain services, from data feeds to premium compute.Now live in Phase 1 across BNB Chain, Base, and Solana, the x402 payment skill lets your agent pay on your behalf while your keys stay yours.AI agents can do almost anything on-chain, except pay for it themselves. Today, custody either gets handed to a third party, or the agent waits for the user to approve every transaction – neither of which works at scale, especially for users who expect their keys to stay theirs. Binance Agentic Wallet now closes that gap: supporting the x402 payment protocol, agents get a standards-based way to pay for on-chain services, from data feeds to premium compute, without prepaid subscriptions, manual key management, or handing over custody.What Is x402 and How Does x402 Work?x402 is an HTTP-native, on-chain payment protocol. Unlike traditional payments, it enables wallet-based, pay-per-use transactions with no account registration, card checkout, or pre-funded balances.The x402 flow goes like this:The AI Agent (buyer) requests a paid resource, and the seller responds with an HTTP 402 status and its payment requirements.The Agent signs an off-chain authorization, then retries the request with proof of payment.The facilitator verifies that the payment meets the seller's requirements, submits it to the blockchain, monitors for confirmation, and returns the settlement result to the seller. Critically, it never holds funds or acts as a custodian.This means funds flow directly from buyer to seller – no intermediary custody, no pre-funding, and no friction.What Binance Agentic Wallet Integration with x402 UnlocksStart Building With x402 Payment SkillThe x402 payment skill is available now via Binance Wallet Skills. After installation, your agent can directly handle x402 payment requests using Binance Agentic Wallet – no custom payment code required. With the x402 payment skill installed, users can simply ask their Agent to handle x402 payment requests through Binance Agentic Wallet. The skill manages the entire flow, from 402 parsing and user confirmation to signing, replay, and result handling.As a practical example, let’s say you ask your agent to fetch a paid market data feed. It finds the service, shows you the price, and handles the rest – signing, payment, and delivery – all while your keys stay yours.Relying on this automation,you can possibly build:Payment-enabled DeFi agents that pay for premium data feedsAutonomous data-purchasing workflowsMulti-step on-chain automations with pay-per-use servicesAgent-driven marketplace interactionsPhase 1: What's Available NowPhase 1 of the x402 payment skill is now live on Binance Agentic Wallet, enabling the full x402 payment flow for buyers. Every payment follows a direct, non-custodial fund flow, moving straight from buyer to seller. The facilitator never holds funds; it only verifies signatures and executes settlement. Where supported, gas handling may be abstracted by the facilitator or settlement infrastructure.The skill also leverages the existing Agentic Wallet risk controls that protect users, applying sanctions screening, transaction monitoring, and built-in transaction limits, so agent payments stay safe and compliant. The x402 facilitators operate as technical service providers (TSPs), kept separate from Binance Pay flows.Supported networks include:BNB Chain – via the B402 facilitatorBase – via third-party facilitatorsSolana – via third-party facilitatorsGet started with Binance Agentic Wallet.Final ThoughtsThe agent economy has advanced quickly, but it's only as capable as the infrastructure beneath it. Payments were the missing piece, the one thing agents couldn't do without giving up custody or waiting on human approval. By bringing the x402 protocol to Binance Agentic Wallet, we've closed that gap in a way that keeps users in control: agents that can transact freely, while keys stay firmly in the hands of their owners.This is only Phase 1. As we hand more of our on-chain tasks to autonomous agents, Binance remains committed to building the infrastructure that lets them act on our behalf safely, openly, and at scale, keeping pace with everything we're ready to delegate next.Further ReadingBinance Wallet Introduces Agentic Wallet, a Dedicated Keyless Wallet for AI AgentsFrequently Asked Questions on Binance Agentic WalletIntroducing Binance x402 – HTTP-Native Programmable Payments on BNB Chain

Main TakeawaysA honeypot token can let you buy, then block you from selling and leaving you stuck, with tokens you cannot move.Watch for red flags, like “only buys,” unverified contracts, and token-owner controls that can change rules after launch.Binance Wallet helps surface token red flags and high-risk warnings based on available data, but your own research is still mandatory before buying any token.Imagine buying a token that's soaring on the chart, watching your profit climb, and then discovering you can't sell it. No matter how many times you try, the transaction fails. This is the honeypot scam, one of the first traps new DEX traders are likely to encounter. In this blog, we'll break down what a honeypot scam is, how it works, the red flags to watch for, and introduce the wallet that can help you avoid it.What Is a Honeypot Scam?A honeypot is a malicious token engineered to trap buyers. Getting in is easy but getting out is always either impossible or at a loss. When it's time to sell, your transaction fails again and again, or the amount you receive comes back far lower than expected.How Do Honeypot Scams Work?While the mechanics vary, they all lead to the same trap. Scammers commonly use these techniques, alone or combined, to create a honeypot scam:Sell blocking: The contract logic causes sells to revert or fail. Buys go through fine, but the sell can never complete.Sell limits: The token permits only very small sells, or selling at specific times, creating a false sense of safety while preventing holders from exiting any meaningful size.Whitelist and blacklist controls: The contract allows selling only for approved addresses (whitelist), blocks specific addresses from selling (blacklist), or combines the two.Tax traps: The sale itself succeeds, but fees are set prohibitively high (95%+), leaving you with almost nothing even when you can sell. For example, if you sell $1,000 worth of such a token, you may receive only $20-50 back.Hidden switches: The token behaves normally until the owner flips a setting, at which point selling becomes restricted. Tokens with strong owner permissions carry higher risk when there's no credible project behind them.Token draining: Some contracts include logic that silently moves tokens out of your wallet after purchase, for example, through malicious transfer behavior written into the code.However it's built, the underlying pattern is always the same: you can enter the trade, but you cannot exit it on fair terms.Why Do Honeypots Scams Work?Honeypots succeed by weaponizing urgency and the fear of missing out. When most holders can't sell, there's little sell pressure, so the market looks healthy and the price climbs smoothly – exactly the setup that draws buyers in. The illusion does much of the work, but scammers also exploit basic human psychology to close the trap.Eager not to miss the next big move, new users act fast and skip the checks that would reveal the danger. Instead of reviewing signals like trade history, contract verification, or owner controls, they trade on a rising chart, a viral post, or group hype. And as more buyers pile in, their capital deepens the very liquidity pool the scammer is waiting to drain.Red Flags to Check Before You Buy Any TokenBefore buying any token, slow down, do your due diligence, and check for the red flags below:Abnormal price charts: Constant buys with few or no sells. Healthy markets show a mix of both.Suspicious wallet patterns: A handful of addresses dominate volume, or many wallets trade in similar sizes and timing.Manufactured urgency: Countdown timers, "buy now" pressure, and "limited time" deals, in groups or on social media, are classic scam signals.Owner control risk: Ownership isn't renounced, meaning the owner can change fees, pause trading, or restrict addresses. Not always a scam, but a strong reason to verify the project and team.Unverified contracts: The contract source isn't verified, meaning hidden code controls whether you can sell. Treat it as a major risk.Real-Life Example: A “Hidden Switch” That Blocks SellsOne common honeypot method uses an owner-controlled "switch" that can block sells after buyers have already entered. In this example, scammers urged people in a Telegram group to buy a token, claiming it was “going viral” and that early buyers would make large profits. Victims, driven by fear of missing out, saw warnings but still went ahead, which resulted in the loss of their funds.To understand the trick, it helps to know what normally happens on a DEX:You Buy: Your funds go into the liquidity pool, and tokens come back to your wallet.You Sell: Your tokens go back into the liquidity pool, and funds come into your wallet.This hidden-switch honeypot broke the sell flow step. Here's how:Figure 1: A hidden-switch sell-blocking flowchartThe scammers deployed the token, added liquidity, and promoted it in multiple groups to get victims to buy in quickly.They kept ownership of the contract allowing them control over all functions. The contract also had a setting that would store addresses as a list, which the token code would check, before allowing a sell. This was initially left empty.After enough funds built up in the liquidity pool, the scammer silently added the liquidity-pool address to this list. So now, before any transaction, the address in the list is first checked. As a result, any transaction with the liquidity pool as the destination, representing the attempts to sell, fails.Victims ended up holding tokens they could not sell, while new buyers continued to enter, as buys still worked.The scammer later withdrew the profit and disappeared.Staying Safer with Binance WalletBinance Wallet screens tokens using available data and can surface cautions or high-risk warnings that prompt you to pause and reassess before swapping. These alerts may appear in several places, including the audit page, swap page, token page or even as a popup. Even so, the decision to proceed is always yours.Warnings aren't guaranteed, and no screening system can catch every new scam variant in real time. Treat them as a risk signal, not a verdict, and validate what you're seeing with your own checks: trade history, contract verification status, ownership controls, and project credibility. Whenever a token shows a caution or high-risk warning, treat it as a reason to stop and investigate before you proceed.Final ThoughtsHoneypot scams thrive on urgency and chart-driven decisions, pressuring you to buy before you think to check. The best protection is to slow down, understand how honeypots work, watch for the basic red flags, and let Binance Wallet's built-in warnings act as your checkpoint before every swap.But remember, no tool can make the final call for you. You are the last line of defense. Trade with Binance Wallet to put real-time risk screening on your side, then use your own judgment to stay one step ahead of the scammers.Further ReadingWeb3 Wallet Security – Stay SAFU with Binance MPC WalletAI Versus AI – How Binance Is Defending Users in the Age of Intelligent FraudBinance Wallet Security Center

Main TakeawaysContent creator and trader ThreadGuy believes that crypto traders’ skills in reading momentum, narratives, and attention become increasingly useful as traditional markets start behaving more like crypto.As access to different asset classes expands, he sees the line between crypto and traditional finance gradually blurring.For crypto users exploring traditional markets, his advice is to consume information widely, learn how new assets move, and resist limiting yourself to the market where you started.Crypto and traditional markets have long been treated as separate worlds. But as more asset classes become accessible, crypto-native investors are beginning to look beyond digital assets – and finding that the two worlds may not be as far apart as they once were.As Binance expands access to traditional markets through Direct Stocks, bStocks, and Pre-IPO Perpetuals, more eligible crypto users are beginning to explore opportunities beyond digital assets. That raises a natural question: what does the transition actually look like for someone who learned markets through crypto?We spoke with ThreadGuy, a prominent crypto-native trader and content creator with a community of more than 400,000 followers across channels, who has increasingly turned his attention to stocks, commodities, and other traditional markets. We asked him what changes when you move beyond crypto, which skills carry over, and why he believes crypto traders may be particularly well equipped for the way today’s markets are evolving.“I Learned Markets Backwards”The first money ThreadGuy made online came from flipping Supreme T-shirts and sneakers in high school. Sports cards came next, then NFTs, then Bitcoin, altcoins, and memecoins – four or five years spent almost entirely in crypto.“I feel like I learned markets backwards,” he said. “I learned how to trade in niche alternative markets first.”None of that experience involved earnings reports or valuation models. What it taught him was how to read attention and community, and how powerfully those forces can move markets.That’s how he approaches stocks today. He’s not trying to out-model people who’ve spent careers building valuation frameworks – he’s using what he already knows how to do.“The one thing I understand very well – and a lot of crypto people understand very well – is memetics, narrative, attention, and flows.”He doesn’t think that makes fundamentals irrelevant. But he does believe established frameworks are being tested by the way markets move today.“I think we're entering a regime where these things obviously matter and apply, but they're being broken in real time,” he said.Are Traditional Markets Starting to Trade More Like Crypto?For years, crypto traders imagined a future in which digital assets would rival traditional markets in scale, liquidity, and mainstream participation. ThreadGuy sees a certain irony in where markets have ended up.“People always imagine that one day crypto would trade like traditional markets,” he said. “But what’s really happened is traditional markets trade like crypto.”He sees this across stocks and commodities, from AI-linked companies to metals and oil. An asset can suddenly capture the market’s attention and build momentum quickly – a pattern he knows well from crypto.“Silver is trading like a meme coin,” he said, pointing to the intense attention around metals earlier this year. More recently, he saw the same pattern in oil, as geopolitical tensions drew in traders from across markets – including ThreadGuy himself, who had never traded it before.“The crypto guys are trading it, the stock guys are trading it. I've never traded oil in my life, and I'm trading it,” he said.ThreadGuy links this shift to changes in how people access information and markets. The same headline can reach millions of people instantly, while wider access to different asset classes means more of them can act on it. Attention and money can move into a single asset faster than before.For crypto traders, that can feel familiar. They have spent years navigating fast-moving narratives, sudden shifts in momentum, and markets where attention itself can move prices.“When you’re not familiar with these sort of Wild West markets, you kind of freeze and lock up in the moment,” he said. Crypto traders, by contrast, have spent years building that muscle.A Familiar Muscle in an Unfamiliar MarketIn practice, ThreadGuy looks for what he calls “special situations” – moments when an announcement, policy shift, or geopolitical event suddenly redirects the market’s attention.“I do like waiting for the announcements that lead to these cascading price moves,” he said. His approach is to look for opportunities around a clear catalyst and step back when its impact begins to fade.That mindset has taken him across AI and semiconductors, commodities, and event-driven opportunities. He has also been exploring what he calls the “IRL trade” – a thesis around renewed interest in real-world entertainment and events.It is a much wider field than the one he was watching a year ago. After spending years almost entirely in crypto, ThreadGuy now just follows volatility wherever it appears – whether in stocks, commodities, or crypto.The Line Between Crypto and TradFi Is BlurringThreadGuy sees the same shift happening at the platform level. Crypto platforms are expanding into traditional assets, while traditional brokers are adding crypto and other services.“Every crypto company offers stocks. Every broker offers crypto,” he said. “Both of them are trying to be a bank.”In his view, the old boundaries between different types of financial platforms are becoming less rigid. The same platform might offer access to stocks, crypto, payments, savings, and other financial services – making it less necessary for users to stay within a single market or category.For Binance users, that shift is already taking shape. With Direct Stocks, bStocks, and Pre-IPO Perpetuals opening new ways for eligible users to access traditional-market opportunities, exploring beyond crypto no longer necessarily means leaving the ecosystem behind.Important differences remain between asset classes, from market structure and trading hours to liquidity, regulation, and risk. But for ThreadGuy, there is less reason than before to limit yourself to a single category.ThreadGuy’s Advice for Exploring New MarketsFor ThreadGuy, the first step is being willing to look beyond the market you know best. That was something he had to learn himself.“I was very reluctant to pay attention to other opportunities across other markets because I have this sense of attachment to the crypto industry,” he said.His advice to other crypto traders is not to let that attachment become a limit.“Your skills are useful in other markets,” he said. “You don’t have a responsibility to only make money in the place where you started.”But entering a new market still means putting in the time to learn. When ThreadGuy began exploring traditional markets, he had plenty to catch up on – from the AI trade to semiconductors, photonics, and other unfamiliar areas.“The thing that has helped me the most as I've tried to pay attention to other markets is mass digestion of information – as much as I could possibly take in,” he said.He suggests watching experienced traders and market commentators to understand what they are watching, why particular themes matter, and how different markets react to new information.For crypto traders, that process may already be familiar. Entering crypto also means learning new terminology, following fast-moving information, and gradually building intuition around how markets behave.“It's a time and digestion problem, and it's solvable by putting in the hours,” ThreadGuy said.His final advice is to the point: “Be a sponge.”Looking Beyond CryptoThreadGuy’s journey reflects a shift that more crypto-native users can now explore for themselves. Through products such as Direct Stocks, bStocks, and Pre-IPO Perpetuals, eligible Binance users can explore a wider range of market opportunities alongside crypto.Each market comes with its own mechanics and risks, and entering a new asset class still means putting in the time to learn. But as ThreadGuy’s experience shows, crypto users may not be starting from zero. The skills built through years of navigating fast-moving markets, tracking narratives, and reading momentum can offer a useful foundation for exploring something new.Want to hear the full conversation? Watch our complete interview with ThreadGuy on Binance Square, where he shares more on his move from crypto into traditional markets, how he evaluates opportunities across asset classes, and what he is watching next.Watch the full interview on Binance SquareFurther ReadingAccessing Stocks With Crypto: Three bStocks User StoriesIntroducing bStocks – Trade and Hold Tokenized 1:1 U.S. Stocks on BinanceWhy Tokenized Securities? A Look at bStocks vs. Traditional StocksDisclaimer: Content may include third party comments and opinions. Please note that: (a) all content is presented on an "as is" basis for general information purposes only, without representation or warranty of any kind; (b) such comments and opinions belong to these third parties, and do not purport to reflect the views, comments or opinions of Binance; and (c) correspondingly, their comments and opinions as expressed on our platform is not intended to be and shall not be construed as an endorsement by Binance. We shall not be liable or responsible for any errors or omissions, or for the results obtained from your use of such information. The content above shall not be construed as financial advice.Nest Trading Limited acts as your introducing broker and routes your orders for Securities to its clearing broker partner, Alpaca Securities LLC, for execution, clearing, settlement and custody. Binance does not handle or custody your Securities. Securities are subject to high market and liquidity risk and price volatility (particularly outside traditional market hours). The value of your investment may go down or up and you may not get back the amount invested. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. Past performance is not a reliable predictor of future performance. Before trading, you should make an independent assessment of the appropriateness of the transaction in light of your own objectives and circumstances, including the risks and potential benefits. Consult your own advisers, where appropriate. This information should not be construed as financial or investment advice. Binance may receive payment for order flow remuneration for directing your orders. To learn more about how to protect yourself, visit our Responsible Trading page. For more information, see our Terms of Use, Securities Trading Product Terms and Risk Warning.Digital asset prices can be volatile. The value of your investment may go down or up and you may not get back the amount invested. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. TradFi Perps are subject to high market risk and price volatility (particularly outside traditional market hours). You may be called upon at short notice to make additional margin deposits or interest payments. If the required margin deposits or interest payments are not made within the prescribed time, your collateral may be liquidated. Moreover, you will remain liable for any resulting deficit in your account and interest charged on your account. All of your margin balance may be liquidated in the event of adverse price movement. Past performance is not a reliable predictor of future performance. TradFi Perps do not represent ownership of the relevant underlying asset. Before trading, you should make an independent assessment of the appropriateness of the transaction in light of your own objectives and circumstances, including the risks and potential benefits. Consult your own advisers, where appropriate. This information should not be construed as financial or investment advice. To learn more about how to protect yourself, visit our Responsible Trading page. For more information, see our Terms of Use, Exchange Rules, Clearing Rules, Exchange Procedures, Clearing Procedures, Contract Specifications and Risk Warning.bStocks tokenized securities are classified as Certificates representing certain Financial Instruments (paragraph 92, Schedule 1 to FSMR). bStocks are not stocks or shares and bStocks do not allow holders to directly own a share or stock in the underlying listed company. bStocks do not represent any affiliation with the underlying asset's issuer. bStocks are offered through an Approved Prospectus in the ADGM and are not offered in any other jurisdiction. No public offer is made outside of the ADGM. Tokenized securities are available only to eligible users in permitted jurisdictions on a secondary market basis only. It is your sole responsibility to ensure that accessing and trading tokenized securities is lawful in your jurisdiction before proceeding. Accessing this product from a jurisdiction in which it is prohibited or restricted does not create any liability or obligation on the part of Binance. We may restrict, suspend, reject, cancel, or unwind access or transactions if we determine, in our sole discretion, that your access or transaction may breach applicable law, product restrictions, eligibility criteria, sanctions requirements, or the relevant offering documents. Tokenized securities may be held and transferred on-chain outside the CSD environment. The transfer of tokenized securities back into the CSD environment is subject to conditions and you may be unable to trade, redeem or otherwise deal with the tokenized securities within the CSD environment if such conditions are not fulfilled.No information displayed in connection with tokenized securities is intended as an offer, solicitation, promotion, recommendation, or invitation to buy or sell securities in any jurisdiction. tokenized securities are not offered, sold, distributed, made available, or accessible in the United States or to, or for the account or benefit of, U.S. persons. The tokenized securities have not been and will not be registered under the U.S. Securities Act of 1933 or any U.S. state securities laws and a public offering of bStocks will not be conducted in the United States or any other jurisdiction (other than the ADGM). By accessing this product, you represent and warrant that you are not a U.S. person, are not located in the United States, are not acting for the account or benefit of any U.S. person, and will not access, purchase, sell, transfer, redeem, or otherwise transact in tokenized securities from within the United States. For more information, see the Terms of Use, Exchange Rules, Exchange Procedures, relevant Prospectus (if applicable to you and understanding that the offer is only made in ADGM, no public offer is being made elsewhere and viewing the prospectus does not constitute an invitation or solicitation outside ADGM), bStocks Minting and Redemption Product Terms, Admission to Trading Notice and Risk Warning.

Main TakeawaysBinance’s licensed operation in Brazil, through Sim;paul, has secured ISO/IEC 27001 and ISO/IEC 27701 certifications for information security and privacy management.The certifications were awarded by the British Standards Institution (BSI) following an independent audit of internal policies, operational controls, and governance systems.This milestone reflects Binance’s global efforts to ensure the highest standards of user protection, privacy, and responsible growth across key markets.Binance Brazil has secured two globally recognized certifications for its privacy and security programs, marking another important step in our commitment to protecting users and strengthening trust in Latin America’s largest economy.The ISO/IEC 27001 and ISO/IEC 27701 certifications were awarded to Sim;paul, Binance’s licensed operation in Brazil, by BSI following an independent audit. The assessment reviewed internal policies, operational controls, and governance systems related to information security and privacy management.These certifications provide external validation that Binance Brazil operates according to rigorous international standards for safeguarding information and personal data, and maintaining strong security governance.Raising the Bar for User Protection in BrazilAs crypto continues to mature, trust in this space is built not only through product innovation, but through consistent investment in security, privacy, compliance, and operational resilience. Certifications such as ISO/IEC 27001 and ISO/IEC 27701 help make those commitments measurable.ISO/IEC 27001 is one of the world’s leading standards for information security management systems. It sets out requirements for identifying, managing, and reducing information security risks through a structured framework of controls and processes.ISO/IEC 27701 extends this framework into privacy management, with specific controls around how organizations handle personal data. Together, the two standards cover a broad range of security and privacy domains, from access controls and risk management to data protection governance.Binance Brazil earning these certifications is a reflection of the continued maturation of our local operations, as well as the focus on giving users a platform they can trust.“These certifications reflect a commitment that runs across Binance globally and here in Brazil,” said Thiago Sarandy, Binance’s Country Manager of Brazil. “They represent external validation that our users in Brazil are protected by rigorous, audited standards of privacy and information security.”Part of a Global Security StrategyThe milestone in Brazil is part of Binance’s broader global security and compliance strategy. Similar certifications have already been secured in other key markets, including France, Japan, Bahrain, the UAE, Turkey, Thailand, and Kazakhstan.Across our global operations, we continue to invest in systems, people, and governance frameworks designed to protect users and support the sustainable growth of the digital asset ecosystem. This includes strong authentication measures, encryption protocols, privacy controls, cyber defense capabilities, and ongoing review of security and operational processes.Jimmy Su, Chief Security Officer of Binance, said the certifications are an important achievement, but also part of a continuous process.“We are proud of what this represents, but we see it as a baseline, not a finish line,” he said. “Our job is to keep earning user trust every day by strengthening the security and privacy governance needed to support the growth of this industry.”The certification process follows a three-year cycle and is conducted by an independent accredited auditor. This means maintaining certification requires continued adherence to the relevant standards over time, not just a one-time assessment.Final ThoughtsBinance Brazil’s ISO/IEC 27001 and ISO/IEC 27701 certifications mark another step in our long-term program of strengthening user protection, privacy, and responsible growth.As the digital-asset ecosystem continues to evolve, earning and maintaining trust will remain one of the industry’s most important priorities, and Binance will continue to invest in audited standards, robust governance, and secure infrastructure that can support the next phase of Web3 adoption in Brazil and beyond.Further ReadingBinance Appoints Thiago Sarandy as General Manager for BrazilBinance Pay Brings Instant Crypto-Powered Payments to Brazil via PixBinance Joins ABcripto Board to Support the Continued Growth of Brazil’s Digital-Asset Market

Main TakeawaysStablecoins have evolved from a crypto trading tool into a foundational settlement layer for global finance, now moving $76B per weekend at a pace rivaling a top global card payment company’s daily volume.Demand is evidently rooted in genuine need, as 87% of fiat currencies trade at a premium to acquire stablecoins, rising to a 62% premium in hyperinflation economies.As stablecoin volumes surge across the industry, activity concentrates on Binance at every layer – from $53B in reserves and $1.2B in distributed yield to a 47% share of the fast-growing $1.1T TradFi-perps market.As digital assets mature, stablecoins are moving from the margins of crypto trading into the core of the global financial system. Once used primarily to park value between trades, they now function as a critical settlement layer across markets, platforms, and geographies.At Binance, the shift is illustrated by data that shows how stablecoins are becoming foundational financial infrastructure, with adoption visible across every major part of the digital-asset ecosystem. A Binance Research report, featuring proprietary data and new insights, explores the driver behind that evolution and what they reveal about the growing role of stablecoins in global markets.Stablecoin Demand Rooted in Real-World NeedFor millions of people, stablecoins offer a reliable way to protect the value of their money. When local money steadily loses value, the priority is to preserve what you have in something stable.Figure 1: The Inflation Gradient – Stablecoin Premiums Rise with Currency RiskStablecoins meet that need directly, and the price users willingly pay proves it. Across Binance's user base, 87% of fiat currencies trade at a premium when used to acquire stablecoins, with users paying an average premium of 62% in hyperinflation economies. This is a sign that for many users, stablecoins have become less of a preference and more of a financial lifeline.Putting Stablecoins to Work – and Into the Real EconomyProtecting value is only half the story. Growing it with stablecoins isn't unique to Binance, but few platforms match our scale. Since 2022, Binance Earn has distributed approximately $1.2B in yield to more than 14 million stablecoin holders – turning a stable asset into a productive one.For holders who put their stablecoins to work, the returns far outpace traditional banking. On an annualized basis, Binance's RWUSD returned 3.36%, and its delta-hedging yield product BFUSD returned 2.09% – both well above the US national savings deposit rate of 0.38%, meaning eligible holders can earn up to 8.8 times of what banks pay.And on Binance, those same stablecoins can be spent as easily as they're saved. On Binance Pay, payment volume grew 114% year-on-year across 21 million registered merchants, with median merchant transactions rising from $10 to $18. This is a clear sign that stablecoins are moving beyond trading into everyday spending, and becoming part of how people live.Moving at the Scale of Traditional Payment NetworksStablecoins have become part of everyday life and a settlement layer that never closes. Industry wide, stablecoin transfers average $76B per weekend – roughly $38B per day, comparable to Visa's average daily volume of $40B and equal to 53% of the $71B weekday pace. The clearest proof comes from where traditional markets can't follow. Traditional-asset perpetuals add some $4B in weekend volume – demand that exists precisely because stablecoin markets stay open when nothing else does. This weekend activity is a window into a much larger shift: TradFi-linked perpetuals crossed $1.1T in aggregate volume in just five months, with Binance leading at approximately 47% market share at $500B.Binance, Where Trust and Reserves ConcentrateBinance is not just a venue where stablecoins are traded today, but one of the key platforms where major stablecoins achieved early scale. Between January 2020 and May 2021, roughly 60 cents of every newly minted USDT landed on Binance, and at its peak, more than half of all USDT in circulation sat on Binance. USDC also saw meaningful Binance concentration during its growth phases.Binance has historically played an important role in stablecoin adoption by providing liquidity, distribution, and real market utility.Funds in custody are the truest measure of trust, representing the value users choose to leave in one place. Stablecoin that users hold on Binance total approximately $53B, more than the next exchange by $42B, with market share rising from 54% to 57% since early 2025. When users decide where their value is safest to rest, they increasingly choose Binance.Speaking of rails, the decentralized BNB Chain now processes approximately 10 million stablecoin transactions per day across 15 million monthly active addresses – the largest of any network – accounting for an estimated 24% of all stablecoin activity by transaction count.Final ThoughtsToday, stablecoins move at the scale of the world's largest payment networks, are demanded across the vast majority of the world's currencies, settle 24/7 on-chain, and increasingly underpin traditional finance itself.Whether in the network, the reserves, the yield, the payments, or the bridge to traditional markets, activity continues to concentrate on Binance and BNB Chain. As stablecoins settle into their role as the backbone of global finance, Binance remains committed to building the infrastructure this role demands, and ultimately, the financial super app for all.Further ReadingCut the Costs, Open the Gates – Here’s How Binance Lowers the Friction on InvestingbStocks Hit $100 Million AUM Two Weeks After LaunchFrom Countdown to Liftoff: SPCX’s Full-Cycle Journey on Binance

Main TakeawaysbStocks allow eligible Binance users to convert supported U.S. stock positions into tokenized securities that trade 24/7 and can be withdrawn to compatible BNB Smart Chain wallets.Binance Research data shows that 44% of bStocks trading volume takes place outside regular U.S. market hours, highlighting demand for 24/7 access to tokenized equities.Three Binance users share how bStocks fit into their investing journey, whether taking a first step into gaining exposure on U.S. stocks or connecting existing equity portfolios with crypto.For many crypto users, investing in U.S. stocks has traditionally meant leaving the crypto ecosystem behind. Stocks lived on separate brokerage platforms, with different accounts, funding methods, and trading hours.Binance began closing that gap this year with direct stocks, giving eligible users access to more than 7,000 U.S. stocks and ETFs alongside their crypto holdings. It later expanded that offering with bStocks, allowing supported stock positions to be converted into tokenized securities that trade 24/7 on Binance Spot and can be withdrawn to compatible BNB Smart Chain wallets.For some users, that means exploring U.S. equities without opening a separate brokerage account. For others, it's about managing stocks and crypto side by side in the same app.We spoke with three Binance users about how bStocks fits into their investing journey – from first stock purchases to new ways of using crypto capital.Backing the Companies He AdmiresLong before Binance launched bStocks, AB was already investing in companies whose stories inspired him. An avid fan of technology, he followed Tesla, Starlink, and SpaceX for years.“Although I couldn't afford an imported Tesla, I bought Tesla stock to support a company I believed in,” he recalls.AB prefers building long-term positions rather than chasing short-term price moves. Binance's stocks, and later bStocks, made it easier to manage those investments alongside his crypto portfolio.“I can now see my entire investment portfolio in one app instead of constantly switching between different platforms,” he says.One of his first bStocks purchases was SPCXB, giving him tokenized exposure to SpaceX after he and his wife tried Starlink themselves.“I like investing in companies with stories that inspire me,” he says. “It helps me imagine where they could be years from now.”The Crypto Native Who Finally Tried StocksJason entered crypto in 2020, when NFTs, DeFi and DAOs were pulling in a wave of new users. Over time, it became his full-time professional focus. Stocks, though, were a different story.“It's not that I wasn't interested,” he says. “I just never wanted to deal with opening another brokerage account or learning a completely different platform.”Even as U.S. stocks grew popular among crypto users, he kept putting it off. “Every time I thought about trying stocks, I'd end up doing nothing because I was too lazy.”That changed when Binance launched direct stocks and bStocks. “At least the account-opening problem was solved,” he says. “So I thought, why not give it a try?”He started with NVIDIA, then added Intel and Micron – companies he already knew from years of following tech and crypto.“It's like a frog finally jumping out of a well,” he says. “Instead of exploring the wider world, it keeps looking at the same patch of sky.”Many crypto investors, he believes, naturally gravitate toward companies they already understand. Learning to invest in equities means learning to look past familiar names.“When we entered crypto, people always said you couldn't discover treasures in a new world using the old world's map,” he says. “The same is true when moving from crypto into stocks.”For Jason, direct stocks and bStocks make that shift possible – a new market, without leaving the platform he already knows.Putting Crypto Capital to WorkGuunercat had already been investing in U.S. stocks for several years before trying bStocks.He regularly traded U.S. equities through traditional brokerage platforms, but still had to manage his stock investments separately from his crypto holdings.“I wanted a simpler way to use my existing crypto capital to invest in U.S. companies,” he says.He had been looking for exposure to SpaceX, and when SPCXB became available, he decided to give bStocks a try. It became his first bStocks purchase.“The ability to invest in tokenized equities directly with USDT was what convinced me,” he says. “It bridged the gap between my crypto capital and my traditional investment goals.”Overall, he describes the experience as smooth and plans to continue using bStocks as more companies become available.Why 24/7 Trading MattersOne of the biggest differences between bStocks and traditional equity markets is that trading doesn't stop when the closing bell rings.According to Binance Research, around 44% of all bStocks trading volume takes place outside regular U.S. market hours, highlighting strong demand for around-the-clock access. While traditional exchanges close overnight and on weekends, users continue trading tokenized securities on Binance.Continuous trading also changes price discovery. Across three observed weekends, bStocks anticipated 87% of the eventual Monday opening moves and predicted the direction of the market with 96% accuracy, showing that prices continue to adjust even while traditional markets are closed.That flexibility can become especially valuable when major news breaks outside market hours. Binance Research found that holders of tokenized SpaceX shares were able to react to the company's acquisition of Cursor before U.S. markets opened, while tokenized Micron shares repriced within minutes of the company's earnings release after the closing bell. In both cases, bStocks reflected new information long before traditional markets reopened.For investors, that means opportunities are no longer limited to regular trading hours. Whether responding to breaking news, managing risk, or adjusting positions over the weekend, bStocks allow eligible users to trade when traditional markets cannot.Getting Started With bStocksReady to explore bStocks? Eligible users can access more than 7,000 U.S. stocks and ETFs through Binance's direct stocks platform, then convert supported positions into bStocks at a 1:1 ratio with zero conversion fees.Getting started only takes a few steps:Buy bStocks directly: Open the Binance app and go to [Trade] → [Spot] → [bStocks].Tokenize eligible stock positions: Open your Wallet and tap [Tokenize your Stocks] to convert supported holdings into bStocks.Manage your positions: Hold your bStocks on Binance, trade them 24/7 on Spot, or withdraw them to a compatible BNB Smart Chain wallet for self-custody.Whether you're investing in U.S. stocks for the first time or looking to bring your portfolio on-chain, bStocks offer another way to access traditional markets alongside your crypto holdings.Explore bStocks TodayFurther ReadingbStocks Tokenization: Free, Instant, and Works Both WaysWhy Tokenized Securities? A Look at bStocks vs. Traditional StocksIntroducing bStocks – Trade and Hold Tokenized 1:1 U.S. Stocks on BinanceDisclaimer: Content may include third party comments and opinions. Please note that: (a) all content is presented on an "as is" basis for general information purposes only, without representation or warranty of any kind; (b) such comments and opinions belong to these third parties, and do not purport to reflect the views, comments or opinions of Binance; and (c) correspondingly, their comments and opinions as expressed on our platform is not intended to be and shall not be construed as an endorsement by Binance. We shall not be liable or responsible for any errors or omissions, or for the results obtained from your use of such information. The content above shall not be construed as financial advice.Nest Trading Limited acts as your introducing broker and routes your orders for Securities to its clearing broker partner, Alpaca Securities LLC, for execution, clearing, settlement and custody. Binance does not handle or custody your Securities. Securities are subject to high market and liquidity risk and price volatility (particularly outside traditional market hours). The value of your investment may go down or up and you may not get back the amount invested. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. Past performance is not a reliable predictor of future performance. Before trading, you should make an independent assessment of the appropriateness of the transaction in light of your own objectives and circumstances, including the risks and potential benefits. Consult your own advisers, where appropriate. This information should not be construed as financial or investment advice. Binance may receive payment for order flow remuneration for directing your orders. To learn more about how to protect yourself, visit our Responsible Trading page. For more information, see our Terms of Use, Securities Trading Product Terms and Risk Warning.bStocks tokenized securities are classified as Certificates representing certain Financial Instruments (paragraph 92, Schedule 1 to FSMR). bStocks are not stocks or shares and bStocks do not allow holders to directly own a share or stock in the underlying listed company. bStocks do not represent any affiliation with the underlying asset's issuer. bStocks are offered through an Approved Prospectus in the ADGM and are not offered in any other jurisdiction. No public offer is made outside of the ADGM. Tokenized securities are available only to eligible users in permitted jurisdictions on a secondary market basis only. It is your sole responsibility to ensure that accessing and trading tokenized securities is lawful in your jurisdiction before proceeding. Accessing this product from a jurisdiction in which it is prohibited or restricted does not create any liability or obligation on the part of Binance. We may restrict, suspend, reject, cancel, or unwind access or transactions if we determine, in our sole discretion, that your access or transaction may breach applicable law, product restrictions, eligibility criteria, sanctions requirements, or the relevant offering documents. Tokenized securities may be held and transferred on-chain outside the CSD environment. The transfer of tokenized securities back into the CSD environment is subject to conditions and you may be unable to trade, redeem or otherwise deal with the tokenized securities within the CSD environment if such conditions are not fulfilled.No information displayed in connection with tokenized securities is intended as an offer, solicitation, promotion, recommendation, or invitation to buy or sell securities in any jurisdiction. tokenized securities are not offered, sold, distributed, made available, or accessible in the United States or to, or for the account or benefit of, U.S. persons. The tokenized securities have not been and will not be registered under the U.S. Securities Act of 1933 or any U.S. state securities laws and a public offering of bStocks will not be conducted in the United States or any other jurisdiction (other than the ADGM). By accessing this product, you represent and warrant that you are not a U.S. person, are not located in the United States, are not acting for the account or benefit of any U.S. person, and will not access, purchase, sell, transfer, redeem, or otherwise transact in tokenized securities from within the United States. For more information, see the Terms of Use, Exchange Rules, Exchange Procedures, relevant Prospectus (if applicable to you and understanding that the offer is only made in ADGM, no public offer is being made elsewhere and viewing the prospectus does not constitute an invitation or solicitation outside ADGM), bStocks Minting and Redemption Product Terms, Admission to Trading Notice and Risk Warning.

Main TakeawaysBinance is celebrating its ninth anniversary on July 14, 2026, with a month-long “Built by You” campaign dedicated to the community that helped shape the platform.Users can complete tasks across 9 virtual Binance city landmarks in the app to earn rewards and unlock a final Bonus Rewards Drop from a pool of over $4.5M.The celebration extends beyond the app with global in-person meetups, games, giveaways, and community events throughout July.On July 14, 2026, Binance will turn nine. In typical Binance fashion, we’ve lined up a series of activities, in-person meetups, and special happenings to make sure our community can celebrate in style. Throughout July, you’ll be able to participate in events, engage with different Binance products, and earn your share of over $4.5M worth of rewards. But first, let’s take a moment to reflect on the past nine years and what we’re celebrating.Nine Years in the Making, Built by YouFor this year’s celebration, we’re not only celebrating how far the platform has come, but the people who made that growth possible. To everyone who has traded, earned, learned, paid, referred a friend, or simply believed – thank you. Binance’s success was Built by You. How to Earn Your Share of $4.5M Worth of RewardsWe’ve turned Binance's 9-year journey into 9 city landmarks, each one representing a part of the platform you use daily, from making your first deposit to trading crypto on Binance Spot. Your job is to complete one task at each landmark to light it up. Earn rewards from each landmark you light up. Light up all 9 landmarks to unlock the final reward.Step 1: Claim Your 9YA BonusVisit the campaign page to claim your 9YA Bonus — a personalized reward based on your BInance activity — and officially become a Builder. This is your entry into the campaign.Step 2: Complete Landmark TasksThe campaign page shows 9 Binance landmarks, each with its own task. Complete a landmark's task to light it up and earn its reward.Each landmark you light up adds a new chapter to your AI Builder Poster*, a personalized snapshot of your Binance journey. Start with any landmark and build at your own pace.*Sharing the Poster is optional and does not affect your eligibility or rewards. AI-generated content may contain errors or inaccuracies and should not be relied on as financial or investment advice. Products referred to may not be available in your jurisdiction. Step 3: Light Up All 9 to Unlock the Final DropComplete all 9 landmark tasks to unlock your final AI Builder Poster and your Bonus Rewards Drop. For more details, refer to our full announcement post.Come and Celebrate Nine Years of BuildingNine years ago, Binance started with a belief that the future of finance should be open, accessible, and shaped by the people who use it. We’re immensely grateful to have such a passionate community that has helped us build Binance to what it is today.We hope to see you in person at our global meetups! Don’t forget to grab your 9YA Bonus and start lighting up the city landmarks on the Binance app.Explore MoreFurther ReadingOne Account, Every Market: How Binance is Building a Multi-Asset Super AppHow Binance Serves Your Full Financial Journey: One Super App Instead of a DozenRichard Teng on Raj Shamani’s Figuring Out: The Future of Money, Wallets, and Financial Super AppsDisclaimer: Digital asset prices are subject to high market risk and price volatility. The value of your investment may go down or up, and you may not get back the amount invested. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. Past performance is not a reliable predictor of future performance. You should only invest in products you are familiar with and where you understand the risks. You should carefully consider your investment experience, financial situation, investment objectives and risk tolerance and consult an independent financial adviser prior to making any investment. This material should not be construed as financial advice. For more information, see our Terms of Use and Risk Warning.

Main TakeawaysFollowing the devastating floods that struck Accra, Binance Charity is standing with affected users and communities.Binance Charity is donating $35,000 in 15 USDT token vouchers to users in the hardest-hit regions, based on Proof of Address.Users have until July 20, 2026 (23:59 UTC+0) to complete their Proof of Address and qualify for the donation, with funds distributed within 30 days of POA completion.Following the devastating floods that struck Accra in June, Binance Charity is donating a total of $35,000 in 15 USDT token vouchers to help Binance users living in the areas affected by the tragedy.Users identified through Proof Of Address (POA) in the most affected areas — N1 Highway; Kasoa; Kwame Nkrumah Circle; Alajo; Tse Addo; Kaneshie; Adabraka; Tesano; Mallam; Weija; Achimota; Madina; Spintex; Darkuman — will each receive 15 USDT in token vouchers, redeemable via their Rewards Hub.We recognise that many users in the affected region may not yet have completed their POA. Therefore, existing users who do so between July 6, 2026 and July 20, 2026 (23:59 UTC+0) will also receive 15 USDT, subject to the total donation allocation. Any POA submissions after July 20, 2026 (23:59 UTC+0) will not be eligible for the airdrop.Users will receive funds in a maximum of 30 days from the day of their POA completion.About Binance CharityBinance Charity has previously supported communities affected by disaster across Argentina, Brazil, DRC, Italy, Libya, Mexico, Morocco, Taiwan, Turkey, Uganda, Ukraine, and VenezuelaAs recovery efforts continue in Ghana, we remain committed to standing with our users and will continue to work on additional ways to help our community. For more information, please visit our FAQ page.Further ReadingBinance Charity to Donate $3 Million to Support Users Affected by the Venezuela EarthquakesBinance Commits $250,000 to Support Frontline Ebola Disease ResponseHow Binance Charity's Flood Relief Effort in Japan Became a Blueprint

Main TakeawaysRichard Teng joined Raj Shamani’s Figuring Out podcast to discuss how blockchain, crypto, stablecoins, and AI are reshaping financial services.The conversation highlighted Binance’s evolution into a global financial super app, serving more than 320 million users with access to a growing range of digital financial products.Richard emphasized that the future of finance will be built around wallets, 24/7 access, faster settlement, lower-cost transfers, responsible innovation, and user education.Raj Shamani’s Figuring Out has become one of South Asia’s most influential long-form platforms for conversations on business and leadership, delivered in a format that speaks directly to a generation trying to understand how money, careers, and technology are changing.The latest episode brought together one of the region’s most recognizable business storytellers and one of the leading voices in the global crypto ecosystem – Richard Teng, Co-CEO of Binance – for a discussion on the future of financial services, why crypto is moving into the mainstream, and how Binance is building infrastructure for the next era of digital finance.Rethinking Financial Services From the Ground UpRichard opened the conversation by framing Binance not only as the world’s largest crypto ecosystem, but as a financial super app. In his words, Binance now gives users access to a growing suite of products that goes beyond crypto alone, including exposure to asset classes such as commodities, precious metals, stocks, and other emerging opportunities.Traditional financial services were built around banks, branches, limited market hours, expensive cross-border transfers, and multi-day settlement cycles. Blockchain and crypto offer a different architecture: global, always-on, programmable, transparent, and capable of near-instant value transfer.The remittance context illustrated the point especially vividly. Richard noted the scale of remittances globally and the cost burden that traditional rails can impose on families, workers, vendors, and businesses. Stablecoins and crypto, by contrast, can allow value to move faster and at far lower cost, potentially giving more money back to the people and businesses meant to receive it.Utility, Richard argued, is one of the strongest practical arguments for crypto adoption.From Bank Accounts to WalletsOne of the episode’s most important themes was Richard’s view that the wallet could become the central interface for financial life.Asked whether an 18-year-old today would still need a bank account, Richard said the answer depends on the market and the user, but the direction of travel is already visible. In the future, he argued, people may not necessarily need a traditional bank account in the way earlier generations did: what they will need is a wallet.Through a wallet, a user could receive salary, pay bills, send funds, invest across asset classes, access savings and yield products, and manage a diversified portfolio. Combined with AI, this wallet could become more intelligent over time, helping users navigate financial decisions, automate routine actions, and access opportunities that were previously difficult, slow, or unavailable.This is central to Binance’s super app narrative and its core idea of giving users one trusted, intuitive place to manage more of their financial lives in a world where the lines between crypto, traditional finance, payments, investing, and AI-powered automation are beginning to blur.Why Crypto Is Becoming MainstreamRichard also addressed why many prominent skeptics have changed their views on crypto. His answer was deeper understanding. Some of the world’s largest institutions and asset managers were once sharply critical of crypto, but many have since begun to recognize the underlying technology’s potential. Tokenized deposits, stablecoins, real-world asset tokenization, and blockchain-based settlement are increasingly part of serious conversations among banks, asset managers, regulators, corporates, and fintech companies.Most importantly, Richard made a point to clarify that cryptocurrency should not be regarded merely as a technology for a singular application. It is not only an alternative payment rail, a store of value, or an investment asset class; it can support payments, 24/7 settlement, tokenization, decentralized finance, cross-border transfers, and new forms of financial infrastructure. As he put it, the script is still being written.Trust, Regulation, and User ProtectionRichard also addressed one of the most important tensions in crypto: the same freedom that empowers users can also be abused by bad actors.He pointed out that scams and fraud are not unique to crypto. They exist across financial services and have become more sophisticated with the rise of digital technology and AI. The answer is to build stronger guardrails, invest in user protection, and educate people to act with caution.He highlighted Binance’s investment in anti-fraud systems, including the use of more than 100 AI models to detect suspicious activity and warn users before they make potentially risky transfers. He also stressed the importance of users doing their own research and taking responsibility for understanding where they put their money.Drawing on his own background as a regulator, Richard argued that smart regulation must balance risk management with innovation and growth. Regulation that eliminates all risk by eliminating all activity does not serve users or economies. The better path is to embrace new technology and build frameworks that protect users while allowing useful innovation to develop.AI x CryptoThe conversation then moved into AI and agentic finance. Richard described AI and blockchain as two of the most important technologies shaping the next generation of economic infrastructure.He explained that within Binance, AI is being used across the entire organization to improve efficiency. For users, AI can support analytics, market understanding, and eventually more advanced forms of agentic trading and payments. Richard was clear, however, that users must approach these tools with proper risk management.His broader point was that AI and crypto are likely to reinforce each other. As AI agents become more capable of acting on behalf of users, they will need fast, low-cost, programmable payment rails. Stablecoins and crypto are naturally suited to that environment because they can support small, instant, global transactions in ways that legacy payment systems often cannot.Building for UtilityToward the end of the conversation, Richard remarked that technologies and opportunities will continue to evolve, but products with sustainable utility and strong use cases will remain important.Binance’s vision of a financial super app is about building trusted and global financial infrastructure for a world where users expect money to move instantly and financial tools to work across borders.For audiences in Asia, that message is especially relevant. These are markets with young, mobile-first populations, large remittance flows, strong entrepreneurial energy, and rising demand for more accessible financial tools.The future Richard described is one in which financial access is defined by the wallet, the network, the user, and the technology that connects them.Final ThoughtsRichard Teng’s conversation with Raj Shamani offered a view of where Binance believes financial services are heading: toward faster payments, broader access, smarter wallets, responsible regulation, AI-enabled tools, and a more open financial system.The transition will not happen everywhere at the same speed. Different markets will evolve differently, and users will adopt new tools at different rates. As digital assets and AI mature, the financial experience of the next generation may look very different from the one their parents knew. And for Binance, the mission is to help build that future responsibly and at global scale.Click here to watch the full podcast.Further ReadingCut the Costs, Open the Gates – Here’s How Binance Lowers the Friction on InvestingCompliance, by the Numbers – Inside Binance's Global Safety InfrastructureFrom Frontier to Everyone: A Letter to the 300 Million Walking With Us