Why Michael Saylor Wants Nations To Build Bitcoin Banks 2025

Michael Saylor, executive chair of Strategy, has suggested that national governments consider developing a novel type of financial system: regulated digital banking platforms backed by Bitcoin reserves and tokenized credit tools.

These comments, shared during Saylor’s keynote at the Bitcoin MENA conference in Abu Dhabi, align with his broader view that digital assets could be integrated into mainstream financial frameworks.

Saylor’s proposal comes as Strategy continues to expand its Bitcoin holdings, including a recent purchase of 10,624 Bitcoin (BTC) valued at about $962.7 million. The firm now holds 660,624 BTC, a position that reinforces Saylor’s view that digital assets can play a sustained role in financial ecosystems.

Saylor’s vision draws on Strategy’s experience with Bitcoin-linked financial tools. Earlier in 2025, the company introduced STRC, a preferred share designed with features that resemble money market instruments. With a variable dividend rate, STRC is intended to maintain a stable price near its par value.

STRC has reached a market cap of around $2.9 billion. While it reflects elements of Saylor’s vision, it still operates within normal market constraints, including changes in liquidity and shifts in investor sentiment.

Saylor describes a system in which licensed national banks offer digital accounts backed by a mix of overcollateralized Bitcoin holdings, tokenized debt instruments and fiat reserves.

Saylor described an 80% allocation to tokenized credit and 20% to fiat. He also cited an additional 10% reserve buffer intended to support liquidity and stability, though the exact structure would depend on how regulators define reserves and safeguards.

For the crypto component, he recommends a 5:1 overcollateralization ratio, meaning collateral would far exceed the underlying credit obligations.

As Saylor envisions it, these structures could function as digital banking products that offer regulated exposure to new forms of collateral. He argues that countries adopting such frameworks could attract international savers seeking diversified, regulated options. In his presentation, he frames the model as a potential alternative for policymakers.

Did you know? Michael Saylor co-founded Strategy (then MicroStrategy) in 1989 and initially built the company as an enterprise business intelligence and analytics software vendor. Over time, it became known for its large-scale Bitcoin strategy.

Source: CoinTelegraph