Strategy’s Michael Saylor: Bitcoin to Hit $13M by 2045, Will Replace Cash & Gold

In a chat with Natalie Brunell, MicroStrategy’s (now Strategy) Michael Saylor made a bold prediction—he sees Bitcoin hitting $13 million per coin by 2045. Why? He believes we’re moving into a new financial era where Bitcoin replaces old-school reserve assets like cash, gold, and bonds as the go-to store of value for companies.Saylor believes the cost of ignoring Bitcoin today will be immense. “Every bitcoin that you don’t buy is a $13 million cost that Ferrari that you’re going to buy is going to cost you like six Bitcoin and so it’s going to be a $100 million Ferrari right uh if you look out 20 years,” he said, stressing the asset’s long-term appreciation.Corporate Bitcoin Strategy: A New PlaybookMicroStrategy, known for holding more Bitcoin than any other public company, has become the poster child of this strategy. But Saylor says smaller, lesser-known companies are the ones leading this new wave. With about 12,000 public companies in the U.S., many mid-sized firms are struggling to stay relevant. According to Saylor, adopting Bitcoin allows them to digitally transform their balance sheets, boost investor confidence, and reposition themselves in the market.“Zombie companies” with little attention in the market are now challenging tech giants like Google and Apple—not by innovation alone, but by making Bitcoin a part of their corporate identity. Meta Planet, a Japanese firm that recently adopted Bitcoin, is one such example following MicroStrategy’s path.Saylor believes traditional corporate finance practices—like stock buybacks and cash dividends—are becoming outdated. “The conventional corporate finance playbook is uh cash is trash and cash underperforms the S&P index and so the S&P index is the cost of capital,” he says. Instead, he encourages companies to hold Bitcoin, describing it as the “reserve asset emerging in the 21st century.”“Bitcoin offers one more collateral advantage which is the more uncertain the operating world gets the more valuable Bitcoin becomes,” Saylor said, noting its ability to build long-term value and weather crises like trade wars, tariffs, or inflation.Advice for Individuals: Don’t Quit Your Job—Buy BitcoinSaylor didn’t just speak to corporate leaders—he also gave advice to everyday investors. His message: hold your job, save cash, and buy Bitcoin. He recommends using long-term, low-interest mortgage debt to free up capital instead of spending on luxuries or paying off homes early.“If Bitcoin is growing 30% a year and your mortgage is fixed at 3%, you’re better off investing than paying it off early,” he explained.New Financial Products: Strife, Strike, and BitBondsMicroStrategy isn’t just holding Bitcoin—it’s building new ways for people to access it. Saylor introduced two new financial products:Strife: A preferred stock offering that pays a “10% dividend forever it’s perpetual,” overcollateralized by Bitcoin, designed for investors seeking income and safety.Strike: Offers an “8% coupon” with some downside protection and “35 to 40% of the upside of uh the common equity.” Ideal for those wanting Bitcoin exposure with less volatility.Saylor also floated the concept of Bitcoin-backed bonds, or “BitBonds.” These could eventually become tools for nations and corporations, though they’d require education and bold leadership to gain traction.On the U.S. Government and Market SentimentWhile cabinet officials have started speaking favorably about Bitcoin—and the U.S. has even established a strategic Bitcoin reserve—Saylor isn’t surprised the government hasn’t bought any yet. “I generally expect that large governments will move in a in a plotting somewhat methodic not always rational fashion,” he notes.Why Bitcoin Hasn’t Exploded YetWith so much good news, why hasn’t Bitcoin crossed $150K or $200K? According to Saylor, the market is still digesting supply from non-economic sellers, like bankruptcy trustees from FTX. These sell-offs create short-term drag, but institutional demand—especially via ETFs and corporate treasuries—is steadily growing.Bitcoin’s Resilience and MicroStrategy’s SurgeSaylor remains unfazed by macro panic. “Bitcoin is the only thing that you can sell you can sell it short with 50x leverage on Saturday morning,” he said, highlighting its liquidity. Even in volatile markets, Bitcoin tends to recover and rally. He pointed to the 2020 crash, when BTC dipped to $4,000 but bounced back stronger. MicroStrategy, meanwhile, has outperformed the Magnificent Seven, gold, bonds, and other assets—thanks to its Bitcoin-centric model.He closed by emphasizing Bitcoin’s life-changing potential: “The secret of Bitcoin and and the simple elegant truth... people buy Bitcoin because they want to keep their money.”Also Read: Hayes: Bitcoin to Hit $1M by 2028 as U.S.-China Deal Falters