Binance: Payments, Yield, AI Could Add 2 Billion Crypto Users

On April 29, 2026, Binance published a blog post and follow-up messages on X laying out how it expects crypto adoption to expand. The company pointed to more than $320 billion in stablecoins and about $7.2 trillion in monthly on-chain volume as signs of growing use beyond trading.

The post argued that payments, yield products, lending and other on-chain financial services will attract mainstream users more than spot or derivatives trading. It noted tokenized real-world assets have passed $25 billion and that global crypto users numbered roughly 741 million in 2025. Binance also reported weekly usage of its app has nearly tripled since 2023.

Binance described a four-layer platform model designed to support those services. The intelligence layer would provide AI-driven analysis, insights and execution support. The community layer would host discovery and discussion features, including Binance Chat and Binance Square. The growth layer would offer earning, borrowing and payment services such as Binance Earn and Binance Pay. The foundation layer would maintain exchange, payments and on-chain infrastructure.

The post compared market sizes to explain the focus on adjacent services. Global financial services are near $36 trillion, payments about $788 billion, social platforms about $208 billion, and crypto exchanges around $55 billion.

Binance projected that total crypto users could grow from roughly 700 million today to about 2 billion by 2030, with a longer-term goal of 3 billion. The blog included the line: “The next billion users, and then three billion and more, will arrive through payments, yield products, on-chain services, tokenized traditional assets, or community-led discovery in addition to crypto trading.”

The post added that combining AI, community features and financial services would make on-chain products easier to use. “When AI, community, trading, payments, and on-chain infrastructure work together, finance becomes easier to access and more useful to a much broader set of users,” the company wrote.

The blog framed the rise in stablecoin supply, on-chain activity and tokenized assets as indicators that many consumers may first encounter crypto through practical tools such as payments, savings and community services rather than through exchange trading.