Foresight News reports that Strategy Executive Chairman Michael Saylor delivered a speech on Digital Credit at Strategy World 2026. In his speech, Michael Saylor outlined a digital financial system with Bitcoin as the underlying asset.
In this system, the first layer, Digital Capital, is Bitcoin itself; the second layer, Digital Credit, consists of financial products issued based on Bitcoin as the underlying asset, such as the perpetual preferred stocks STRC, STRK, STRF, STRD issued by Strategy. These assets reduce the risks and volatility of directly holding Bitcoin and offer a stable annualized return of around 10%. The third layer, Digital Money, includes stablecoins and payment tools derived from the second layer financial products, such as Saturn, which is issued based on STRC and U.S. Treasury bonds to create the stablecoin USDat.
Digital Credit is a new concept that Michael Saylor has publicly expressed multiple times since the end of 2025. He believes that Digital Credit and digital currencies are entirely based on financial products and new currencies derived from Bitcoin, which are different from traditional fiat currencies issued based on national credit. The returns on financial products and the “interest” on currencies will all come from the appreciation of Bitcoin’s price.
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