PANews Editor's Note: On April 20, at the 2026 Hong Kong Web3 Carnival, Du Yu, head of Wanxiang Blockchain Lab, had an exciting in-depth dialogue with He Yi, co-CEO of Binance, around the theme "From Crossing to Reconstructing: The Future of Finance is Being 'Reprogrammed'." Below is the full dialogue:

Du Yu: Hello everyone! I am Du Yu from Wanxiang Blockchain Lab. Today, Sister Yi can feel everyone's enthusiasm, so I won’t say much more about her. Please greet everyone first.

He Yi: First of all, thank you all for coming to Hong Kong to see me, in fact, I am also here to see all of you. I am very happy to meet everyone here, hello! I am He Yi, the "Chief Customer Officer" of Binance, thank you all!

Du Yu: I am very honored to invite Sister Yi to the event today. Last year, I had a conversation with you on this stage, but you were online at that time. Today, I am very honored to have you here in person. A lot has happened in the industry over the past year, particularly the impact and opportunities brought by AI to the whole industry. I feel that we are at a singular moment of diverse convergence, and it’s very interesting to have a conversation with you here. In this complex cycle, I saw many people asking you specific questions in yesterday's AMA, and today I would like to discuss more about your macro view of the entire industry. There are attendees from various fields, including traditional finance and entrepreneurship. I heard there are also many students who specifically flew over to listen to your sharing. In the changing market environment over the past six months, what personal interests do you have? What new changes on your schedule, or what are you often thinking about that excite you or even give you a sense of urgency?

He Yi: As mentioned earlier, AI is indeed a moment that everyone cannot ignore, it is truly a significant node in human history. Therefore, I spend a lot of time thinking about how AI and blockchain, AI and finance might bring about changes to the world, what future financial forms will look like. This means I have to think about what Binance’s products might look like ten years from now, and what our services will be like.

So we will see that the whole world is rapidly entering a state of having a "pushing sense."

Du Yu: You just described a very exciting future. In the past, when discussing the future, it seemed like we were always talking about things three, five, or ten years ahead, but this year really feels different. I feel that an exponential turning point is right there, possibly happening today or tomorrow. I believe many people here might feel this urgency. Following what Sister Yi just mentioned about the evolution from AI to future finance, let's delve into some interesting discussions.

Starting with AI. The change AI brings to organizational forms is crucial, especially for a company like Binance that is approaching its ten-year mark. Recently, we may have seen many tech companies laying off employees, but after layoffs, their stock prices did not fall, not because of poor performance, but due to the enhancement of organizational efficiency. Even the recently popular concept of "one-person companies," although I personally think it's a bit exaggerated or hasn’t reached that point yet, small companies with three to five people or fewer than ten can now do what companies with several dozens or hundreds of people used to do. This is already happening.

AI is rewriting everything. How has AI changed your personal thinking and decision-making, and then the entire large platform of Binance, even multinationals? I believe Binance faces more challenges than many other large companies because it is a very globalized company. Looking around, there are not many companies that are more globalized or more distributed than you. What opportunities and challenges has AI brought to you?

He Yi: First of all, Binance does not plan to lay off employees on a large scale or reduce costs like most tech companies.

For us, AI actually makes strong individuals even stronger. For instance, in the past, a programmer might have innovative structural thinking, but when they wrote code, they might be limited. However, today, using AI to write code has become very smooth and mature, and it can actually enhance efficiency by ten times. I found something quite interesting.

We once had an employee who was caught working multiple jobs, and this was because he used AI to write code, which significantly improved his efficiency. At that point, he thought his work was easy to complete and then went to take another job, which, of course, led to his dismissal.

The overall thought is that we hope to further enhance the output and innovation capabilities of the entire organization, rather than simply pursuing cost reduction and efficiency enhancement at the current scale. This year, I put forward an idea that others might think sounds a bit crazy: in the past, we talked about pursuing 1 billion users, but this year I told everyone, we should pursue 3 billion users. Because we now have 300 million users, what does becoming a company of 3 billion users mean? It means Binance is not just an exchange, but also a global financial infrastructure; it means our services should be aimed at ordinary people, the public, every individual. The services we provide could be their daily payments, their routine finance, penetrating into every detail of their daily lives. This will prompt me to get employees to engage in more innovation and experimentation. As we continually expand business boundaries, our infrastructure must be stable enough. I have also received many friends’ complaints, saying that our products could be smoother, so I spent a lot of time optimizing products this year. Give me a few more months, and I will further improve it.

Secondly, regarding the impact of AI on us. In the past, when we understood AI, we thought of it as a very intelligent child, but if you have ever raised a young child at home, you will find that sometimes children can talk nonsense. I wonder if anyone has seen a movie by director Zhang Yuan called "Little Red Flowers." In it, kindergarten children think their teacher is a monster. You will find that AI has very similar characteristics to high-IQ small children; it may lack structural logic, and its memory may be discontinuous. However, in this kind of logic, we find that AI is experiencing a huge leap: in the last cycle (2025), AI was still a high-IQ brain, but today, in just a few months, I feel that AI has grown its own "hands."

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