Michael Saylor outlines Bitcoin bank model with 80/20 reserves and 5:1 collateral

Michael Saylor urged governments to create regulated digital banks backed by Bitcoin reserves and tokenized credit, a proposal he presented during a keynote at the Bitcoin MENA conference in Abu Dhabi. He detailed an 80/20 split between tokenized credit and fiat, a 10% liquidity buffer, and a 5:1 overcollateralization ratio, while acknowledging volatility and regulatory demands.