CZ said a few blunt truths in Davos, and many people might not have understood.

He said that over the years, the only two truly validated successful business models in the crypto world are exchanges and stablecoins.
But the problem is very real — these two sectors have become so large that ordinary people simply can't get in. Newcomers trying to break in are essentially just providing liquidity for giants.
Then he talked about three directions that are truly worth paying attention to in the future: asset tokenization, payments, and AI.
First, asset tokenization.
This isn't about project teams issuing a few RWA tokens; it's about things at the national or financial system level.
Real estate, government bonds, funds, stocks—by splitting, onboarding onto the blockchain, and improving clearing efficiency, dormant financial value is being unlocked.
This path is slow, but once it starts, the scale will be terrifying and irreversible.
Next, payments.
CZ directly dispelled the illusion: in reality, no one will use cryptocurrencies to pay.
What people want is stability and a seamless experience, not private keys and Gas fees.
The truly practical form is:
Users swipe cards or scan QR codes, merchants still receive fiat currency, but backend clearing uses stablecoins or blockchain.
Cryptocurrencies won't appear at the front end, but will quietly run the system behind the scenes.
Finally, the most easily overlooked but most ruthless point: AI + Crypto.
In the future, the ones truly using cryptocurrencies might not be humans, but AI agents.
When AI can execute tasks, call services, and settle automatically,
fiat currency and bank accounts are too slow and too closed for them,
only cryptocurrencies and smart contracts are "naturally compatible."
To sum up in one sentence:
Cryptocurrencies are no longer toys for rebels but are being integrated into the global financial and technological systems.
Not necessarily getting rich overnight, but definitely becoming more "bottom-layer."
If you're still viewing the crypto world with 2017 eyes, you're likely to miss what truly matters. #Gate广场创作者新春激励