Strategy founder Michael Saylor has laid out a sweeping policy framework for the digital economy, calling for a “bill of digital rights” and much deeper Bitcoin integration into banking and insurance. In an essay posted on X and expanded at a Freedom Tech DC event hosted by the Bitcoin Policy Institute, Saylor argued that individuals and companies should have five fundamental rights regarding the creation, issuance, custody, transfer, and use of digital assets.
Saylor’s plan calls for banks to hold Bitcoin and lend against it under normal commercial terms instead of treating it as an unusually risky asset. He specifically criticized the 1,250% risk weighting applied to certain crypto exposures under Basel regulations. According to Saylor, regulators should distinguish between client-based custody services, Bitcoin-backed loans, and banks’ own Bitcoin positions. He described Bitcoin as digital capital and said bank adoption could be a major catalyst for sector growth. He also urged a regulatory path for insurance companies to incorporate Bitcoin into balance sheets and product designs.
The framework also covers digital dollars and tokenized securities. Saylor said banks, fintech companies, and technology platforms should be able to issue digital dollar products that compete on yield, with AI agents eventually needing their own wallets and programmable payment systems. On tokenization, he argued that simply moving securities onto a blockchain is not enough—investors should be able to hold assets directly, transfer them freely, and choose different custody or lending providers. He added that ordinary transactions under $10,000 should not be automatically reported to government agencies solely because they involve digital assets.
Saylor said the SEC, CFTC, U.S. Treasury, banking regulators, and the White House would play key roles in advancing reforms over the next two years. He criticized the Clarity Act as too focused on restrictions and told lawmakers, “Where the law prevents it, the law should change.” Saylor believes the changes could help digital assets grow into a $100 trillion industry and help roughly 10 million new companies access capital.
The comments came as Strategy resumed Bitcoin buying after a two-week pause, purchasing 950 BTC for $75.7 million at an average price of about $79,670 per coin. The company’s total holdings now stand at 846,000 BTC, worth roughly $63.8 billion at cost, with Bitcoin trading near $84,523 at the time of the purchase report.
