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Summary: When Binance allocates $1 billion SAFU fund to buy BTC, how do retail investors interpret the underlying logic?
Author: Viee｜Biteye Content Team
In early February 2026, the winter at Victoria Harbour in Hong Kong is busier than usual, as the Hong Kong Consensus Conference, a key event in Asian crypto narratives, is held again.
Recently, Bitcoin's price briefly dropped below $70,000, trading volume was sluggish, and investors were anxious. During this bear market, how will these giants like exchanges respond to the cold snap? For ordinary retail investors, perhaps the question isn't when the bull market will return, but whether they can survive this bear market. Platforms are adjusting their positions, institutions are building their foundations, and we need to consider how to allocate funds and protect principal.
This article starts with Binance's statements at the Consensus Conference, analyzes the underlying logic behind institutional Bitcoin purchases, and, in conjunction with recent exchange wealth management activities, discusses how retail investors and institutions can prepare together during industry downturns.
1. Consensus

BNB Chain's native stablecoin $U launches staking functionality, offering a reward pool of 2 million $U with an APY of 20%. This event marks the transition of $U from a trading tool to an income-generating asset, attracting attention from platforms like Binance and others. The usage logic of $U is changing; users can not only trade but also earn yields through staking, enhancing retention. During the event, various investment strategies are available, allowing users to choose participation methods based on their individual circumstances and risk tolerance.

The cryptocurrency market is in a bear market with extreme fear sentiment, but institutional demand is rising. Mainstream coins like Bitcoin and Ethereum face risks of volatility and pullbacks, but there is some rebound potential. Some hot coins like UNI and HYPE show investment potential, and it is recommended to control positions and pay attention to market sentiment changes.

The cryptocurrency market is currently in a state of panic and volatility, with Bitcoin oscillating around the key support level of $65,000. Although short-term fluctuations are intense, on-chain data indicates that the market is accumulating. Mainstream coins like BTC and ETH have bullish opportunities under optimized institutional holdings, while emerging tokens such as HYPE and AAVE show potential. Investors are advised to proceed cautiously and stay attentive to market developments.

This tariff incident revolves around the territorial sovereignty dispute between the US and Europe. Trump used increased tariffs as a means of pressure, causing intense fluctuations in global markets. Investors should pay attention to the transmission effects of tariffs, liquidity changes, the performance of safe-haven assets, and seize the opportunity to avoid losses and protect assets.

The cryptocurrency market experienced a significant decline today, with Bitcoin falling below $94,000 and a total liquidation of 7.9 billion across the network. In the short term, the performance of various coins is poor, with BTC needing to stay above $90,000 for support. ETH shows a rebound opportunity, while SOL and BNB volatility has increased. The popular coins HYPE and SUI have bleak prospects, but REKT has breakout potential. The overall market needs to strictly control risks.

The cryptocurrency market is experiencing a downward correction, with BTC battling at the $95,000 support level and facing technical breakdown risks. BTC and BNB have bullish potential, while ETH is temporarily bearish. LINK, ASTER, and TRX show bullish potential. Investors are advised to control their positions and operate cautiously.

The cryptocurrency market is in a structural uptrend, with Bitcoin rising to $97,850 and expected to break the $100,000 mark. Despite short-term fluctuations, long-term potential remains strong. Mainstream coins such as ETH, SOL, and BNB are performing well, with a recommendation to buy on dips, especially BTC and BNB. Meanwhile, LINK and ASTER also show bullish opportunities. The overall market sentiment is positive and worth paying attention to.

The article discusses the comparison between Chinese AI companies and the top U.S. venture capital firm a16z, emphasizing the different approaches in technological innovation and capital operations between the two countries. a16z leverages long-term capital and national strategies for investment, while China relies on government guidance and market synergy. The article points out that future success depends not only on the choice of model but also on how to cultivate an ecosystem conducive to innovation and the courage and capability to undertake exploratory risks.

Market Trends
The current cryptocurrency market shows mixed gains and losses, with overall momentum recovering. Bitcoin successfully reclaimed the $92,000 level, driven by buying from US investors and short squeeze pressure, boosting short-term bullish sentiment. On the macro front, as more than 50 countries worldwide officially begin implementing the CARF (Crypto Asset Reporting Framework) for tax data collection, regulatory pressure on centralized exchanges is prompting funds to flow into decentralized protocols. The market is holding its breath awaiting the final confirmation of CPI data, presenting a oscillating upward game pattern overall.
Mainstream Coins
BTC
Regains upward momentum, successfully stabilizing above $92,000. If it can effectively hold this level, a path toward $100,000 will open. Supported by expectations of slowing inflation and ongoing ETF attention, short-term retracements are opportunities for confirmation. It is recommended to monitor the support strength at $90,500 - $91,000, and avoid

The cryptocurrency market has recently shown narrow fluctuations, with CPI data becoming the focus. BTC's short-term trend is limited, ETH faces a key resistance, SOL has short-term rebound potential, and BNB remains bullish. XMR hit a new all-time high, HYPE and DRB have short-term bullish opportunities, and AAVE is experiencing a value rebound. Overall market sentiment is cautious.

Market Trend
The cryptocurrency market is currently experiencing a significant increase in volatility, showing a pattern of oscillation and consolidation. On a macro level, the market is holding its breath in anticipation of key data such as the US retail sales and PPI on January 14-15. Sentiment is supported by expectations of built-in crypto features on X (formerly Twitter) and continuous institutional accumulation, with BTC gathering momentum near the critical resistance level of $94,000. Although short-term uncertainty causes price divergence, long-term funds remain confident in the policy dividends and application implementation expected by 2026. Overall sentiment is cautious and neutral.
Mainstream Coins
BTC
The medium to long-term trend remains positive. The upcoming integration of crypto payment features on X and potential buying interest from MicroStrategy (MSTR) provide solid support for the price. Currently, focus should be on the resistance break at $94,000; if it holds steady, the upward potential will further open. Suggested stop-loss is set at $89,200.

Binance's 2025 Year-End Report shows that the global registered users exceed 300 million, with a trading volume of 34 trillion, emphasizing that retail investors need to adapt to new gameplay. The report points out that platform regulatory compliance will increase, BNB will reward long-term holders, Alpha incentives will target genuine users, and the institutionalization trend will change market dynamics. Ordinary users should utilize tools to enhance their investment capabilities, value genuine participation, and also hold BNB long-term to achieve stable returns.

According to on-chain data from @Dune, the global crypto card spending experienced exponential growth in the second half of 2025, with the monthly volume soaring from tens of millions at the beginning of the year to surpassing the $100 million mark. This data directly reflects the real users' preferences in daily consumption.
💼 Core pain point: What problem does the U card solve?
The most frustrating issue with withdrawals now is price erosion.
Currently, the USD to RMB exchange rate is 7, but if you sell USDT for cash on a CEX, the rate is only 6.87. Before even spending, you lose 2% due to erosion. Plus, OTC transactions often carry the risk of frozen cards, which is why the U card is gradually becoming a necessity for Web 3 users.
Bypassing middlemen, making offline payments, and deducting directly at real-time exchange rates for daily expenses not only avoids discount erosion but also eliminates the risk of negotiations with acceptors.
💳 2026

Market Trends
The overall cryptocurrency market currently shows a divergence trend. Bitcoin is maintaining a steady accumulation momentum supported by positive non-farm payroll data expectations and VanEck's long-term prediction of $2.9 million by 2050. However, the altcoin sector is performing weakly due to liquidity siphoning effects. Market sentiment is currently in a "structural bull market," with institutions accelerating their focus on high-certainty assets. Traders should be cautious of the potential correction risks associated with overvalued small-cap coins.
Mainstream Coins
BTC
Has bullish opportunities. As long as it does not break below $89,000, the trend remains strong, and a pullback to this level is an ideal long entry point. With Messari's 2026 report defining it as a "market-independent top-tier asset" and the potential increase in global trade settlement demand, long-term holders are advised to set stop-loss at the breakeven point and hold for gains.
ETH
Faces short-term downward pressure. Driven by early-stage holdings