Michael Saylor, executive chairman of Strategy, believes the next stage of economic growth will depend on how easily people and companies can create, own, move and use digital assets.
In his view, the rise of artificial intelligence will increase productivity, but stronger and more flexible financial systems will be needed to turn that productivity into lasting prosperity.
Speaking about the future of digital finance, Saylor proposed what he describes as a “bill of digital rights.” His framework centers on five basic freedoms: the right to create digital assets, issue them to raise capital, hold them through self-custody or a chosen provider, transfer them between people and services, and use them for payments, investments, income and borrowing.
Saylor argues that these rights should apply to both individuals and businesses. “An asset’s value depends on what its owner can do with it. Restrict its usefulness, and you restrict its economic potential,” he said.
Opening the Door to More Competitive Digital Finance
Saylor also argues that financial markets must become more competitive as digital assets develop. He believes digital dollars should be allowed to compete on yield and convenience, with banks, fintech companies and technology platforms offering services through the devices and applications people already use.
“Where the law prevents it, the law should change,” Saylor added.
He also sees Bitcoin as a form of “digital capital” that should have a wider role in the financial system. Banks, he argues, should be able to provide Bitcoin custody and credit services, while insurers should be able to include it within their financial structures.
For tokenized securities, Saylor says simply placing traditional assets on a blockchain is not enough. Owners should also be able to hold assets directly, transfer them between services, and use them in competitive custody and lending markets.
His proposals extend to financial privacy and everyday transactions. He questions the continued use of the $10,000 reporting threshold and supports easier identity verification, allowing customers to reuse verified information with their permission. He also argues for a meaningful tax-free threshold for small digital-asset transactions.
Building Financial Systems for the Age of AI
Saylor’s broader argument is that AI will change how businesses operate, create new products, and disrupt existing jobs. As software increasingly works around the clock, financial systems may also need to operate at a digital speed.
He argues that future prosperity will depend on creating new businesses and making it easier for them to access capital. His ambition is to “enable 10 million new companies to raise capital.”
The central idea behind Saylor’s proposal is that innovation should not be blocked before new business models have a chance to develop.
He supports accountability and disclosure where necessary, but believes individuals and companies should retain the freedom to create, own, transfer, and use digital capital.
As AI reshapes the economy, Saylor sees efficient capital formation and faster-moving financial infrastructure as essential tools for turning technological progress into bigger economic opportunities.
