Michael Saylor is bullish on Bitcoin soaring to $10 million—hoping to build a digital account with 10% interest.

Author: Max, Crypto City

The digital credit industry is emerging, with Bitcoin heading toward a $10 million target
At the main stage of the 2026 Bitcoin Conference (Bitcoin 2026), Strategy company’s founder Michael Saylor delivered a long-term forecast.
He explicitly stated that Bitcoin ($BTC) has the potential to surge to $10 million and will transform into a massive network valued at 200 trillion dollars.
Saylor pointed out that 2026 will be a significant turning point in global financial history, symbolizing the dawn of the “Digital Credit” industry. Bitcoin is an ideal digital asset and also the “ideal capital” supporting global financial operations.
Saylor divides the financial system into the capital layer and the credit layer. Bitcoin, as the capital layer, features anti-inflation, decentralization, and high returns, with an average annualized return of 38% over the past five years, outperforming gold, the S&P 500, and real estate markets. The high volatility (around 40%) of capital markets often deters investors who need stable cash flow.
To bridge this gap, Saylor introduces the concept of digital credit, advocating the use of technology to convert Bitcoin’s high growth into low-volatility, high-frequency yield tools, thereby capturing the $300 trillion global credit market and the $100 trillion stock market share.

Flagship product STRC skyrockets, digital preferred stocks shake up traditional finance
Strategy launched a credit product based on digital lending, STRC, which became the conference’s focus. Within just nine months of launch, its market value rapidly climbed to $8.5 billion. STRC is currently listed on Nasdaq and offers an annualized monthly dividend yield of up to 11.5%. It is the largest and most liquid preferred stock globally, with daily liquidity around $400 million, and trading volume over 25 times that of traditional financial giants like Wells Fargo or JPMorgan Chase.

Image source: Bitcoin 2026 ｜ STRC launched only 9 months ago, with a market value quickly reaching $8.5 billion, offering up to 11.5% annualized monthly dividends

The design logic of STRC is to strip away volatility and extract yield. Through approximately 5x over-collateralization, even if Bitcoin prices undergo significant corrections, investors’ principal remains highly protected. Data shows that STRC’s Sharpe Ratio reaches 2.7, higher than Nvidia’s 1.89 and the S&P 500’s below 1. This indicates that, under the same risk, the product can deliver better risk-adjusted returns. Over 120,000 individual retail accounts participate, with retail investors accounting for 80%, reflecting strong public demand for Bitcoin-driven yield products.

Financial engineering innovation, acquisition strategies accelerate Bitcoin network expansion
Strategy has established an efficient Bitcoin accumulation mechanism through STRC. Since 2026, the company has funded the purchase of about 77,000 Bitcoins, a figure ten times the net inflow of all U.S. Bitcoin spot ETFs during the same period. Digital credit offers transparency, homogeneity, scalability, and no fees, sharply contrasting with traditional private equity funds, which are less transparent, high-cost, and illiquid. Recently, private credit markets have been turbulent due to redemption pressures, further highlighting the structural advantages of digital credit products.

Image source: Bitcoin 2026 ｜ Digital credit offers transparency, homogeneity, scalability, and no fees, sharply contrasting with traditional private equity funds, which are less transparent, high-cost, and illiquid

On the financial technology front, Strategy demonstrates bold ambitions. The company has filed a Shelf Registration of up to $21 billion, 40 times larger than any previous credit instrument. To further enhance product competitiveness, Saylor announced plans to increase the payout frequency of STRC from monthly to semi-monthly.
He likens this to increasing frequency in physics to boost energy, expecting this move to reduce price volatility and make STRC the world’s only preferred stock offering semi-monthly dividends. This high-quality digital signal aims to attract institutional and individual investors seeking stable savings alternatives.

Billion-person high-yield vision, wealth transfer shifting to digital assets
Saylor plans to provide digital bank accounts with an annual return of 8% to 10% for 1 billion people worldwide, replacing outdated low-interest credit tools. Every dollar flowing into digital credit ultimately circulates back into the Bitcoin network (Digital Capital), further driving up Bitcoin’s price in a positive feedback loop. STRC’s dividends are treated as “Return of Capital,” offering tax deferral benefits, allowing investors to reinvest and generate powerful compound interest.
This digital revolution is a large-scale, multi-generational wealth transfer. Through tax-advantaged credit tools, investors can achieve steady profits and pass wealth to future generations, enjoying tax benefits like step-up basis.
As BlackRock and VanEck include STRC in their credit indices, Bitcoin has officially penetrated the global credit market. Saylor calls on more companies to emulate Strategy’s model and jointly build a Bitcoin-based digital financial ecosystem.