What you need to know:
- Saylor envisions AI-driven, 24/7 crypto asset trading and a fully digital financial system.
- The strategy aims to transform Bitcoin into a foundation for digital credit and digital money.
- Major banks and regulators are now enabling credit and custody solutions, accelerating global adoption.
Michael Saylor, Chairman of Strategy, recently outlined a vision for the future of digital finance, describing 2025 as the year when ‘digital intelligence meets digital capital’. Speaking to Galaxy Digital’s Alex Thorne, Saylor emphasized that artificial intelligence will not only optimize legacy processes, but help create entirely new financial products.
He spoke of a future where AI-held assets are traded quickly and 24 hours a day. He also talked about how this could potentially disrupt traditional banking. However, Saylor went on to suggest that the traditional banking system may have difficulty understanding this shift.
Bitcoin as the backbone of digital credit
Over the past year, Strategy has developed the use of digital capital to provide credit. With every $10 worth of Bitcoin, the company can earn $1 in digital credit, significantly reducing risk and volatility.
It lays the foundation for what Saylor describes as “digital money,” which is stable and yields high returns using Bitcoin. Saylor explained that digital credit facilities such as Strategy’s Stretch, Stride and Strive increased from zero to $8 billion in a ten-month period.
The investment in this market yields significantly higher returns than those of traditional bank accounts. He also explained that Bitcoin remains an integral part of this system and helps create value-storing and dividend-paying digital currencies.
Banks, regulators and global adoption
But Saylor mentioned something unique in terms of the level of support they receive from regulators in the US and major banks around the world. Bitcoin Spot ETFs are now fully operational. Banks like Citi, JPMorgan and Bank of America actually issue credit in the form of Bitcoin and iBit shares. Major players are also exploring digital money accounts, which can deliver returns of up to 8%.
He explained that it is important to note that this type of interest is not only seen in the US, but Middle Eastern countries are equally enthusiastic about it, opening up a global market for digital currencies.
Currently, more than 200 publicly traded companies hold digital currencies on their books, which Saylor says indicates a solid foundation for building a new financial system that is fully digital.
Looking ahead, Saylor believes that digital capital, credit and money will be at the heart of this transition thanks to fast transactions, high returns and expanded access to financial services. By leveraging artificial intelligence, digital assets and friendly banking systems, 2025 could herald a massive transition in the way the world handles money.
Also Read: Bitcoin Consolidates Through End of 2025 as Analysts Mark Turning Point in Q1 2026
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