1月22日，趙長鵬於達沃斯世界經濟論壇2026年年會中表示，更高效、成本更低的技術本身不會創造風險，僅會加速暴露問題。銀行面臨風險的根本原因，在於「部分準備金製度」的系統性設計。趙長鵬以幣安為例指出，2023年12月幣安曾面臨單日最高70億美元的資產贖回需求，該周更累計處理140億美元的贖回申請，期間未發生任何問題。他認為，任何採行部分準備金製度的銀行，皆難以在應對此類規模的流動性壓力時維持穩定。

On January 22, at the 2026 Annual Meeting of the World Economic Forum in Davos, Changpeng Zhao stated that faster and lower-cost technologies do not in themselves create risks, but merely expose problems more quickly. The fundamental reason for the risks facing banks lies in the systemic design of the fractional reserve system. Taking Binance as an example, Zhao noted that the platform faced a record single-day asset withdrawal demand of $7 billion in December 2023, and processed a cumulative $14 billion in withdrawal requests that week without any issues whatsoever. He argued that any bank operating under the fractional reserve system would struggle to remain stable when handling liquidity pressure of such scale.