Strategy CEO Proposes Bitcoin-Powered Digital Accounts for Global Deposits

• Strategy CEO Michael Saylor proposes Bitcoin-backed digital banking accounts to attract $20–50 trillion globally.
• Nationwide Bitcoin deposits could yield higher returns than traditional bank accounts, easing near-zero-yield frustrations.
• Strategy purchased 10,624 BTC, raising total holdings to 660,624 BTC worth over $60 billion.

Michael Saylor, Executive Chairman of Strategy, has called upon governments to think differently regarding the structure of their banking systems, linking deposit services to the Bitcoin network.

At the Bitcoin MENA conference, he recommended the implementation of Bitcoin-based digital banking accounts in countries, yielding better and safer rates than existing deposits.

Approximately 80% of those funds will be assigned to the tokenized digital credit, with the remaining 20% in fiat and the final 10% reserved for stability against market volatilities. The digital credit will be collateralized in Bitcoin at a ratio of 1:5 and will be stored in a treasury organization.

“The concept is a solution to the discontent with near-zero-yielding deposits in the modern global marketplace,” said Saylor. “In Japan, in Europe, in Switzerland, people make little to nothing in their deposits, and the yield in the U.S. money markets is substantially higher, 400 basis points,” he added, pointing to the bond market that “wouldn’t exist if people weren’t so unhappy with their bank accounts.”

He said the nationwide implementation of Bitcoin-backed digital banking could attract deposits worth $20 to $50 trillion into the global banking system, and that first movers in the sector could find themselves ‘the digital banking capital of the world.

Saylor Expands Strategy Bitcoin Holdings

Saylor announced that Strategy has made a large purchase of Bitcoin: 10,624 BTC at an average price of $962.7 million, at $90,615 per coin. This has resulted in the total number of BTC owned by Strategy rising to 660,624, bought for approximately $49.35 billion at an average price per coin of $74,696.

Source: BitcoinTreasuries

Data from Google Finance shows the stock value of Strategy has depreciated to approximately $178.99, a sharp fall of almost 51% within a year. Nevertheless, its Bitcoin holdings are worth more than $60 billion and are in excess of total costs by more than 22%.

Saylor emphasized: “Strategy is committed to its bitcoin investment strategy.” The company sought to alleviate investor concerns by raising $1.44 billion to satisfy its possible debt and dividend obligations, thus alleviating pressure stemming from default risks in its stock and Bitcoin markets.

Also Read | Bybit Teams with Circle to Expand USDC Access and Strengthen Crypto Markets

Strategy Boosts Bitcoin Treasury Activity

Strategy’s latest purchase comes against the backdrop that the rate of digital asset treasury (DAT) activity has been decreasing. The latest data from DefiLlama reveals that the total value of DAT activity in November stands at $1.32 billion, the lowest in 2025 and a decrease of 34% from the last month. Bitcoin-based treasuries drove the increase in total activity due to Strategy’s purchase of $835

Bitcoin represents the perfect blend of conviction and short-term actions. At press time, BTC is trading at $90,415, and it remains a staggering 28% short of its highest peak at $126,080. Extreme over-collateralization and properly regulated digital credit can substantially dampen the effect of price volatility and make Bitcoin a suitable basis for a banking system, asserts Saylor.

Source: CoinMarketCap

Bitcoin is much more than speculation, said Saylor: “It has the potential to be the basis for a new global digital banking system, even if governments do not implement my ideas.

Also Read | Strategy CEO Reveals $1.44B Cash Reserve to Calm Bitcoin Slump Fears