Michael Saylor, founder of Strategy, states that Bitcoin is not digital money but rather digital capital that underpins digital money created through BTC-collateralized credit products like STRC. He explains that digital money will emerge from banks issuing BTC-backed digital credit, aligning with early Bitcoin community thought from Hal Finney. Saylor's Strategy firm aims to expand STRC, a BTC-collateralized preferred share with dividends, to empower banks to create digital money as part of this layered financial innovation.

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