Original Article Title: "Under the Wave of Institutional Accumulation, How Can Retail Investors Play with BNB?"

Original Article Author: @viee7227, Biteye Core Contributor

Recently, BNB has experienced a remarkable structural rally. After reaching an all-time high in July, it once again broke through the ATH at $865.68 today. With multiple US-listed companies massively buying BNB as asset reserves, as well as positive news such as ETF applications, BNB, once considered as a "exchange platform coin" + "public chain ecosystem token," is now evolving towards being an "institutional reserve asset."

The rally behind this may not be just a short-term hype, but a reassessment of BNB's value and positioning. This article will delve into the "institutionalization" path of BNB and the various opportunities that retail investors can participate in.

1. Review of BNB's "Institutionalization Evolution" Path

There have been three major events surrounding BNB in the past two months:

· Multiple US-listed companies adding BNB to asset reserves: Since July, several US-listed companies have successively announced purchases or fundraising to allocate BNB: for example, CEA Industries plans to raise $5 billion (with a possible extension to $12 billion) supported by Yzi Labs to create the largest-scale BNB reserve; Liminatus Pharma intends to invest up to $5 billion for long-term investment in BNB; Windtree Therapeutics has approved up to $7 billion for acquiring BNB; Nano Labs plans to invest $10 billion to gradually hold 5% to 10% of the circulating BNB supply, and has already bought 128,000 BNB off-exchange. This series of actions signals that some institutions are now viewing BNB as a reserve asset comparable to Bitcoin.

· ETF Trend: In early May, the well-known asset management company VanEck officially submitted a BNB ETF application to the US SEC, including additional income from staking. If approved, BNB is expected to become the focus of the next round of crypto ETF competition after Bitcoin and Ethereum.

· BNB Price Breaks All-Time High: Fueled by the above positives, BNB continued to strengthen and reached a historical high of $865.68 on August 14th. The chart below shows that since mid-July, the BNB funding rate has continuously risen from negative to positive, reaching around 0.015%–0.03%/8h between 7/23 and 8/14, along with the price surge; during the pullback phase, it did not stay negative for long, indicating a bullish dominance, with spot and leverage together boosting the price, showing sufficient upward momentum and a relatively healthy structure.

Source: Coinglass

The above event reflects BNB's institutional transformation, shifting from its previous reliance on the Binance ecosystem's internal value support to a new stage actively allocated by traditional institutions. With the influx of "Wall Street-style" buying pressure, BNB's value center has gained the driving force for structural uplift, with a more long-term and stable source of demand. For retail investors, it is time to reassess BNB's long-term potential and explore various ways to share the benefits of BNB's price increase.

II. Retail Investor Opportunity 1: BNB Chain On-chain Strategies

For retail investors, actively participating in the BNB ecosystem on-chain is an important way to gain value increment, and they can participate in BNB Chain's benefits through various methods such as DeFi, RWA, and Meme.

DeFi: The top DEX and lending protocol TVL on the BNB Chain have now risen to the forefront of the industry. For example, the leading decentralized exchange platform PancakeSwap (V3) has a TVL of about $2 billion, providing liquidity pool rewards for various trading pairs; the well-established lending protocol Venus supports lending for mainstream assets such as BNB; Lista DAO's TVL has also reached $1 billion. Retail investors can choose suitable DeFi strategies based on their risk appetite (as shown in the diagram below).

RWA: The BNB Chain is rapidly becoming a platform for on-chain real-world asset (RWA) adoption. In July, Ondo Finance announced the introduction of its tokenized products representing over 100 US stocks and ETFs on the BNB Chain, allowing global users to trade certain US stock assets 24/7. Additionally, Kraken and asset management firm Backed's xStocks program will also be deployed on the BNB Chain, supporting trading for 60+ US stocks and ETFs. Regarding stablecoins, the Trump family's WLFI company previously chose to launch a compliant stablecoin, USD1, on the BNB Chain, which is now integrated into the BNB Chain's DeFi ecosystem, providing a USD1 liquidity pool. Retail investors can conveniently invest in US stocks, bonds, and more on the BNB Chain, achieving asset diversification.

Meme: At the beginning of the year, many viral Meme tokens were born on the BNB Chain, leading to unprecedented market enthusiasm. If interested in meme coin trading, one can participate on the BNB Chain's first Meme fair launch platform, Four.meme, and keep an eye on newly deployed tokens. However, it is essential to remember that the meme coin market is highly volatile, and it is advisable to wait for the hype to return before investing. From a market opportunity perspective, the meme craze can bring considerable trading volume and new users to the BNB Chain, further boosting the demand for BNB, indirectly benefiting BNB holders.

Overall, the BNB Chain ecosystem is currently experiencing a surge in both traffic and value influx. For retail investors, this also means that on-chain opportunities are gradually emerging, allowing them to securely earn profits in blue-chip DeFi projects, explore RWA strategies, or even discover dark horse memes. As BNB serves as the core value carrier of the BNB Chain, on-chain prosperity will ultimately translate into BNB's value support. Therefore, deep involvement in the BNB Chain ecosystem is actually a journey of mutual growth with BNB.

III. Retail Opportunity 2: Coin-Stock Resonance, "BNB Concept Stock" Ambush Strategy

In simple terms, when a publicly traded company announces a large-scale purchase of BNB or includes BNB in its financial strategy, the price movements of these stocks become highly correlated with BNB. When BNB surges, they often experience synchronous or disproportionate increases, and vice versa. Hence, if confident in the fundamentals of BNB, one can consider laying low in related concept stocks before the market rally begins. For example, as MicroStrategy continues to buy Bitcoin, retail investors buying MicroStrategy's stock indirectly bet on Bitcoin's trend, sometimes even seeing MicroStrategy's stock price outperform Bitcoin's price during the same period. With the current rise of BNB institutional accumulation, it is expected to replicate such a coin-stock resonance effect.

As mentioned earlier, several companies planning to include BNB in their asset reserves (as shown in the image above) have stocks highly correlated with BNB. So how should retail investors operate and manage risks?

· Grasp the Information Rhythm: Keep a close eye on the timing of the aforementioned companies' announcements regarding BNB. Often, stock prices surge significantly as soon as the news is released, increasing the risk of chasing prices higher afterward. For example, pay attention to key milestones such as SEC filings, fundraising rounds, and completion of acquisitions. Position yourself at a low point before the news is announced, and consider taking profits in stages when the news is released.

· Monitor BNB Price Linkage: These stocks are already highly correlated with the price of BNB. For instance, when BNB broke above $800 at the end of July, stocks like CEA and Windtree followed suit intraday, and conversely, these stocks may experience a certain decline. Therefore, you can use the BNB price movement as a leading indicator. If you anticipate that BNB will start a new uptrend, you can accordingly increase holdings in related stocks and wait for resonance. However, be aware that if BNB experiences significant volatility, the stocks may exhibit more intense roller-coaster movements.

· Pay Attention to Concept Stocks and Binance Relationship: Some stocks have increased market confidence due to Binance's or CZ's involvement. Therefore, you can follow whether the official entities have further cooperation or support for these companies, such as providing custody services, strategic guidance, etc. These signals will enhance market trust in concept stocks holding BNB, thereby driving up their valuation.

It is worth noting that this type of opportunity carries dual risks, being influenced both by cryptocurrency market fluctuations and by stock market factors (such as financing dilution, etc.). It is recommended to proceed with caution, control your position size, and stay updated on the fundamental aspects.

Four, Retail Investor Opportunity 3: Exchange Platform Play

In recent years, Binance has launched various activities such as Launchpad, Launchpool, Megadrop, most of which are related to BNB. In fact, utilizing exchange platform plays effectively transforms BNB from a simple investment asset into a tool for obtaining diversified returns, allowing you to benefit from both the appreciation of BNB itself and additional gains.

The table below summarizes several mainstream Binance new listing and mining activities, helping you choose the right money-making path based on your own situation.

You can choose a suitable strategy based on your capital size and time commitment:

Steady Holder Type: If you have substantial funds and are not willing to spend too much effort, you can adopt the "BNB Holder Party" strategy. That is, hold a certain amount of BNB for the long term and actively participate in Launchpool as well as occasional HODLer airdrop activities. This strategy focuses on coin staking, with returns coming from both the appreciation of BNB and airdropped new coins.

Active Participation Type: If you have limited funds but plenty of time, and are good at hands-on activities, you can try the "Alpha Points Party" route, aiming to reach the airdrop/TGE, Pre-TGE, Booster points threshold. Exit promptly after completing the tasks to lock in gains. It is important to emphasize that this strategy must calculate costs to avoid losses due to high transaction fees and slippage expenses.

In addition to the main activities mentioned above, Binance also provides various benefits for BNB holders such as VIP levels, fee discounts, coin voting, Binance Pay cashback, etc. For example, in Binance spot and futures trading, using BNB to offset fees can enjoy discounts. Furthermore, BNB holders can also participate in some exclusive financial products offered in Binance Earn, achieving multiple benefits overlap.

Five, Retail Investor Opportunity 4: Holding BNB, Deflationary Dividend, and Tokenomics

Regardless of the type of gameplay involved, most paths ultimately come back to holding BNB. The reason why holding BNB is favored by many lies in the core feature of the BNB deflationary tokenomics, making it the only deflationary token among the top market cap tokens. As of July 2025, approximately over 60 million BNB have been burned (~31% of the initial supply), reducing the circulating supply from 2 billion to around 139 million tokens. It is estimated that BNB will reach a constant supply target of 100 million tokens in the next few years.

Source: bnbburn.info, Binance Research

Automatic Burn Mechanism: BNB's initial burn method was based on Binance exchange's BNB trading volume. Starting from the fourth quarter of 2021, a brand-new automatic burn algorithm was introduced, which adjusts dynamically based on the BNB price and the number of blocks produced on the BNB Chain. For example, in the most recent 32nd BNB quarterly burn, a total of 1,595,599.78 BNB were burned, valued at approximately $10.24 billion at the time of execution.

The formula for the automatic burn mechanism is shown in the diagram below. Where B represents the amount of BNB to be burned in this quarter, N represents the total number of blocks produced on the BNB Chain in this quarter (determined by a fixed block time), P represents the average price of BNB, and K is a constant (currently set to 250 after a hard fork upgrade). From the formula, it can be seen that the higher the price, the less is burned, and vice versa. The essence of this mechanism is to increase deflationary pressure in a bear market by reducing circulation to maintain the value anchor of BNB, while automatically reducing the burning intensity in a bull market to avoid excessive supply constriction.

Real-Time Burn Mechanism: In addition to the quarterly centralized burn, BNB Chain introduced the BEP-95 protocol in 2021 to achieve on-chain real-time burning. A fixed proportion of the Gas fees paid for each BNB Chain transaction on the platform is directly burned. The more prosperous BNB becomes, the more is burned. In the long run, the growth in on-chain activity will also drive an increase in transaction volume, thereby triggering more real-time burns.

For retail investors, BNB's deflation means increased scarcity. Assuming demand remains stable or grows, a reduction in supply will raise the intrinsic value of each token. This is similar to publicly traded companies continuously buying back shares to increase earnings per share and net assets, which in turn benefits the stock price. It is worth noting that the BNB supply is capped at around 1 billion coins and will not be infinitely reduced to avoid impacting network security. Hence, as it approaches 1 billion coins, it is necessary to consider whether to adjust policies, such as transitioning to maintaining a constant inflation rate. However, at least for the next few years, the deflationary trend is clear.

VI. BNB Value Reassessment and Future Outlook

With institutional entry, traditional financial institutions are also reassessing the value of BNB. For example, Standard Chartered Bank stated in a report in May of this year that they expect the BNB price to double by the end of 2025, reaching around $1,275, and is expected to further rise to around $2,775 by the end of 2028.

Source: Standard Chartered Bank (For reference only)

In addition, BNB's development in the payment field will also provide an additional support level for its value, further driving the upward adjustment of the market's valuation model. Binance's payment application, Binance Pay, has been globally promoted, with BNB as one of the key settlement currencies. Data shows that Binance Pay has processed 3 billion transactions to date, with a total transaction volume of $230 billion, a significant portion of which is conducted using BNB. For example, in the Riviera region of France, Binance has partnered with fintech company Lyzi to enable over 80 local merchants to accept crypto payments, including various currencies such as BNB. If this trend continues, the demand for BNB will come not only from investment and trading but also from real-world commercial circulation.

Overall, as of the middle of 2025, BNB is in an upward channel of value reassessment. The institutional accumulation has endowed it with the narrative of "digital gold reserve," ecosystem prosperity has endowed it with the narrative of "leading public chain," and payment expansion has endowed it with the narrative of "utility currency." With multiple narratives stacking up, BNB has the imagination space for further market capitalization growth. At the same time, one should also maintain rationality, as the long-term value of BNB ultimately depends on whether the ecosystem can continue to Build and innovate in the ever-changing market.

7. Conclusion

From its initial days as a platform token to a popular public chain token, and now becoming a crypto asset allocated by traditional institutional investors, BNB's evolution also reflects the maturity of the crypto industry. Under the wave of institutional accumulation, retail investors can participate in and benefit from BNB's value growth through on-chain deep involvement, layout of related concept stocks, participation in exchange platform activities, and holding BNB, among other various methods. As the slogan goes, "Build and Build," BNB's value will be shaped by collective participation of everyone. Looking ahead, with the joint efforts of institutions and retail investors, can BNB usher in a new era of innovative gold? Let's wait and see together.

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