Michael Saylor is taking the Bitcoin narrative to a new level. At the Bitcoin MENA event in Abu Dhabi, the Strategy executive chairman pitched an ambitious idea: digital banking systems backed by Bitcoin reserves that could offer regulated accounts with yields far exceeding traditional deposits.
Saylor outlined a vision where countries could deploy overcollateralized Bitcoin reserves and tokenized credit instruments to create bank accounts delivering superior returns.
He pointed out that bank deposits in Japan, Europe, and Switzerland generate minimal yields, while euro money-market funds yield around 150 basis points and U.S. money-market rates approach 400 basis points.
Investors are leaving bank accounts behind, Saylor said, turning instead to corporate bonds for better returns. His proposed structure would hold roughly 80 percent in digital credit instruments, paired with 20 percent in fiat currency and a 10 percent reserve buffer to reduce volatility.
Saylor argued such accounts, offered through a regulated banking system, could attract billions in deposits. With a 5:1 over-collateralization held by a treasury entity, countries could potentially channel $20 trillion to $50 trillion in capital flows, positioning themselves as the digital banking capital of the world.
The remarks came shortly after Strategy disclosed a massive Bitcoin purchase. The company added 10,624 BTC for about $962.7 million last week, bringing total holdings to 660,624 Bitcoin, acquired for roughly $49.35 billion at an average price of $74,696.
Saylor’s vision mirrors Strategy’s own products. In July, the company launched STRC, a money-market-style preferred share with a variable dividend of around 10 percent, designed to maintain par value while being backed by Bitcoin-linked treasury operations. The product has grown to a $2.9 billion market cap.
Bitcoin trades near $90,500, about 28 percent below its October all-time high of $126,080 and roughly 9 percent lower over the past 12 months. Still, over the past five years, Bitcoin has surged 1,155 percent from $7,193 on January 1, 2020.
As institutional interest in digital assets grows across traditional finance sectors, Strategy continues to expand its Bitcoin treasury strategy, positioning itself—and potentially entire nations—for a future where Bitcoin plays a central role in banking and finance.
