Crypto's Role in Financial Inclusion and the 5 Coins Investors Are Accumulating

In 2025, cryptocurrency is no longer a speculative asset class but a foundational pillar of financial inclusion. Changpeng "CZ" Zhao, the visionary architect of Binance, has consistently emphasized that blockchain's true potential lies in bridging economic disparities and democratizing access to financial services. His public statements underscore a clear mandate: crypto must solve real-world problems, from cross-border payments to asset tokenization, while aligning with institutional-grade innovation, as CZ on crypto's impact. This philosophy has shaped Binance's strategic roadmap, which now prioritizes partnerships with projects that deliver tangible utility, scalability, and interoperability. For investors, this means the next wave of high-potential cryptocurrencies will be those that directly address CZ's vision. Below, we analyze five such coins gaining traction in 2025.

Binance's Strategic Vision: Bridging Traditional and Decentralized Finance

CZ's 2025 roadmap for Binance is anchored in three pillars: real-world utility, institutional collaboration, and regulatory alignment. He has criticized the crypto space for its “99.95% useless” AI token projects, as noted by an ex-CEO on AI tokens, advocating instead for solutions that integrate blockchain with legacy systems. Binance's partnership with Franklin Templeton—a $1.6 trillion asset manager—to tokenize securities and improve settlement efficiency exemplifies this approach in a Binance–Franklin Templeton collaboration. Similarly, Binance Labs' rebrand expanded its focus to AI, biotech, and cross-chain infrastructure, reflecting CZ's belief that blockchain must evolve beyond speculative trading.

This strategic shift has positioned Binance as a bridge between traditional finance (TradFi) and decentralized finance (DeFi). For instance, Binance Pay's integration with Injective (INJ) enables real-world transactions using crypto, while its Simple Earn Locked Products offer up to 9.9% APR on assets like Rootstock Infrastructure Framework (RIF), as highlighted in a Crypto Reporter roundup. These initiatives highlight Binance's commitment to fostering projects that enhance financial accessibility for unbanked populations and enterprises alike.

The 5 Coins Investors Are Accumulating in 2025

1. Qubetics ($TICS): The Interoperability Powerhouse

Qubetics has emerged as a top contender in 2025, raising over $15.2 million in its Qubetics' presale. Its Layer 1 blockchain focuses on cross-chain interoperability, enabling seamless communication between Ethereum, Solana, and Bitcoin networks. This aligns with Binance's push for multi-chain ecosystems, as Qubetics' QubeQode IDE simplifies enterprise adoption of blockchain solutions; the team confirmed a listing in a Qubetics listing.

The project's real-world utility is evident in its non-custodial multi-chain wallet, which allows users to manage assets like USDT and Bitcoin treasury holdings without third-party intermediaries, according to Dapp.Expert coverage. While Qubetics has confirmed a listing on a top-tier exchange, Binance's direct involvement remains unconfirmed. However, its strategic alignment with CZ's interoperability goals and institutional-grade infrastructure make it a compelling long-term play, as outlined in the Binance roadmap.

2. Injective (INJ): Modular DeFi for Global Markets

Injective's modular DeFi infrastructure has gained traction in 2025, particularly after the Binance Pay integration with INJ for peer-to-peer and merchant transactions. This partnership underscores Injective's role in expanding crypto's utility beyond trading—enabling fast, low-cost payments for everyday users. Injective's iAgent SDK, which allows AI-driven trading strategies, further aligns with CZ's emphasis on functional AI agents, as discussed by CZ on AI agents.

With a 17% price surge in early 2025, Injective's focus on scalability and interoperability positions it as a key player in Binance's DeFi ecosystem, according to a Binance post. Investors are accumulating INJ not just for its technical merits but for its direct integration with Binance's payment infrastructure.

3. Bitcoin Cash (BCH): The Peer-to-Peer Workhorse

Bitcoin Cash remains a critical asset for financial inclusion, offering low-cost, high-speed transactions ideal for emerging markets. Binance.US confirmed BCH listings in 2025, as shown in the Binance.US listings documentation, reflecting its enduring relevance. CZ has highlighted BCH's potential as a “send it” solution for unbanked populations, particularly in regions with limited access to traditional banking, as detailed in CZ on 'send it' year.

Recent integrations with PayPal and other payment gateways have further solidified BCH's real-world utility, noted in a Coinrise piece. While its price volatility persists, its role in Binance's ecosystem as a practical, scalable payment layer ensures continued institutional interest.

4. Render (RNDR): Decentralized GPU Power for AI and Metaverse

Render's decentralized GPU rendering network has become indispensable for AI and metaverse applications in 2025. Binance supported its token swap from RNDR to RENDER in 2024, signaling confidence in its long-term viability via the RNDR token swap. This alignment with Binance's AI and DeFi strategies makes Render a strategic asset for investors seeking exposure to compute-intensive blockchain use cases.

With demand for GPU resources surging in AI training and 3D modeling, Render's utility-driven model—where users rent rendering power—resonates with CZ's vision of blockchain solving real-world problems, echoing CZ on crypto-AI agents.

5. Tezos (XTZ): Self-Upgrading Governance for Enterprise Adoption

Tezos's self-amending code and recent Quebec upgrade have enhanced its scalability and transaction speed. Binance.US lists XTZ, and its collaboration with Manchester on NFT-based urban planning highlights its real-world applications (as noted by Dapp.Expert). CZ has praised Tezos's governance model as a blueprint for institutional-grade blockchain adoption, reflected in Binance's broader roadmap.

For investors, Tezos represents a mature project with a proven track record of innovation. Its alignment with Binance's institutional partnerships and focus on enterprise solutions makes it a defensive play in 2025's volatile market.

Conclusion: Strategic Alignment and the Future of Financial Inclusion

The five coins analyzed above—Qubetics, Injective, Bitcoin Cash, Render, and Tezos—share a common thread: they address real-world challenges in financial inclusion, interoperability, and institutional adoption. Binance's strategic initiatives, from Franklin Templeton partnerships to AI-driven DeFi tools, have created a fertile ground for these projects to thrive.

As CZ emphasized in 2025, the future of crypto lies in utility, not speculation. Investors who align their portfolios with projects that bridge the gap between blockchain and global finance—whether through cross-border payments, AI infrastructure, or tokenized assets—will be well-positioned to capitalize on the next phase of crypto's evolution.