Michael Saylor’s big Bitcoin idea: digital credit based on digital capital

Speaking at Abu Dhabi Financial Week on December 10, 2025, Michael Saylor said that Bitcoin is effectively digital gold and once everyone understands it for what it is, global credit will be built on it.

According to Saylor, Strategy currently acquires between $500 million and $1 billion worth of Bitcoin per week and has managed $60 billion worth of shares over the past 14 months, becoming the fifth-largest treasury in the S&P universe, on track to become the largest in about four to eight years as the same pace of accumulation continues.

According to him, the entire US Cabinet, as well as President Donald Trump and financial and non-financial regulators, support this idea. Additionally, major US banks, including skeptics such as JPMorgan, Bank of America, etc., have started to warm up to the concept and are now extending credit on Bitcoin and its derivatives.

JUST IN: Michael Saylor says he was recently approached by all the major banks to launch #Bitcoin products and services.

The banks are there pic.twitter.com/AcHQRCaP7y

– Bitcoin Magazine (@BitcoinMagazine) December 9, 2025

With all these Bitcoins amassed, Saylor claims Strategy created the world’s first credit vehicle, generating $800 million in dividends, paying dividend rates of around 10% by selling stocks, Bitcoin commodities or derivatives on public markets.

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Michael Saylor: Bitcoin is the best long-term investment

According to Saylor, Bitcoin is a better long-term investment than credit instruments. He believes crypto gold will rise 30% annually over the next twenty years.

JUSTIN: MICHAEL SAYLOR’S PREDICTIONS $BTC WILL GROW BY APPROXIMATELY 30% PER YEAR OVER THE NEXT 20 YEARS

– BSCN Headlines (@BSCNheadlines) December 10, 2025

“We are willing to give you the first 10% of that 30% and we take the rest, because over a decade that means we capture 80 to 90% of the economy and then we over-collateralize it with liquidity on a 5:1 or 10:1 collateral basis.”

He explained that banks don’t really pay much and money markets only pay about 4%. Additionally, when the Fed (Federal Reserve) changes hands, it will pay approximately 3%, all of which is taxable to investors, while Strategy distributes 10% tax-deferred dividends.

The big idea: digital credit built on digital capital. “The Investment Company Act of 1940 prevents a public company from capitalizing on securities; you need commodities. Bitcoin is that commodity,” he said.

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“The world is built on capital, it operates on credit”

Developing the idea of ​​digital credit, Saylor made a distinction between capital and credit. “If you give a three-year-old a million dollars of real estate in the city, that’s capital. You have to wait 30 years to get rich, there’s no cash flow,” he said. “You could also give them $10,000 a month, that’s credit,” he added.

“Capital is the granite that underpins New York City, credit is the buildings that generate rents, beyond the granite,” he concluded. He said most people don’t want capital, like Bitcoin, which is volatile. What people generally want is a bank account that pays them 10% forever, without the roller coaster of ups and downs that inherently comes with Bitcoin.

This is where strategy as a business comes into play. Saylor explained that the strategy removes risk by oversizing 5:1 or 10:1 and then compressing the duration so the end user gets instant gratification rather than waiting for a longer period.

During this time, the company has launched some pretty bold products. One of them is STRK, a preferred stock that pays an 8% dividend and is backed by Bitcoin. The other is STRF, a perpetual bond offering a 10% yield, designed to fuel long-term investments in digital assets.

Saylor argued that investors who believe in digital credit should buy Strategy’s common stock, adding that he views Strategy as Bitcoin’s central bank.

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Michael Saylor’s Big Bitcoin Idea: Digital Credit Built on Digital Capital appeared first on 99Bitcoins.

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