Zhao Changpeng recently dropped a bombshell opinion: the crypto market can still grow 10x.

His logic is straightforward—the current global crypto market cap is $3 trillion, and the ceiling is $30-40 trillion. I did some quick math, even if BTC hits $1 million per coin, that’s only a $21 trillion market cap. Looking at it this way, people entering now are really still picking up gold.

CZ highlighted three tracks that I think are worth keeping an eye on.

**Let’s start with payments.**

He asserts that crypto payments will become the foundational infrastructure of the next era. Musk is also looking into this—he’s publicly complained multiple times: why can Tencent manage all-scenario payments in China, but X can’t make it work in the US and Europe? From his confusion, you can tell how hungry the Western market is for stable and efficient payment channels.

In this track, $XRP is the top dog.

If it can truly achieve seamless fiat conversion and allow users to switch to crypto payments without noticing, it’s not an exaggeration to say XRP could take $2 trillion out of a future $40 trillion market. Getting in now, a 10x return is a conservative estimate.

**Next, let’s look at the education and charity sector with $GIGGLE.**

Many people don’t know this, but the GIGGLE concept itself was created by CZ—those conspiracy theories saying it’s “a token issued by a certain Shanghai education company” are pure nonsense. CZ started a GIGGLE kids’ financial education project, teaching children how to trade currencies, which is actually paving the way for Trump’s “Little Capitalist Plan.”

Here’s some background: Trump wants to open accounts for every American child aged 6-17, put $1,000 in each, and let them trade stocks and crypto themselves, aiming to activate asset liquidity.

Someone on the BSC chain turned this concept into a meme token, and funnily enough, the meme actually embodies CZ’s educational philosophy. Although CZ wasn’t aware of the token’s creation, he approves of the direction. At this rate, GIGGLE hitting $1500 is just a matter of time.

**The last track I’ll keep to myself—you know what I mean.**

These three tracks are laid out here, and those with a long-term mindset should know how to choose.