CZ: Lack of privacy is the last obstacle to crypto payments.

At the 2026 World Economic Forum, Binance founder CZ stated that despite the rapid development of L2 networks, virtually no one uses cryptocurrency for payments in daily transactions. He pointed out that the main obstacle is no longer the high fees and slow speeds of the past decade, but rather the complete lack of transaction privacy on public blockchains. For example, businesses cannot use public ledgers to pay suppliers without exposing their full balances, other suppliers, and precise cash flows to competitors. CZ's vision is an "invisible track," where blockchain will serve as the backend infrastructure for existing payment providers, making transactions faster and cheaper without the end user's awareness, and the industry should pragmatically integrate with traditional finance. Regarding global regulation, he proposed a "regulatory passport" model, where a license obtained in a reputable jurisdiction can be recognized in multiple regions. CZ also predicted that cryptocurrency will become the native currency of the emerging autonomous AI agent "machine economy."