Beyond corporate balance sheets, Saylor now targets what he calls “trapped” capital in low-yield sovereign and corporate bonds. He cited estimates of $20 trillion to $50 trillion parked in instruments that earn very little real return across Japan, Europe, and Switzerland.
His proposal centers on a regulated yield account that aims for about 8% annually while keeping volatility near zero. The structure mixes digital credit and currency: around 80% in Bitcoin-linked credit, 20% in fiat, and an additional 10% reserve buffer. Regulators could adjust the currency share or reserve buffer to manage risk, liquidity, and yield.
Saylor told the audience that a nation adopting this Bitcoin banking product could become a new “digital banking capital,” similar to Switzerland’s historic role in private banking. He argued that investors would shift capital if a regulated Bitcoin bank offered 100 to 300 basis points above current risk-free rates in their local currency.