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Saylor Codifies Five‑Layer Digital Asset Stack and Rejects Bitcoin Staking

He says investor returns should come from treasury-backed credit and equity built on Bitcoin to preserve its fixed supply.

Overview

  • Michael Saylor posted the five-layer Digital Asset Stack on X on June 16, 2026, saying Bitcoin should remain a scarce, unchanged base asset and not adopt staking or protocol-level yield.
  • Strategy reported a purchase of 1,587 BTC for about $100 million, taking its public holdings to roughly 846,842 BTC and keeping the company’s treasury approach central to the plan.
  • The Stack places Bitcoin at the base with separate layers for digital credit, digital money, digital yield, and digital equity so that returns come from financial products above the asset.
  • Saylor cited Strategy-style securities such as STRC preferred stock as an example of Bitcoin-backed digital credit that aims to offer steadier returns while common equity absorbs most price risk.
  • He warned that digital credit is not risk-free and that its value will depend on liquidity, buyer demand, market stress, and whether issuers must sell Bitcoin to meet claims, a dynamic that will test these capital‑structure tools in downturns.