Yeliz Akmaca 
As crypto markets continue to experience sharp declines, Binance is taking a significant step. The exchange announced that it will convert the stablecoin holdings in its $1 billion Secure Asset Fund for Users (SAFU) into Bitcoin over the next 30 days. The fund will also undergo regular audits to ensure transparency.
Binance pledged that if the fund’s value falls below $800 million, it will replenish it back to $1 billion. This move is framed as part of the exchange’s long-term industry development strategy.
SAFU and Conversion Details
SAFU is an emergency fund created to protect users against losses from hacks or unforeseen events. Binance plans to gradually convert the stablecoin assets into Bitcoin, committing to ongoing transparency and regular audits throughout the process.
In a post on social media platform X, Binance stated: “This initiative is part of Binance’s long-term efforts to develop the industry. We will continue to share further progress with the community over time.” As of 2025, Binance’s proof-of-reserves report showed users holding approximately $163 billion worth of crypto tokens on the platform.
Considering that users hold around $163 billion in assets on the platform in 2025, this $1 billion fund also carries significant psychological value.
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Bitcoin vs. Stablecoins
Stablecoins are digital tokens pegged to an external reference, such as the U.S. dollar. Bitcoin, by contrast, is the world’s largest cryptocurrency, with a market value exceeding $1.6 trillion. Binance’s move aims to support both user security and market liquidity through a Bitcoin-centered strategy.
Typically, emergency funds are expected to avoid market volatility. However, Binance sees an opportunity in Bitcoin, citing its market value above $1.6 trillion and its established status as digital gold.
2025 Risk Management and User Protection
In 2025, Binance helped recover $48 million from 38,648 mis-deposited assets, contributing to a total of $1.09 billion in recovered assets to date. Over the year, the exchange assisted 5.4 million users in identifying potential risks and prevented approximately $6.69 billion in fraud losses. Binance also collaborated with law enforcement globally to halt illegal activity worth $131 million.
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