MicroStrategy’s Big Move: Saylor Discusses Becoming a Bitcoin Bank
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MicroStrategy, led by its founder and executive chairman Michael Saylor, has discussed the company’s goal of becoming the world’s top Bitcoin bank with Bernstein’s analysts.
Michael Saylor believes that Bitcoin is the best investment of the 21st century. He considers it a new form of money that protects against inflation and stores value over the long term. He thinks Bitcoin’s price changes will attract more investors looking for big returns.
According to him, as more people invest, Bittcoin will eventually be a must-have for both institutions and regular people. If Saylor’s predictions are correct, MicroStrategy could grow into a trillion-dollar company by continuing to use Bitcoin’s rise to create investment products like stocks and bonds.
MicroStrategy’s Main Plan
Since 2020, MicroStrategy has been buying Bitcoin aggressively, using both debt and equity. Last month, the company bought an additional 7,420 BTC, bringing its total holdings to 252,220 BTC. The value of these bitcoins is over $15 billion, while the company spent about $9.9 billion to acquire them and has taken on $4 billion in debt. This massive BTC holding represents 1.2% of the total supply of 21 million BTCs, making MicroStrategy the largest corporate Bitcoin holder globally.

MicroStrategy’s long-term plan is built on the idea that Bitcoin will become the most important financial asset in the world. Currently, BTC makes up only 0.1% of global financial capital, but Saylor predicts it could rise to 7%, which would push Bitcoin’s price to $13 million per coin by 2045. He expects the digital asset to grow by 29% each year, and this growth drives MicroStrategy’s decision to keep investing in it.
Becoming a Bitcoin Bank
Saylor also said that the company’s strategy of borrowing money to buy Bitcoin is scalable, meaning it can grow. He believes the firm could raise $200 billion more by borrowing from U.S. capital markets. In Saylor’s view, the main risk is whether Bitcoin succeeds or fails.
Unlike traditional banks, which lend money, MicroStrategy prefers borrowing from financial markets and investing the funds directly into Bitcoin. Saylor stated that this strategy yields better returns—he expects as much as 50% annually.
While other companies may try to copy MicroStrategy’s approach, analysts noted it is hard to replicate. MicroStrategy has successfully linked BTC and U.S. capital markets, offering investors unique ways to gain exposure to Bitcoin’s price movements.
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