At Bitcoin MENA 2025 in Abu Dhabi, Michael Saylor used his keynote to ship a transparent message: main US banks have quietly pivoted from excluding Bitcoin to actively constructing merchandise on high of it – and they’re now coming on to him.
“Previously six months I’ve famous and been approached by BNY Mellon, by Wells Fargo, by Financial institution of America, by Charles Schwab, by JP Morgan, by Citi,” the Technique (MSTR) govt chairman mentioned. “They’re all beginning to subject credit score towards both Bitcoin or towards Bitcoin derivatives like IBIT.”
JUST IN: Michael Saylor says he obtained approached by all the main banks lately to launch #Bitcoin services and products.
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— Bitcoin Journal (@BitcoinMagazine) December 9, 2025
Massive Banks Now Need Bitcoin Publicity
Saylor contrasted that with the scenario a yr earlier, when “all the giant banks in america” nonetheless refused to financial institution Bitcoin. Now, he mentioned, the sector is shifting towards custody and credit score. “Wells Fargo and Citi have each public introduced intent to permit the custody of Bitcoin throughout the banks and within the yr 2026 they’ll begin to prolong credit score,” he instructed the viewers.
Saylor framed this because the institutional expression of a broader coverage shift in Washington, which he described as treating BTC as “digital gold” and, extra broadly, “digital capital.” He claimed there’s now “a profound consensus amongst everybody working america” – from the president and vice chairman to the Treasury, SEC and different high officers – that Bitcoin is a strategic digital asset.
“The US is probably the most influential monetary regulator on the planet,” he mentioned. “Regardless of the US banking system does and the US safety market does ripples by South America […] Europe […] the Center East […] even Hong Kong. Even the Chinese language will copy what the US is doing.”
Towards that backdrop, Saylor positioned Technique as “the world’s first digital treasury firm,” whose enterprise mannequin is to industrialize BTC-backed credit score. He reported that the corporate now holds 660,624 BTC, together with 10,600 BTC acquired “yesterday,” and is at present shopping for “within the vary of $500 million to a billion every week” in Bitcoin. “We’re not stopping,” he mentioned. “I believe that we will purchase extra Bitcoin than the sellers can promote. And we’re going to take all of it. And we’re going to take it out of circulation.”
The core of his argument is the conversion of unstable “digital capital” into extra steady “digital credit score.” Technique over-collateralizes its credit score devices “five-to-one or ten-to-one,” aiming to guard principal even when BTC falls 90%. In return, it targets yields round 8–12.5% in its most well-liked and notice buildings, funded by BTC’s anticipated long-term appreciation.
Saylor introduced MSTR fairness as “amplified Bitcoin” as a result of issuing credit score and reinvesting in BTC can, in his mannequin, double BTC-per-share roughly each seven years. For buyers who “don’t belief anyone,” he argued, holding BTC straight stays rational; for these wanting yield and decrease volatility, he pitched BTC-backed credit score because the superior alternative.
He then prolonged the logic additional, outlining a path from digital credit score to “digital cash.” By developing a fund that’s largely composed of short-duration BTC-backed credit score (resembling his “Stretch” construction), buffered with fiat devices and money, Saylor claimed one can create a $1 instrument with near-zero volatility and an estimated yield round 8%, distributed as tax-deferred dividends. “I may create what seems like a stablecoin […] a $1 stablecoin steady to 6 important digits that pays you 8% yield tax-deferred however powered by Bitcoin,” he mentioned, including that banks, asset managers or crypto corporations may wrap this into cash, funds or deposit-like accounts.
The speech ended as a direct enchantment to sovereign wealth funds and regulators within the area. Saylor urged nations that “wish to be the Switzerland of the twenty first century” to let banks custody Bitcoin, prolong BTC-backed credit score and finally provide digital-money accounts that pay a number of hundred foundation factors above the risk-free fee. “Should you give folks cash that’s higher than each different financial institution on Earth, all the capital on the planet will movement into that nation, that financial institution,” he mentioned.
At press time, BTC traded at $92,700.
Featured picture created with DALL.E, chart from TradingView.com
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