{"id":62837,"date":"2025-12-10T14:31:30","date_gmt":"2025-12-10T14:31:30","guid":{"rendered":"https:\/\/dogewisperer.com\/?p=62837"},"modified":"2025-12-10T14:31:30","modified_gmt":"2025-12-10T14:31:30","slug":"us-banking-giants-are-quietly-piling-into-bitcoin-credit-claims-michael-saylor","status":"publish","type":"post","link":"https:\/\/dogewisperer.com\/?p=62837","title":{"rendered":"US Banking Giants Are Quietly Piling Into Bitcoin Credit, Claims Michael Saylor"},"content":{"rendered":"
\n

At Bitcoin MENA 2025 in Abu Dhabi, Michael Saylor used his keynote to deliver a clear message: major US banks have quietly pivoted from excluding Bitcoin to actively building products on top of it \u2013 and they are now coming directly to him.<\/p>\n

\u201cIn the past six months I have noted and been approached by BNY Mellon, by Wells Fargo, by Bank of America, by Charles Schwab, by JP Morgan, by Citi,\u201d the Strategy (MSTR) executive chairman said. \u201cThey are all starting to issue credit against either Bitcoin or against Bitcoin derivatives like IBIT.\u201d<\/p>\n

\n

JUST IN: Michael Saylor says he got approached by all the major banks recently to launch #Bitcoin<\/a> products and services.<\/p>\n

Banks are here \"\ud83d\ude4c\" pic.twitter.com\/AcHQRCaP7y<\/a><\/p>\n

\u2014 Bitcoin Magazine (@BitcoinMagazine) December 9, 2025<\/a><\/p>\n<\/blockquote>\n

Big Banks Now Want Bitcoin Exposure<\/h2>\n

Saylor contrasted that with the situation a year earlier, when \u201call of the large banks in the United States\u201d still refused to bank Bitcoin. Now, he said, the sector is moving toward custody and credit. \u201cWells Fargo and Citi have both public announced intent to allow the custody of Bitcoin within the banks and in the year 2026 they\u2019ll start to extend credit,\u201d he told the audience.<\/p>\n

Saylor framed this as the institutional expression of a broader policy shift in Washington, which he described as treating BTC as \u201cdigital gold\u201d and, more broadly, \u201cdigital capital.\u201d He claimed there is now \u201ca profound consensus amongst everyone running the United States\u201d \u2013 from the president and vice president to the Treasury, SEC and other top officials \u2013 that Bitcoin is a strategic digital asset.<\/p>\n

\u201cThe United States is the most influential financial regulator in the world,\u201d he said. \u201cWhatever the US banking system does and the US security market does ripples through South America [\u2026] Europe [\u2026] the Middle East [\u2026] even Hong Kong. Even the Chinese will copy what the US is doing.\u201d<\/p>\n

Against that backdrop, Saylor positioned Strategy as \u201cthe world\u2019s first digital treasury company,\u201d whose business model is to industrialize BTC-backed credit. He reported that the company now holds 660,624 BTC, including 10,600 BTC acquired \u201cyesterday,\u201d<\/a> and is currently buying \u201cin the range of $500 million to a billion a week\u201d in Bitcoin. \u201cWe\u2019re not stopping,\u201d he said. \u201cI think that we can buy more Bitcoin than the sellers can sell. And we\u2019re going to take it all. And we\u2019re going to take it out of circulation.\u201d<\/p>\n

The core of his argument is the conversion of volatile \u201cdigital capital\u201d into more stable \u201cdigital credit.\u201d Strategy over-collateralizes its credit instruments \u201cfive-to-one or ten-to-one,\u201d aiming to protect principal even if BTC falls 90%. In return, it targets yields around 8\u201312.5% in its preferred and note structures, funded by BTC\u2019s expected long-term appreciation.<\/p>\n

Saylor presented MSTR equity as \u201camplified Bitcoin\u201d because issuing credit and reinvesting in BTC can, in his model, double BTC-per-share roughly every seven years. For investors who \u201cdon\u2019t trust anybody,\u201d he argued, holding BTC directly remains rational; for those wanting yield and lower volatility, he pitched BTC-backed credit as the superior choice.<\/p>\n

He then extended the logic further, outlining a path from digital credit to \u201cdigital money.\u201d By constructing a fund that is mostly composed of short-duration BTC-backed credit (such as his \u201cStretch\u201d structure<\/a>), buffered with fiat instruments and cash, Saylor claimed one can create a $1 instrument with near-zero volatility and an estimated yield around 8%, distributed as tax-deferred dividends. \u201cI could create what looks like a stablecoin [\u2026] a $1 stablecoin stable to six significant digits that pays you 8% yield tax-deferred but powered by Bitcoin,\u201d he said, adding that banks, asset managers or crypto firms could wrap this into coins, funds or deposit-like accounts.<\/p>\n

The speech ended as a direct appeal to sovereign wealth funds and regulators in the region. Saylor urged nations that \u201cwant to be the Switzerland of the 21st century<\/a>\u201d to let banks custody Bitcoin, extend BTC-backed credit and ultimately offer digital-money accounts that pay several hundred basis points above the risk-free rate. \u201cIf you give people money that\u2019s better than every other bank on Earth, all of the capital in the world will flow into that country, that bank,\u201d he said.<\/p>\n

At press time, BTC traded at $92,700.<\/p>\n

\"Bitcoin<\/div>\n","protected":false},"excerpt":{"rendered":"

At Bitcoin MENA 2025 in Abu Dhabi, Michael Saylor used his keynote to deliver a clear message: major US banks have quietly pivoted from excluding Bitcoin to actively building products on top of it \u2013 and they are now coming directly to him. \u201cIn the past six months I have noted and been approached by […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"iawp_total_views":0,"footnotes":""},"categories":[2],"tags":[3,4,5],"class_list":["post-62837","post","type-post","status-publish","format-standard","hentry","category-news","tag-crypto","tag-doge","tag-news"],"_links":{"self":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts\/62837","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=62837"}],"version-history":[{"count":0,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts\/62837\/revisions"}],"wp:attachment":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=62837"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=62837"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=62837"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}