Saylor Unveils Digital Finance Stack with USDT as Primary Transactional Gateway

Strategy Chairman Michael Saylor has unveiled a new Digital Finance Stack that positions Bitcoin as long-term 'digital capital' and defensive store of value. The framework divides digital assets according to their financial functions, with USDT serving as the primary transactional gateway for everyday transactions due to its price stability and faster settlement.

The proposed architecture places structured financial products developed around Strategy's Bitcoin holdings between Bitcoin and stablecoin payments. One such product is STRC, a Bitcoin-backed preferred stock designed as a relatively stable, income-generating credit instrument. Another component is SR-strcUSX, a hybrid token combining fiat-like stability with yields associated with credit markets.

The Digital Finance Stack envisions fintech companies generating revenue by operating financial products across its layers, while equity investors gain exposure to the resulting earnings. This move comes as Strategy faces pressure surrounding its enormous Bitcoin treasury, which it expects to resume net purchases by the end of 2026 after selling 6,948 BTC worth approximately $432.5 million in dividends and preserving liquidity.