Binance founder Changpeng "CZ" Zhao said investors should not sell a home or commit most of their wealth to Bitcoin, even though he remains bullish on crypto over the long term. At the Aug. 23, 2026, Bali Clubhouse Q&A, he recommended dollar-cost averaging by investing 1%, 5% or 10% of monthly income in established assets such as Bitcoin, Ethereum and Solana, without leverage or speculative small tokens. Zhao said the four-year crypto cycle still appears intact but that the next market catalyst cannot be predicted. He also described how his views changed on NFTs, meme coins and real-world assets, and discussed the widening role of AI, crypto-native payments and AI-assisted education. His Giggle Academy has more than 1 million children enrolled, but Zhao said purely AI-led teaching has not worked well for young children.