Strategy founder Michael Saylor said artificial intelligence agents could become major users of Bitcoin, arguing that autonomous transactions require digital assets that operate around the clock. He urged U.S. policymakers to support that shift through clearer rules, stronger self-custody protections and broader banking access.
Saylor described traditional financial infrastructure as poorly suited to AI agents. His argument linked automated payments with a wider policy agenda covering business financing, digital currencies and credit backed by Bitcoin.
Saylor argued that expanding Bitcoin’s role also requires changes within regulated financial institutions. He called for rules that would allow banks to hold the asset in custody and extend credit against it.
He also pointed to regulatory and accounting requirements that discourage banks and insurers from holding Bitcoin. Among the measures he criticized was the 1,250% risk weighting associated with certain crypto exposures.
Saylor estimated that roughly USD 1.6 trillion in Bitcoin capital remained largely outside banking channels. He described exchange-traded funds as an existing route for bringing that exposure into traditional finance.
He predicted that lending against Bitcoin could increase purchasing demand and prices. Those outcomes represented his forecasts, rather than confirmed commitments from banks.
(adsbygoogle = window.adsbygoogle || []).push({});Beyond Bitcoin, Saylor called for simpler rules governing digital tokens and business fundraising. He argued that AI could eliminate jobs and existing business models, making new company formation more important.
He said smaller businesses face costly fundraising procedures despite the depth of U.S. capital markets. Digital token issuance, he argued, could reduce those barriers under revised regulations.
Saylor also advocated competition among digital currency issuers, including the ability to offer yield. He criticized policies that restrict technology companies from issuing digital currencies, arguing that wider distribution via smartphones could expand access to dollar-based payments globally.
Saylor’s vision would place Bitcoin at the intersection of AI-driven payments and traditional finance, but its adoption depends on regulatory changes that have not yet been implemented. His proposals for banking access, self-custody, token issuance, and Bitcoin-backed credit therefore remain policy arguments rather than established changes to the financial system.
