Michael Saylor proposes a 'non-volatile' bank account yield of ~8% backed by Bitcoin, expecting the first adopting country to become a digital banking capital and attract $20–50 trillion from low-yield bonds.
The plan targets massive capital pools in Japan, Europe, and Switzerland, where low yields persist. The product must be issued by a regulated bank and approved by the regulatory authority to reshape global capital flows.
MAIN CONTENT
The target yield account of 8% is backed by Bitcoin, reducing volatility to nearly 0.
The goal is to attract $20–50 trillion from low-yield government/corporate bonds.
Early-adopting Middle Eastern countries could become the global 'digital banking capital.'
What is Saylor's new Bitcoin idea?
A high-yield bank account, with volatility nearly 0, issued by a regulated bank and backed by Bitcoin, aims to pay around 8% per year.
Speaking at Bitcoin MENA, Saylor argued that the first adopting country could become the 'digital banking capital of the world'. He likened this to 'the Switzerland of the 21st century', attracting immediate global digital capital flows.
The goal is not the existing cryptocurrency market, but to restructure the largest traditional capital pools that are currently trapped due to prolonged low yields.
What is the strategic objective of the plan?
Reallocating $20–50 trillion trapped in low-yield bonds in Japan, Europe, and Switzerland to high-yield digital accounts.
Saylor contrasts the target yield of 8% with the stagnant $200 trillion global credit market. According to him, investors are taking high risks in corporate bonds because they are 'forced to hunt for yield' when bank accounts pay too low.
“The only reason you buy corporate bonds, junk bonds, private credit, or MBS is that the bank account does not pay 6% or 8%.”
– Michael Saylor, Chairman of MicroStrategy, Bitcoin MENA 2025
He positions Bitcoin as 'high-integrity digital capital' to back a new high-yield system, instead of competing directly with traditional assets.
How does the product mechanism work?
The structure consists of 80% credit, 20% currency, and a 10% reserve cushion to eliminate volatility, managed by the issuing bank and approved by the regulatory authority.
According to Saylor, the structure of 'digital credit + digital capital + digital funds' allows banks to pay dividends of around 8%, while controlling risk by adjusting currency weights or reserve sizes.
He emphasizes that the product needs to have 'zero volatility' but pay higher than the risk-free rate by 400 basis points in the customer's preferred currency.
“The perfect product is a bank account that is zero volatility and pays higher than the risk-free rate by 400 basis points in your preferred currency.”
– Michael Saylor, Chairman of MicroStrategy, Bitcoin MENA 2025
He calls this the 'lightsaber of money' as the Sharpe ratio trends towards infinity due to volatility approaching 0.
“Lightsaber of money” – the inevitable result of combining digital capital, digital credit, and digital funds under regulatory approval.
– Michael Saylor, Chairman of MicroStrategy, Bitcoin MENA 2025
Expected impact on Middle Eastern financial centers
The first Middle Eastern country to offer a managed 'zero volatility' account could become a digital banking capital, attracting massive capital that is thirsty for yield.
Saylor believes that whether it is the Bank of Dubai, Abu Dhabi, or Bahrain, simply paying 100–300 basis points higher than competitors will attract $20–50 trillion from low-yield areas.
More importantly, the manager can adjust risk, yield, and liquidity by changing the currency weight or reserve cushion, creating real-time regulatory capabilities.
MicroStrategy acts consistently with the thesis
MicroStrategy continues to expand its Bitcoin position, reflecting Saylor's belief in a new financial structure based on digital capital.
According to the 8-K report, the company used its 'at-the-market' issuance program to purchase 10,624 BTC, worth nearly $1 billion, at an average price of $90.6k/BTC.
This deal is the second largest in the second half of 2025, occurring despite removal assessments from the index being pending. This shows the strategy of using the stock market to sustainably expand Bitcoin positions.
Quick conclusion
Saylor's plan positions Bitcoin as the backed digital capital for the 'non-volatile' yield account of ~8%, aiming to reallocate massive capital from low-yield bonds and grant geopolitical advantages to early adopting countries.
Frequently Asked Questions
What is the 'non-volatile' yield account ~8% based on?
On a structure of 80% credit, 20% currency, and a 10% reserve cushion, issued by a regulated bank and approved by the regulatory authority, with Bitcoin as the backed digital capital.
Which capital source is the product targeting?
$20–50 trillion capital pools are trapped in low-yield government/corporate bonds in Japan, Europe, and Switzerland.
What benefits will early adopting countries gain?
Could become the global digital banking capital, attracting international capital flows with yields higher by 100–300 basis points compared to competitors, within a regulated framework.
Source: https://tintucbitcoin.com/de-xuat-ngan-hang-bitcoin-cua-saylor/
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