“ 币安会客厅 ” 这一期，很荣幸请到"财经女侠"叶檀老师 我们聊了很多大家最近很关心的话题：婚前财产要不要公证？赞成AA 制吗？三金该不该买，感情里能不能谈钱…也聊到叶老师从 2014 年创业到今天，一路走来的心路历程和心态变化 这些内容，完整版出来之后欢迎观看💛 这篇我想先单独整理一个话题，因为它几乎是每个人都在问的：现在到底处在什么周期？该投什么？ 听完叶檀老师的分享，我把她的核心观点整理了出来 一、一个时代在结束，另一个早已开始 如果说现在是康波周期的转折点，那结束的是什么？ 叶檀老师的判断是：互联网时代，正在走向尾声。接棒的是 AI。而且它不是刚刚开始，是早就开始了。 她给了一个信号：在中国整体投资下行的背景下，规划中的 AI 相关基础设施投资是几十万亿级别，年均复合增速在 10% 以上。一枝独秀。 只要到 2030 年的规划不变，社会的财富和资源就会持续向这个方向倾斜。 但她特别强调了一句：这不代表现在投 AI 就一定赚钱。AI 里面也分细分板块，也有波动。 二、中国的周期，被压缩了 从 1978 年到今天，中国用 40 多年走完了制造业、基础行业、信息化。 别人上百年的周期，在中国被大幅压缩。 结果就是：切换极快，也极急剧。 她讲了一个朋友的故事。90 年代在大开发商做区域老总，跟投买了 100 多套房。 放在 2021 年最后一波疯狂之前，这是神话。 但如果一直拿到今天呢？尤其在三四线城市，连出租都难。没有现金流，还要持续投入成本。 资产，立刻变成了负债。 三、财富在换手，人性跟着周期变 同一时期，另一群人的感受完全相反。 一位年轻的高科技企业家，公司刚上市，钱多到不知道怎么花，买房子推倒重建当消遣。 房地产商觉得寒冬，科技企业家觉得遇上了前所未有的好时代。 叶檀老师的总结是：我们看到的是人性的变化，但本质上，是经济周期带来的财富变化，改变了人。 四、中周期：地缘政治正在给行业定价 长周期之外，还有中周期。国际形势的变化，会让某些行业突然特别好。 她举的例子是船舶。 这一轮船舶周期持续得比以往都长。原因很具体：红海航道受阻，船要绕道南非，有的船甚至被扣住动不了。 以前一家航运公司 3 艘船就能周转，现在要 6 艘。 周转周期变长，需要的船更多。从全社会看，这是一种浪费型的、无效的投资。但对船舶行业来说，就是持续的景气。 再看船运保险价格，今天上天，明天落地，根本没法定价。 谁说了算？在社交媒体上发帖的人说了算。这就是现在市场不一样的地方。 五、长周期还在，有一条线从没变过 那是不是长周期不存在了？ 叶檀老师说不是。从 80 年代到现在，有一条主线始终没变：高端制造和高科技的发展。 只要是能赚钱的高科技企业，就能发展得很好。 六、萧条末期，一个极端分化的世界 她也没有回避现实。从制造业投资和就业数据看，现在的经济很差。即便是最好的大学，有些专业的毕业生就业已经很难。 她的判断是：传统制造业和部分消费行业，正处在萧条期的末期，在见底。 但伴随着新力量的出现，会有人很好过，有人很难过。 我们面对的，是一个极端的世界。近在咫尺，冷暖不同。 我的一点理解是， 周期不会告诉你该买什么。但它能告诉你，钱在往哪里流、风险在哪里积累。 房子可以从资产变成负债，一个行业可以因为几发炮弹重新景气。所有"确定"的东西，都有保质期。 叶檀老师在分享中多次强调，每个人擅长的投资工具不同、承担风险的能力也不一样，小额试错、量力而行🤜🏻🔸🤛🏼

Travix Beta is not public. We’re opening a 50-code whitelist for testers who will actually trade and send usable feedback. Quote this post, submit the form, and wait for the invite code by email and discord. How to apply 👇

Proud to announce that Ethena has completed a SOC 2 Type II audit based on the Security Trust Services Criteria, receiving a clean opinion from an independent auditor with zero exceptions noted. SOC 2 is a widely recognized standard for enterprise-grade, operational security assurance: an independent audit of how Ethena actually run access control, change management, monitoring, and incident response. Unlike a Type I report, which checks that controls are designed correctly at a single point in time, a Type II examination tests that those controls actually operated effectively over time. The audit covers infrastructure and processes supporting our products. It is distinct from, and complementary to, the smart contract audits and security reviews covering the Ethena protocol. We believe rigorous operational security should be table stakes for any onchain infrastructure handling billions of dollars, and we intend to maintain continuous SOC 2 coverage into the future. Ethena joins a very short list of onchain businesses that have completed SOC 2 Type II, including Circle, Chainlink and Aave. The full report is available to partners on request under NDA.

感谢 @xhunt_ai 和 @BiteyeCN 的邀请参加 AI & Web3 创作者之夜 恭喜 xHunt 成为 Yzi Labs 孵化的首个「注意力基础设施」 必须听 @DeFiTeddy2020 和 @Web3SisterA 讲讲这次的 不丹🇧🇹 见闻 😆

🔥 $FORM Buyback and Burn Four has completed the latest $FORM buyback and burn, with a total of 408,601.81 $FORM bought back and permanently burned. Going forward, Four will continue to allocate a portion of platform profits toward $FORM buybacks and burns, with execution records made publicly available. $FORM remains a key part of the Four ecosystem. As the platform grows, we’ll continue sharing that value with the community and building the ecosystem together. 🔥 Burn Tx:

The SmartX waitlist is now open. What kind of trader are you? Take the Trader Type Test and claim your place in Chapter One of SmartX — The personalized social trading app for on-chain markets. Win an iPhone Duo, enter the Genesis 100, and share up to 10,000 USDT in rewards.

Introducing $pPOLY — a token issued by @Paimon_Finance. Featured in the first Pre-Access, provided by @PancakeSwap, and accessible via Binance Wallet Get indirect, tokenized exposure ahead of a potential public listing. PancakeSwap pPOLY Campaign Details: 💰 Token Price: $15.5 💰 Total Offering Size: $4.8M ⛓️ Network: BNB Smart Chain Timeline (UTC) ⏰ • Campaign Period: Sep 21, 2026, 09:00 AM – Sep 24, 2026, 09:00 AM (72 hours) • Claim $pPOLY Starts: Sep 24, 2026 09:00 AM • Return of unallocated funds Starts: Sep 24, 2026 09:00 AM • $pPOLY Trading Starts: Sep 24, 2026 09:00 AM Your subscription quota is mainly determined by two factors: your Alpha Points tier as of the campaign announcement and your bStocks on-chain activity tier, based on your bStocks holdings and trading volume (including Stock Memes) during the 15-day period preceding the campaign announcement (Sep 6, 2026, 00:00:00 to Sep 20, 2026, 23:59:59 UTC). Higher tiers unlock higher quotas. All Alpha Points holders can subscribe, and no Points will be deducted. Users can access the PancakeSwap campaign with a Binance Keyless Wallet. Campaign details and the Event Portal will be available via the homepage banner soon. Disclaimer: Pre-Access tokens are provided by third parties. Binance Wallet only displays access points and does not issue tokens, facilitate trades, or grant equity/IPO rights. IPO and Returns not guaranteed. Trading is high risk. DYOR and review all terms.

Renaiss TCG Gacha Goes Live on @GiwaterFinance 💫 Renaiss has completed the integration of its TCG gacha application with GIWATER, making it the first third-party application to go live on the GIWATER public testnet. Selected for Upbit’s GIWA ecosystem incubation program, GIWATER is now Korea’s first DEX to integrate Renaiss’s TCG gacha application. With Proof of Fair, the partnership brings verifiable randomness and third-party-verifiable custody for card inventory to the GIWA ecosystem. More collaborations across DeFi, RWA and collectible markets are ahead. See you at KBW. 👀

👀 RWA 龙头 Ondo 自己做的 Ondo Preps @OndoPerps ，已经正式公测了 Alpha 测试期间，奖池很丰厚，每周都有 10万u+ 的奖池 目前群友们总共贡献了 45M 的交易量，奖池吃的还是很舒服的 👉 现在 Ondo Preps 一口气推出了 20多支 美股合约： MU、SPCX、SNDK、MRVL 等，并支持 SPY、QQQ、NVDA、TSLA、GOOGL 作为抵押品 合约市场有一点好，除了能加杠杆，还能 7x24 交易，不用等美股的交易时间窗口 Ondo Preps 实测深度流动性都很不错，交易体验丝滑，并且支持 API 交易，对高频量化用户也很友好 目前总奖池高达 300 万美元，公测虽然会卷一点，但是奖池也大啊，继续刷起来 别的 Preps 只会用积分钓着你，Ondo @OndoFinance 直接真金白银给你发 USDC，不香么？ 👉 走泵泵邀请链接（最高20%自返，额外请私聊）：

YiYi的开箱视频来啦！💕👋 并且带着抽奖来啦～100usdt体验金2个人（还有机会获得13周年最新周边哦） ➕关注@Ceee333_ ➕quote本推文➕评论区留言你最喜欢的HTX @HuobiGlobal 周边 #web3# #HTX13周年#

🥮金秋望圆月，好礼尽在币安中秋！ 转盘+集字好运加码，怎么参与都有礼 🎁 集齐「币安中秋」，100% 赢 iPhone 18 Duo 等多重奖励！ 🧑‍🤝‍🧑 邀好友来团圆！评论区晒出你抽到的字并转发，抽 3 位送币安行李箱 & 5 位送定制水杯 👇

Renaiss TCG Gacha Goes Live on @GiwaterFinance 💫 Renaiss has completed the integration of its TCG gacha application with GIWATER, making it the first third-party application to go live on the GIWATER public testnet. Selected for Upbit’s GIWA ecosystem incubation program, GIWATER is now Korea’s first DEX to integrate Renaiss’s TCG gacha application. With Proof of Fair, the partnership brings verifiable randomness and third-party-verifiable custody for card inventory to the GIWA ecosystem. More collaborations across DeFi, RWA and collectible markets are ahead. See you at KBW. 👀