Should You Go 'All In' on Bitcoin? Binance Founder Changpeng Zhao Has the Answer

Binance co-founder Changpeng "CZ" Zhao remains bullish on Bitcoin (CRYPTO: BTC) and crypto over the long term, but warned investors against going “all-in.”

Not “All-In,” But Dollar Cost Averaging

Speaking during the Bali Clubhouse 2026 AMA on Sunday, Zhao was asked what the 2026 equivalent would be of his decision to sell his apartment and buy Bitcoin in 2014.

"I would not tell anyone to sell their apartment to go all in," Zhao said, particularly if the property represents most of their wealth.

Instead, CZ recommended dollar-cost averaging, suggesting investors allocate a small portion of income that does not affect their lifestyle toward established cryptocurrencies.

Zhao said he remains confident that "Bitcoin will continue to grow," alongside BNB (CRYPTO: BNB) and other strong crypto projects, while stressing the significant volatility involved.

Asked whether BTC’s traditional four-year cycle was breaking down, Zhao pushed back.

"I think the four-year cycle still holds very strongly," he said, noting that the current market environment resembles the bear-market phase seen four years earlier.

However, CZ stopped short of predicting exactly what will trigger the next crypto cycle.