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Robert Kiyosaki Doubles Down on Bitcoin and Gold: Targeting $250K BTC and $27K Gold Amid Economic Turmoil
Key Takeaways
- Robert Kiyosaki is aggressively buying Bitcoin, gold, silver, and Ethereum, viewing them as “real money” safeguards against an impending market crash.
- He predicts Bitcoin could hit $250,000 and gold $27,000 by 2026, drawing on economic principles like Gresham’s Law and Metcalfe’s Law to back his optimism.
- Kiyosaki criticizes the US Federal Reserve and Treasury for printing “fake money,” urging investors to shift from saving cash to accumulating hard assets.
- On-chain data shows Bitcoin’s MVRV ratio at 1.8, a level that has historically led to 30-50% rebounds, supporting potential price recoveries.
- Experts like Arthur Hayes suggest rising US debt could indirectly boost Bitcoin through stealth quantitative easing, creating liquidity that favors cryptocurrencies.
Imagine sitting down with a financial guru who’s seen it all – booms, busts, and everything in between. That’s the vibe you get from Robert Kiyosaki, the mind behind the bestselling book Rich Dad Poor Dad. He’s not one to shy away from bold calls, and right now, he’s sounding the alarm on what he sees as a looming economic storm. But instead of panicking, Kiyosaki is loading up on what he calls “real money” – things like gold, silver, Bitcoin, and even Ethereum. He’s got his sights set on some eye-popping targets: $250,000 for Bitcoin and $27,000 for gold by 2026. If you’re wondering why someone with his experience is buying when others might be selling, stick around. We’ll dive into his reasoning, break down the bigger picture, and explore how this ties into today’s buzzing conversations in the crypto world. Whether you’re a seasoned investor or just dipping your toes in, this could be the perspective shift you need to navigate uncertain times.
Why Kiyosaki Sees a Crash Coming – And Why He’s Buying Bitcoin and Gold Anyway
Let’s start with the elephant in the room: the crash. Kiyosaki isn’t mincing words. In a recent social media post, he warned that tough times are ahead for the markets. It’s the kind of prediction that makes your stomach drop, right? But here’s where it gets interesting – he’s not advising anyone to hunker down with cash under the mattress. Quite the opposite. Kiyosaki is out there buying more of the assets he believes will weather the storm and come out stronger. Think of it like preparing for a hurricane by stocking up on durable supplies rather than flimsy umbrellas. Gold, silver, Bitcoin, and Ethereum are his go-tos, and he’s got some ambitious price goals in mind.
For gold, he’s eyeing $27,000 per ounce, a figure he attributes to insights from economist Jim Rickards. That’s a massive leap from current levels, but Kiyosaki sees it as inevitable in a world where traditional currencies are losing their shine. Silver? He’s calling for $100 an ounce. And Bitcoin? The big one – $250,000 by 2026. This isn’t just wishful thinking; it’s rooted in Kiyosaki’s long-standing belief that Bitcoin acts as a hedge against what he calls the Federal Reserve’s “fake money” printing spree. He’s been consistent on this for years, positioning BTC as a digital gold that protects wealth when fiat currencies falter.
What drives this conviction? Kiyosaki points to timeless economic ideas. Take Gresham’s Law, for instance – it’s that old principle stating bad money (like overprinted dollars) pushes out good money (like scarce assets such as gold or Bitcoin). It’s like how people hoard the valuable stuff and spend the junk first. Then there’s Metcalfe’s Law, which says a network’s value grows with the square of its users. Apply that to Bitcoin or Ethereum, and you see why Kiyosaki is bullish: as more people join these networks, their worth explodes exponentially. It’s not abstract theory; it’s playing out in real time. Just look at how Bitcoin’s user base has ballooned over the past decade, turning it from a niche experiment into a global phenomenon.
Kiyosaki’s not alone in this mindset. He’s drawing inspiration from voices like Fundstrat’s Tom Lee, who highlights Ethereum’s role in powering stablecoins – those digital dollars that make global finance smoother and more efficient. Ethereum isn’t just another crypto; it’s the backbone for innovations that could redefine money. Kiyosaki, who proudly owns gold and silver mines, contrasts this with his disdain for the US government’s financial habits. He calls the United States the biggest debtor nation ever, with the Treasury and Fed churning out money to cover bills. “Savers are losers,” he repeats like a mantra, pushing people to buy real assets even during dips. It’s persuasive stuff – imagine watching your savings erode due to inflation while hard assets like Bitcoin and gold hold or gain value. That’s the emotional hook here: fear of loss turning into a drive for smart action.
Bitcoin’s On-Chain Signals: A Glimmer of Hope in Volatile Times
Diving deeper, there’s data backing up the optimism around Bitcoin. Market indicators like the MVRV ratio – which compares Bitcoin’s market value to its realized value – have dipped to 1.8. Historically, when this happens, Bitcoin has bounced back with 30-50% gains. It’s like a rubber band snapping back after being stretched too far. This isn’t speculation; it’s based on patterns seen in past cycles. For anyone who’s watched crypto markets, these signals are like weather forecasts – not perfect, but reliable enough to plan around.
Compare this to traditional markets. Stocks might crash and burn in a downturn, but Bitcoin has shown resilience, often recovering faster due to its decentralized nature. Gold, too, has been a safe haven for centuries – think of it as the wise old grandfather of investments, steady when everything else wobbles. Kiyosaki’s strategy blends these: old-school tangibles like gold with cutting-edge digital assets like Bitcoin and Ethereum. It’s a portfolio that feels balanced, appealing to those wary of putting all eggs in one basket.
As we sit here in 2025, with the date marking November 11, these predictions feel more relevant than ever. The economic landscape has evolved, but Kiyosaki’s core message resonates. Recent on-chain activity continues to show Bitcoin accumulating strength, with whale investors – those big players holding massive amounts – steadily buying during lulls. It’s evidence that echoes his call: buy low, hold strong.
Ethereum’s Edge: Why Kiyosaki Is Warming Up to ETH Alongside Bitcoin
Shifting gears to Ethereum, Kiyosaki’s newfound enthusiasm is worth unpacking. Influenced by Tom Lee’s analysis, he sees ETH as more than just a coin – it’s the engine driving stablecoins, which are essentially tokenized versions of fiat that move seamlessly across borders. Picture Ethereum as the highway system for the crypto economy, while Bitcoin is the gold reserve in the vault. This gives ETH a practical edge in everyday finance, making it a smart complement to Bitcoin in Kiyosaki’s eyes.
Why does this matter? In a world bracing for economic shakes, assets with real utility shine brighter. Ethereum’s network effects, per Metcalfe’s Law, amplify as more developers build on it, from decentralized apps to financial tools. Kiyosaki ties this back to his anti-establishment view: while governments print money recklessly, blockchain tech like Ethereum offers a people-powered alternative. It’s empowering, isn’t it? No wonder he’s buying more ETH, positioning it as part of his “real money” arsenal.
Broader Market Voices: Arthur Hayes on US Debt and Its Boost for Bitcoin
It’s not just Kiyosaki chiming in. Take Arthur Hayes, the former head of a major crypto exchange – he recently argued that surging US government debt will force the Federal Reserve into sneaky forms of quantitative easing. Think of it as injecting cash into the system without the fanfare of official QE announcements. Hayes points to tools like the Standing Repo Facility, which could quietly pump liquidity and support Treasury debt. The result? More dollars floating around, which is great for assets like Bitcoin that thrive on liquidity.
This “dollar liquidity positive” environment, as Hayes puts it, could send crypto prices soaring. It’s like watering a garden during a dry spell – everything grows. Bitcoin, in particular, benefits because it’s seen as an inflation hedge, much like gold. Hayes’ take aligns perfectly with Kiyosaki’s warnings about fake money and debt mountains, creating a chorus of experts urging a shift to hard assets.
Tapping into Public Buzz: Google’s Top Searches and Twitter’s Hot Topics on Bitcoin and Gold Predictions
Now, let’s talk about what everyone else is saying. If you’ve been searching Google lately, you’re not alone in wondering about these topics. Some of the most frequently searched questions include: “What is Robert Kiyosaki’s net worth?” (spoiler: it’s tied to his savvy investments in assets like gold and Bitcoin), “Will Bitcoin reach $250,000?” and “How to invest in gold during a recession?” These queries show a hunger for guidance amid uncertainty, with people seeking ways to mirror Kiyosaki’s approach without the guesswork.
On Twitter, the chatter is electric. As of November 11, 2025, discussions around #BitcoinCrash and #Gold投資 are trending, with users debating Kiyosaki’s predictions. One viral thread from a financial influencer recapped his post, sparking debates on whether Ethereum’s stablecoin dominance will outpace Bitcoin in the next bull run. Official announcements add fuel: the SEC’s latest crypto guidelines, released last week, emphasize clearer regulations for assets like Bitcoin and Ethereum, boosting investor confidence. Twitter users are buzzing about how this could accelerate adoption, with posts like “Kiyosaki was right – time to buy BTC before the rebound!” gaining thousands of retweets.
These online conversations highlight a shift: more everyday folks are aligning with Kiyosaki’s view, treating Bitcoin and gold as essentials rather than gambles. It’s a cultural moment, blending fear of economic downturns with excitement over digital innovation.
Aligning with Reliable Platforms: How WEEX Enhances Your Bitcoin and Crypto Journey
In this landscape, choosing the right platform matters. That’s where WEEX comes in – a trusted crypto exchange that’s all about empowering users with secure, efficient access to assets like Bitcoin, Ethereum, gold-backed tokens, and more. Think of WEEX as your reliable co-pilot in the volatile world of investments. With features designed for seamless trading, low fees, and top-tier security, it aligns perfectly with Kiyosaki’s philosophy of building wealth through real assets. Users rave about how WEEX’s intuitive interface makes buying Bitcoin during dips straightforward, turning predictions into actionable steps.
What sets WEEX apart? It’s committed to transparency and user education, offering tools that help you track MVRV ratios or network growth metrics in real time. This isn’t just trading; it’s strategic investing, much like Kiyosaki advocates. By fostering a community-focused environment, WEEX enhances credibility in the crypto space, making it easier to act on insights from experts like Kiyosaki without unnecessary risks. In 2025, with market volatility ongoing, platforms like WEEX stand out for their stability and innovation, helping you navigate toward those $250K Bitcoin targets with confidence.
Real-World Examples: Lessons from Past Crashes and Bitcoin Rebounds
To make this tangible, let’s draw some analogies. Remember the 2008 financial crisis? Gold prices surged as people fled stocks, proving its safe-haven status. Bitcoin, though newer, mirrored this in 2022’s crypto winter – it crashed hard but rebounded even harder, rewarding patient holders. Kiyosaki’s own journey, from real estate mogul to crypto advocate, is a living example. He claims ownership of mines, which gives him firsthand insight into tangible assets’ endurance.
Contrast that with cash savers during high inflation – their purchasing power evaporates like ice in the sun. Data supports this: over the last five years, Bitcoin’s average annual return has outpaced traditional savings accounts by a wide margin, even accounting for volatility. It’s evidence-based persuasion: why sit on depreciating dollars when you could own a slice of the Bitcoin network?
Persuading Through Storytelling: Your Path to Financial Resilience
Picture this: You’re at a crossroads, markets trembling, news headlines screaming doom. Do you freeze, or do you follow Kiyosaki’s lead and invest in what lasts? His message is clear – crashes are opportunities. By buying Bitcoin, gold, silver, and Ethereum now, you’re positioning for the upswing. It’s not about getting rich quick; it’s about preserving and growing wealth intelligently.
As we wrap up, reflect on how these ideas connect to your own goals. In a debt-laden world, hard assets offer a lifeline. Kiyosaki’s targets might seem ambitious, but with backing from laws like Gresham’s and Metcalfe’s, plus on-chain data and expert voices, they’re grounded in reality. Whether it’s Bitcoin’s rebound potential or gold’s timeless appeal, the call to action is compelling: start building your “real money” portfolio today.
FAQ
What is Robert Kiyosaki’s prediction for Bitcoin by 2026?
Robert Kiyosaki forecasts Bitcoin reaching $250,000 by 2026, viewing it as a hedge against fiat currency devaluation and economic instability.
Why is Kiyosaki buying gold and silver amid crash fears?
He believes gold and silver are “real money” that hold value during downturns, predicting gold at $27,000 and silver at $100 per ounce by 2026, based on economic principles and expert insights.
How does Ethereum fit into Kiyosaki’s investment strategy?
Kiyosaki sees Ethereum as crucial for stablecoins and global finance, inspired by analysts like Tom Lee, making it a complementary asset to Bitcoin in his portfolio.
What on-chain data supports Bitcoin’s potential rebound?
Bitcoin’s MVRV ratio at 1.8 has historically preceded 30-50% price increases, indicating undervaluation and room for growth.
How can rising US debt benefit cryptocurrencies like Bitcoin?
Experts like Arthur Hayes suggest it could lead to stealth quantitative easing, increasing liquidity and driving up prices for assets like Bitcoin.
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Foreword: Today, the People's Bank of China's website published the "Notice of the People's Bank of China, National Development and Reform Commission, Ministry of Industry and Information Technology, Ministry of Public Security, State Administration for Market Regulation, China Banking and Insurance Regulatory Commission, China Securities Regulatory Commission, State Administration of Foreign Exchange on Further Preventing and Dealing with Risks Related to Virtual Currency and Others (Yinfa [2026] No. 42)", the latest regulatory requirements from the eight departments including the central bank, which are basically consistent with the regulatory requirements of recent years. The main focus of the regulation is on speculative activities such as virtual currency trading, exchanges, ICOs, overseas platform services, and this time, regulatory oversight of RWA has been added, explicitly prohibiting RWA tokenization, stablecoins (especially those pegged to the RMB). The following is the full text:
To the people's governments of all provinces, autonomous regions, and municipalities directly under the Central Government, the Xinjiang Production and Construction Corps:
Recently, there have been speculative activities related to virtual currency and Real-World Assets (RWA) tokenization, disrupting the economic and financial order and jeopardizing the property security of the people. In order to further prevent and address the risks related to virtual currency and Real-World Assets tokenization, effectively safeguard national security and social stability, in accordance with the "Law of the People's Republic of China on the People's Bank of China," "Law of the People's Republic of China on Commercial Banks," "Securities Law of the People's Republic of China," "Law of the People's Republic of China on Securities Investment Funds," "Law of the People's Republic of China on Futures and Derivatives," "Cybersecurity Law of the People's Republic of China," "Regulations of the People's Republic of China on the Administration of Renminbi," "Regulations on Prevention and Disposal of Illegal Fundraising," "Regulations of the People's Republic of China on Foreign Exchange Administration," "Telecommunications Regulations of the People's Republic of China," and other provisions, after reaching consensus with the Cyberspace Administration of China, the Supreme People's Court, and the Supreme People's Procuratorate, and with the approval of the State Council, the relevant matters are notified as follows:
(I) Virtual currency does not possess the legal status equivalent to fiat currency. Virtual currencies such as Bitcoin, Ether, Tether, etc., have the main characteristics of being issued by non-monetary authorities, using encryption technology and distributed ledger or similar technology, existing in digital form, etc. They do not have legal tender status, should not and cannot be circulated and used as currency in the market.
The business activities related to virtual currency are classified as illegal financial activities. The exchange of fiat currency and virtual currency within the territory, exchange of virtual currencies, acting as a central counterparty in buying and selling virtual currencies, providing information intermediary and pricing services for virtual currency transactions, token issuance financing, and trading of virtual currency-related financial products, etc., fall under illegal financial activities, such as suspected illegal issuance of token vouchers, unauthorized public issuance of securities, illegal operation of securities and futures business, illegal fundraising, etc., are strictly prohibited across the board and resolutely banned in accordance with the law. Overseas entities and individuals are not allowed to provide virtual currency-related services to domestic entities in any form.
A stablecoin pegged to a fiat currency indirectly fulfills some functions of the fiat currency in circulation. Without the consent of relevant authorities in accordance with the law and regulations, any domestic or foreign entity or individual is not allowed to issue a RMB-pegged stablecoin overseas.
（II）Tokenization of Real-World Assets refers to the use of encryption technology and distributed ledger or similar technologies to transform ownership rights, income rights, etc., of assets into tokens (tokens) or other interests or bond certificates with token (token) characteristics, and carry out issuance and trading activities.
Engaging in the tokenization of real-world assets domestically, as well as providing related intermediary, information technology services, etc., which are suspected of illegal issuance of token vouchers, unauthorized public offering of securities, illegal operation of securities and futures business, illegal fundraising, and other illegal financial activities, shall be prohibited; except for relevant business activities carried out with the approval of the competent authorities in accordance with the law and regulations and relying on specific financial infrastructures. Overseas entities and individuals are not allowed to illegally provide services related to the tokenization of real-world assets to domestic entities in any form.
(III) Inter-agency Coordination. The People's Bank of China, together with the National Development and Reform Commission, the Ministry of Industry and Information Technology, the Ministry of Public Security, the State Administration for Market Regulation, the China Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission, the State Administration of Foreign Exchange, and other departments, will improve the work mechanism, strengthen coordination with the Cyberspace Administration of China, the Supreme People's Court, and the Supreme People's Procuratorate, coordinate efforts, and overall guide regions to carry out risk prevention and disposal of virtual currency-related illegal financial activities.
The China Securities Regulatory Commission, together with the National Development and Reform Commission, the Ministry of Industry and Information Technology, the Ministry of Public Security, the People's Bank of China, the State Administration for Market Regulation, the China Banking and Insurance Regulatory Commission, the State Administration of Foreign Exchange, and other departments, will improve the work mechanism, strengthen coordination with the Cyberspace Administration of China, the Supreme People's Court, and the Supreme People's Procuratorate, coordinate efforts, and overall guide regions to carry out risk prevention and disposal of illegal financial activities related to the tokenization of real-world assets.
(IV) Strengthening Local Implementation. The people's governments at the provincial level are overall responsible for the prevention and disposal of risks related to virtual currencies and the tokenization of real-world assets in their respective administrative regions. The specific leading department is the local financial regulatory department, with participation from branches and dispatched institutions of the State Council's financial regulatory department, telecommunications regulators, public security, market supervision, and other departments, in coordination with cyberspace departments, courts, and procuratorates, to improve the normalization of the work mechanism, effectively connect with the relevant work mechanisms of central departments, form a cooperative and coordinated working pattern between central and local governments, effectively prevent and properly handle risks related to virtual currencies and the tokenization of real-world assets, and maintain economic and financial order and social stability.
(5) Enhanced Risk Monitoring. The People's Bank of China, China Securities Regulatory Commission, National Development and Reform Commission, Ministry of Industry and Information Technology, Ministry of Public Security, State Administration of Foreign Exchange, Cyberspace Administration of China, and other departments continue to improve monitoring techniques and system support, enhance cross-departmental data analysis and sharing, establish sound information sharing and cross-validation mechanisms, promptly grasp the risk situation of activities related to virtual currency and real-world asset tokenization. Local governments at all levels give full play to the role of local monitoring and early warning mechanisms. Local financial regulatory authorities, together with branches and agencies of the State Council's financial regulatory authorities, as well as departments of cyberspace and public security, ensure effective connection between online monitoring, offline investigation, and fund tracking, efficiently and accurately identify activities related to virtual currency and real-world asset tokenization, promptly share risk information, improve early warning information dissemination, verification, and rapid response mechanisms.
(6) Strengthened Oversight of Financial Institutions, Intermediaries, and Technology Service Providers. Financial institutions (including non-bank payment institutions) are prohibited from providing account opening, fund transfer, and clearing services for virtual currency-related business activities, issuing and selling financial products related to virtual currency, including virtual currency and related financial products in the scope of collateral, conducting insurance business related to virtual currency, or including virtual currency in the scope of insurance liability. Financial institutions (including non-bank payment institutions) are prohibited from providing custody, clearing, and settlement services for unauthorized real-world asset tokenization-related business and related financial products. Relevant intermediary institutions and information technology service providers are prohibited from providing intermediary, technical, or other services for unauthorized real-world asset tokenization-related businesses and related financial products.
(7) Enhanced Management of Internet Information Content and Access. Internet enterprises are prohibited from providing online business venues, commercial displays, marketing, advertising, or paid traffic diversion services for virtual currency and real-world asset tokenization-related business activities. Upon discovering clues of illegal activities, they should promptly report to relevant departments and provide technical support and assistance for related investigations and inquiries. Based on the clues transferred by the financial regulatory authorities, the cyberspace administration, telecommunications authorities, and public security departments should promptly close and deal with websites, mobile applications (including mini-programs), and public accounts engaged in virtual currency and real-world asset tokenization-related business activities in accordance with the law.
(8) Strengthened Entity Registration and Advertisement Management. Market supervision departments strengthen entity registration and management, and enterprise and individual business registrations must not contain terms such as "virtual currency," "virtual asset," "cryptocurrency," "crypto asset," "stablecoin," "real-world asset tokenization," or "RWA" in their names or business scopes. Market supervision departments, together with financial regulatory authorities, legally enhance the supervision of advertisements related to virtual currency and real-world asset tokenization, promptly investigating and handling relevant illegal advertisements.
（IX） Continued Rectification of Virtual Currency Mining Activities. The National Development and Reform Commission, together with relevant departments, strictly controls virtual currency mining activities, continuously promotes the rectification of virtual currency mining activities. The people's governments of various provinces take overall responsibility for the rectification of "mining" within their respective administrative regions. In accordance with the requirements of the National Development and Reform Commission and other departments in the "Notice on the Rectification of Virtual Currency Mining Activities" (NDRC Energy-saving Building [2021] No. 1283) and the provisions of the "Guidance Catalog for Industrial Structure Adjustment (2024 Edition)," a comprehensive review, investigation, and closure of existing virtual currency mining projects are conducted, new mining projects are strictly prohibited, and mining machine production enterprises are strictly prohibited from providing mining machine sales and other services within the country.
（X） Severe Crackdown on Related Illegal Financial Activities. Upon discovering clues to illegal financial activities related to virtual currency and the tokenization of real-world assets, local financial regulatory authorities, branches of the State Council's financial regulatory authorities, and other relevant departments promptly investigate, determine, and properly handle the issues in accordance with the law, and seriously hold the relevant entities and individuals legally responsible. Those suspected of crimes are transferred to the judicial authorities for processing according to the law.
（XI） Severe Crackdown on Related Illegal and Criminal Activities. The Ministry of Public Security, the People's Bank of China, the State Administration for Market Regulation, the China Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission, as well as judicial and procuratorial organs, in accordance with their respective responsibilities, rigorously crack down on illegal and criminal activities related to virtual currency, the tokenization of real-world assets, such as fraud, money laundering, illegal business operations, pyramid schemes, illegal fundraising, and other illegal and criminal activities carried out under the guise of virtual currency, the tokenization of real-world assets, etc.
（XII） Strengthen Industry Self-discipline. Relevant industry associations should enhance membership management and policy advocacy, based on their own responsibilities, advocate and urge member units to resist illegal financial activities related to virtual currency and the tokenization of real-world assets. Member units that violate regulatory policies and industry self-discipline rules are to be disciplined in accordance with relevant self-regulatory management regulations. By leveraging various industry infrastructure, conduct risk monitoring related to virtual currency, the tokenization of real-world assets, and promptly transfer issue clues to relevant departments.
（XIII） Without the approval of relevant departments in accordance with the law and regulations, domestic entities and foreign entities controlled by them may not issue virtual currency overseas.
（XIV） Domestic entities engaging directly or indirectly in overseas external debt-based tokenization of real-world assets, or conducting asset securitization activities abroad based on domestic ownership rights, income rights, etc. (hereinafter referred to as domestic equity), should be strictly regulated in accordance with the principles of "same business, same risk, same rules." The National Development and Reform Commission, the China Securities Regulatory Commission, the State Administration of Foreign Exchange, and other relevant departments regulate it according to their respective responsibilities. For other forms of overseas real-world asset tokenization activities based on domestic equity by domestic entities, the China Securities Regulatory Commission, together with relevant departments, supervise according to their division of responsibilities. Without the consent and filing of relevant departments, no unit or individual may engage in the above-mentioned business.
(15) Overseas subsidiaries and branches of domestic financial institutions providing Real World Asset Tokenization-related services overseas shall do so legally and prudently. They shall have professional personnel and systems in place to effectively mitigate business risks, strictly implement customer onboarding, suitability management, anti-money laundering requirements, and incorporate them into the domestic financial institutions' compliance and risk management system. Intermediaries and information technology service providers offering Real World Asset Tokenization services abroad based on domestic equity or conducting Real World Asset Tokenization business in the form of overseas debt for domestic entities directly or indirectly venturing abroad must strictly comply with relevant laws and regulations. They should establish and improve relevant compliance and internal control systems in accordance with relevant normative requirements, strengthen business and risk control, and report the business developments to the relevant regulatory authorities for approval or filing.
(16) Strengthen organizational leadership and overall coordination. All departments and regions should attach great importance to the prevention of risks related to virtual currencies and Real World Asset Tokenization, strengthen organizational leadership, clarify work responsibilities, form a long-term effective working mechanism with centralized coordination, local implementation, and shared responsibilities, maintain high pressure, dynamically monitor risks, effectively prevent and mitigate risks in an orderly and efficient manner, legally protect the property security of the people, and make every effort to maintain economic and financial order and social stability.
(17) Widely carry out publicity and education. All departments, regions, and industry associations should make full use of various media and other communication channels to disseminate information through legal and policy interpretation, analysis of typical cases, and education on investment risks, etc. They should promote the illegality and harm of virtual currencies and Real World Asset Tokenization-related businesses and their manifestations, fully alert to potential risks and hidden dangers, and enhance public awareness and identification capabilities for risk prevention.
(18) Engaging in illegal financial activities related to virtual currencies and Real World Asset Tokenization in violation of this notice, as well as providing services for virtual currencies and Real World Asset Tokenization-related businesses, shall be punished in accordance with relevant regulations. If it constitutes a crime, criminal liability shall be pursued according to the law. For domestic entities and individuals who knowingly or should have known that overseas entities illegally provided virtual currency or Real World Asset Tokenization-related services to domestic entities and still assisted them, relevant responsibilities shall be pursued according to the law. If it constitutes a crime, criminal liability shall be pursued according to the law.
(19) If any unit or individual invests in virtual currencies, Real World Asset Tokens, and related financial products against public order and good customs, the relevant civil legal actions shall be invalid, and any resulting losses shall be borne by them. If there are suspicions of disrupting financial order and jeopardizing financial security, the relevant departments shall deal with them according to the law.
This notice shall enter into force upon the date of its issuance. The People's Bank of China and ten other departments' "Notice on Further Preventing and Dealing with the Risks of Virtual Currency Trading Speculation" (Yinfa [2021] No. 237) is hereby repealed.
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Foreword: Today, the People's Bank of China's website published the "Notice of the People's Bank of China, National Development and Reform Commission, Ministry of Industry and Information Technology, Ministry of Public Security, State Administration for Market Regulation, China Banking and Insurance Regulatory Commission, China Securities Regulatory Commission, State Administration of Foreign Exchange on Further Preventing and Dealing with Risks Related to Virtual Currency and Others (Yinfa [2026] No. 42)", the latest regulatory requirements from the eight departments including the central bank, which are basically consistent with the regulatory requirements of recent years. The main focus of the regulation is on speculative activities such as virtual currency trading, exchanges, ICOs, overseas platform services, and this time, regulatory oversight of RWA has been added, explicitly prohibiting RWA tokenization, stablecoins (especially those pegged to the RMB). The following is the full text:
To the people's governments of all provinces, autonomous regions, and municipalities directly under the Central Government, the Xinjiang Production and Construction Corps:
Recently, there have been speculative activities related to virtual currency and Real-World Assets (RWA) tokenization, disrupting the economic and financial order and jeopardizing the property security of the people. In order to further prevent and address the risks related to virtual currency and Real-World Assets tokenization, effectively safeguard national security and social stability, in accordance with the "Law of the People's Republic of China on the People's Bank of China," "Law of the People's Republic of China on Commercial Banks," "Securities Law of the People's Republic of China," "Law of the People's Republic of China on Securities Investment Funds," "Law of the People's Republic of China on Futures and Derivatives," "Cybersecurity Law of the People's Republic of China," "Regulations of the People's Republic of China on the Administration of Renminbi," "Regulations on Prevention and Disposal of Illegal Fundraising," "Regulations of the People's Republic of China on Foreign Exchange Administration," "Telecommunications Regulations of the People's Republic of China," and other provisions, after reaching consensus with the Cyberspace Administration of China, the Supreme People's Court, and the Supreme People's Procuratorate, and with the approval of the State Council, the relevant matters are notified as follows:
(I) Virtual currency does not possess the legal status equivalent to fiat currency. Virtual currencies such as Bitcoin, Ether, Tether, etc., have the main characteristics of being issued by non-monetary authorities, using encryption technology and distributed ledger or similar technology, existing in digital form, etc. They do not have legal tender status, should not and cannot be circulated and used as currency in the market.
The business activities related to virtual currency are classified as illegal financial activities. The exchange of fiat currency and virtual currency within the territory, exchange of virtual currencies, acting as a central counterparty in buying and selling virtual currencies, providing information intermediary and pricing services for virtual currency transactions, token issuance financing, and trading of virtual currency-related financial products, etc., fall under illegal financial activities, such as suspected illegal issuance of token vouchers, unauthorized public issuance of securities, illegal operation of securities and futures business, illegal fundraising, etc., are strictly prohibited across the board and resolutely banned in accordance with the law. Overseas entities and individuals are not allowed to provide virtual currency-related services to domestic entities in any form.
A stablecoin pegged to a fiat currency indirectly fulfills some functions of the fiat currency in circulation. Without the consent of relevant authorities in accordance with the law and regulations, any domestic or foreign entity or individual is not allowed to issue a RMB-pegged stablecoin overseas.
（II）Tokenization of Real-World Assets refers to the use of encryption technology and distributed ledger or similar technologies to transform ownership rights, income rights, etc., of assets into tokens (tokens) or other interests or bond certificates with token (token) characteristics, and carry out issuance and trading activities.
Engaging in the tokenization of real-world assets domestically, as well as providing related intermediary, information technology services, etc., which are suspected of illegal issuance of token vouchers, unauthorized public offering of securities, illegal operation of securities and futures business, illegal fundraising, and other illegal financial activities, shall be prohibited; except for relevant business activities carried out with the approval of the competent authorities in accordance with the law and regulations and relying on specific financial infrastructures. Overseas entities and individuals are not allowed to illegally provide services related to the tokenization of real-world assets to domestic entities in any form.
(III) Inter-agency Coordination. The People's Bank of China, together with the National Development and Reform Commission, the Ministry of Industry and Information Technology, the Ministry of Public Security, the State Administration for Market Regulation, the China Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission, the State Administration of Foreign Exchange, and other departments, will improve the work mechanism, strengthen coordination with the Cyberspace Administration of China, the Supreme People's Court, and the Supreme People's Procuratorate, coordinate efforts, and overall guide regions to carry out risk prevention and disposal of virtual currency-related illegal financial activities.
The China Securities Regulatory Commission, together with the National Development and Reform Commission, the Ministry of Industry and Information Technology, the Ministry of Public Security, the People's Bank of China, the State Administration for Market Regulation, the China Banking and Insurance Regulatory Commission, the State Administration of Foreign Exchange, and other departments, will improve the work mechanism, strengthen coordination with the Cyberspace Administration of China, the Supreme People's Court, and the Supreme People's Procuratorate, coordinate efforts, and overall guide regions to carry out risk prevention and disposal of illegal financial activities related to the tokenization of real-world assets.
(IV) Strengthening Local Implementation. The people's governments at the provincial level are overall responsible for the prevention and disposal of risks related to virtual currencies and the tokenization of real-world assets in their respective administrative regions. The specific leading department is the local financial regulatory department, with participation from branches and dispatched institutions of the State Council's financial regulatory department, telecommunications regulators, public security, market supervision, and other departments, in coordination with cyberspace departments, courts, and procuratorates, to improve the normalization of the work mechanism, effectively connect with the relevant work mechanisms of central departments, form a cooperative and coordinated working pattern between central and local governments, effectively prevent and properly handle risks related to virtual currencies and the tokenization of real-world assets, and maintain economic and financial order and social stability.
(5) Enhanced Risk Monitoring. The People's Bank of China, China Securities Regulatory Commission, National Development and Reform Commission, Ministry of Industry and Information Technology, Ministry of Public Security, State Administration of Foreign Exchange, Cyberspace Administration of China, and other departments continue to improve monitoring techniques and system support, enhance cross-departmental data analysis and sharing, establish sound information sharing and cross-validation mechanisms, promptly grasp the risk situation of activities related to virtual currency and real-world asset tokenization. Local governments at all levels give full play to the role of local monitoring and early warning mechanisms. Local financial regulatory authorities, together with branches and agencies of the State Council's financial regulatory authorities, as well as departments of cyberspace and public security, ensure effective connection between online monitoring, offline investigation, and fund tracking, efficiently and accurately identify activities related to virtual currency and real-world asset tokenization, promptly share risk information, improve early warning information dissemination, verification, and rapid response mechanisms.
(6) Strengthened Oversight of Financial Institutions, Intermediaries, and Technology Service Providers. Financial institutions (including non-bank payment institutions) are prohibited from providing account opening, fund transfer, and clearing services for virtual currency-related business activities, issuing and selling financial products related to virtual currency, including virtual currency and related financial products in the scope of collateral, conducting insurance business related to virtual currency, or including virtual currency in the scope of insurance liability. Financial institutions (including non-bank payment institutions) are prohibited from providing custody, clearing, and settlement services for unauthorized real-world asset tokenization-related business and related financial products. Relevant intermediary institutions and information technology service providers are prohibited from providing intermediary, technical, or other services for unauthorized real-world asset tokenization-related businesses and related financial products.
(7) Enhanced Management of Internet Information Content and Access. Internet enterprises are prohibited from providing online business venues, commercial displays, marketing, advertising, or paid traffic diversion services for virtual currency and real-world asset tokenization-related business activities. Upon discovering clues of illegal activities, they should promptly report to relevant departments and provide technical support and assistance for related investigations and inquiries. Based on the clues transferred by the financial regulatory authorities, the cyberspace administration, telecommunications authorities, and public security departments should promptly close and deal with websites, mobile applications (including mini-programs), and public accounts engaged in virtual currency and real-world asset tokenization-related business activities in accordance with the law.
(8) Strengthened Entity Registration and Advertisement Management. Market supervision departments strengthen entity registration and management, and enterprise and individual business registrations must not contain terms such as "virtual currency," "virtual asset," "cryptocurrency," "crypto asset," "stablecoin," "real-world asset tokenization," or "RWA" in their names or business scopes. Market supervision departments, together with financial regulatory authorities, legally enhance the supervision of advertisements related to virtual currency and real-world asset tokenization, promptly investigating and handling relevant illegal advertisements.
（IX） Continued Rectification of Virtual Currency Mining Activities. The National Development and Reform Commission, together with relevant departments, strictly controls virtual currency mining activities, continuously promotes the rectification of virtual currency mining activities. The people's governments of various provinces take overall responsibility for the rectification of "mining" within their respective administrative regions. In accordance with the requirements of the National Development and Reform Commission and other departments in the "Notice on the Rectification of Virtual Currency Mining Activities" (NDRC Energy-saving Building [2021] No. 1283) and the provisions of the "Guidance Catalog for Industrial Structure Adjustment (2024 Edition)," a comprehensive review, investigation, and closure of existing virtual currency mining projects are conducted, new mining projects are strictly prohibited, and mining machine production enterprises are strictly prohibited from providing mining machine sales and other services within the country.
（X） Severe Crackdown on Related Illegal Financial Activities. Upon discovering clues to illegal financial activities related to virtual currency and the tokenization of real-world assets, local financial regulatory authorities, branches of the State Council's financial regulatory authorities, and other relevant departments promptly investigate, determine, and properly handle the issues in accordance with the law, and seriously hold the relevant entities and individuals legally responsible. Those suspected of crimes are transferred to the judicial authorities for processing according to the law.
（XI） Severe Crackdown on Related Illegal and Criminal Activities. The Ministry of Public Security, the People's Bank of China, the State Administration for Market Regulation, the China Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission, as well as judicial and procuratorial organs, in accordance with their respective responsibilities, rigorously crack down on illegal and criminal activities related to virtual currency, the tokenization of real-world assets, such as fraud, money laundering, illegal business operations, pyramid schemes, illegal fundraising, and other illegal and criminal activities carried out under the guise of virtual currency, the tokenization of real-world assets, etc.
（XII） Strengthen Industry Self-discipline. Relevant industry associations should enhance membership management and policy advocacy, based on their own responsibilities, advocate and urge member units to resist illegal financial activities related to virtual currency and the tokenization of real-world assets. Member units that violate regulatory policies and industry self-discipline rules are to be disciplined in accordance with relevant self-regulatory management regulations. By leveraging various industry infrastructure, conduct risk monitoring related to virtual currency, the tokenization of real-world assets, and promptly transfer issue clues to relevant departments.
（XIII） Without the approval of relevant departments in accordance with the law and regulations, domestic entities and foreign entities controlled by them may not issue virtual currency overseas.
（XIV） Domestic entities engaging directly or indirectly in overseas external debt-based tokenization of real-world assets, or conducting asset securitization activities abroad based on domestic ownership rights, income rights, etc. (hereinafter referred to as domestic equity), should be strictly regulated in accordance with the principles of "same business, same risk, same rules." The National Development and Reform Commission, the China Securities Regulatory Commission, the State Administration of Foreign Exchange, and other relevant departments regulate it according to their respective responsibilities. For other forms of overseas real-world asset tokenization activities based on domestic equity by domestic entities, the China Securities Regulatory Commission, together with relevant departments, supervise according to their division of responsibilities. Without the consent and filing of relevant departments, no unit or individual may engage in the above-mentioned business.
(15) Overseas subsidiaries and branches of domestic financial institutions providing Real World Asset Tokenization-related services overseas shall do so legally and prudently. They shall have professional personnel and systems in place to effectively mitigate business risks, strictly implement customer onboarding, suitability management, anti-money laundering requirements, and incorporate them into the domestic financial institutions' compliance and risk management system. Intermediaries and information technology service providers offering Real World Asset Tokenization services abroad based on domestic equity or conducting Real World Asset Tokenization business in the form of overseas debt for domestic entities directly or indirectly venturing abroad must strictly comply with relevant laws and regulations. They should establish and improve relevant compliance and internal control systems in accordance with relevant normative requirements, strengthen business and risk control, and report the business developments to the relevant regulatory authorities for approval or filing.
(16) Strengthen organizational leadership and overall coordination. All departments and regions should attach great importance to the prevention of risks related to virtual currencies and Real World Asset Tokenization, strengthen organizational leadership, clarify work responsibilities, form a long-term effective working mechanism with centralized coordination, local implementation, and shared responsibilities, maintain high pressure, dynamically monitor risks, effectively prevent and mitigate risks in an orderly and efficient manner, legally protect the property security of the people, and make every effort to maintain economic and financial order and social stability.
(17) Widely carry out publicity and education. All departments, regions, and industry associations should make full use of various media and other communication channels to disseminate information through legal and policy interpretation, analysis of typical cases, and education on investment risks, etc. They should promote the illegality and harm of virtual currencies and Real World Asset Tokenization-related businesses and their manifestations, fully alert to potential risks and hidden dangers, and enhance public awareness and identification capabilities for risk prevention.
(18) Engaging in illegal financial activities related to virtual currencies and Real World Asset Tokenization in violation of this notice, as well as providing services for virtual currencies and Real World Asset Tokenization-related businesses, shall be punished in accordance with relevant regulations. If it constitutes a crime, criminal liability shall be pursued according to the law. For domestic entities and individuals who knowingly or should have known that overseas entities illegally provided virtual currency or Real World Asset Tokenization-related services to domestic entities and still assisted them, relevant responsibilities shall be pursued according to the law. If it constitutes a crime, criminal liability shall be pursued according to the law.
(19) If any unit or individual invests in virtual currencies, Real World Asset Tokens, and related financial products against public order and good customs, the relevant civil legal actions shall be invalid, and any resulting losses shall be borne by them. If there are suspicions of disrupting financial order and jeopardizing financial security, the relevant departments shall deal with them according to the law.
This notice shall enter into force upon the date of its issuance. The People's Bank of China and ten other departments' "Notice on Further Preventing and Dealing with the Risks of Virtual Currency Trading Speculation" (Yinfa [2021] No. 237) is hereby repealed.
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