Michael Saylor 看好比特幣飆到 1 千萬美元！盼打造 10% 利息數位帳戶

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Author: Max, Crypto City The Birth of the Digital Credit Industry, Bitcoin Heads Toward the $10 Million Target On the main stage (Nakamoto) of Bitcoin 2026, Michael Saylor, founder of Strategy, delivered a long-term forecast. He clearly stated that Bitcoin ($BTC) has the potential to surge to $10 million and will transform into a massive $200 trillion network. Saylor pointed out that 2026 is a major turning point in global financial history, marking the dawn of the "Digital Credit" industry. Bitcoin is the ideal digital asset and the "ideal capital" that underpins global financial operations. Saylor divides the financial system into a capital layer and a credit layer. As the capital layer, Bitcoin possesses characteristics of anti-inflation, decentralization, and high returns, with an average annualized return of 38% over the past 5 years, outperforming gold, the S&P 500, and the real estate market. The high volatility (approximately 40%) of the capital market often deters investors who require stable cash flow. To bridge this gap, Saylor introduced the concept of digital credit, advocating for the use of technical means to transform Bitcoin's high growth into a low-volatility, high-frequency income tool, thereby capturing the $300 trillion global credit market and the $100 trillion stock market share. Flagship Product STRC Soars, Digital Preferred Shares Shake Traditional Finance Strategy’s credit product, built on the framework of digital credit, STRC, became the focus of the conference. Just 9 months after its launch, its market capitalization rapidly climbed to $8.5 billion. STRC is currently listed on Nasdaq, offering an annualized monthly dividend of up to 11.5%. It is the world's largest and most liquid preferred stock, with daily liquidity of approximately $400 million, and a trading volume more than 25 times that of preferred stocks from traditional financial giants like Wells Fargo or JP Morgan. The design logic of STRC lies in stripping away volatility and extracting yield. Through an over-collateralization mechanism of approximately 5x, investors' principal remains highly protected even if the price of Bitcoin undergoes a significant correction. Data shows that the Sharpe Ratio of STRC has reached 2.7, higher than Nvidia's 1.89 and the S&P 500 index, which is below 1. This means that the product can provide investors with superior risk-adjusted returns while assuming the same level of risk. The product has attracted participation from over 120,000 individual retail accounts, with retail investors accounting for 80%, reflecting strong public demand for Bitcoin-driven yield products. Financial Engineering Innovation, Acquisition Strategy Accelerates Bitcoin Network Expansion Strategy has established an efficient Bitcoin accumulation mechanism through STRC. Since the beginning of 2026, the company has funded the acquisition of approximately 77,000 BTC, a figure 10 times the total net inflow of all US Bitcoin spot ETFs during the same period. Digital credit possesses the advantages of being transparent, homogeneous, scalable, and fee-free, forming a sharp contrast with the low transparency, high fees, and poor liquidity of traditional private equity funds. The recent volatility in the private credit market due to redemption pressure further highlights the structural advantages of digital credit products. At the financial technology level, Strategy has demonstrated massive ambition. The company has filed a shelf registration of up to $21 billion, a scale 40 times larger than any credit instrument in history. To further enhance the product's competitiveness, Saylor announced plans to increase the dividend frequency of STRC from once a month to once every two weeks. He likened this to increasing frequency in physics to boost energy, expecting this move to reduce the price volatility range and make STRC the world's only preferred stock to offer bi-weekly dividends. This high-quality digital signal is intended to attract institutional and individual investors seeking stable savings alternatives. A Vision of High Yield for One Billion People, Wealth Transfer Shifts Toward Digital Assets Saylor plans to provide 1 billion people worldwide with digital bank accounts offering an annualized return of 8% to 10%, replacing obsolete low-interest credit instruments. Every dollar flowing into digital credit will eventually flow back into the Bitcoin network (Digital Capital), thereby pushing up the price of Bitcoin and forming a positive cycle. STRC dividends are treated as "Return of Capital," which features tax deferral, allowing investors to generate powerful compounding effects through reinvestment. This digital revolution is a massive, multi-generational wealth transfer. Through tax-efficient credit instruments, investors can profit steadily and pass them on to future generations as inheritance, while enjoying the tax benefits of a step-up basis. As large asset management firms like BlackRock and VanEck include

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來源：區塊客

發佈：2026-05-02 01:00:53

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