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Michael Saylor’s credit pivot as BTC-focused firm tanks

Saylor's credit pivot fails as Bitcoin holdings now exceed MicroStrategy's value.

  • Michael Saylor‘s public messaging pivoted from disparaging credit to praising it in June 2025.
  • His new “digital credit” product, STRC, has plunged to $71.25, far below its intended $100 par value.
  • Strategy‘s enterprise value fell below its Bitcoin holdings this month, prompting its first voluntary BTC sale since 2022.
  • An audit of over 5,000 tweets tracks Saylor’s shift in vocabulary from Bitcoin to credit-focused terms.

Michael Saylor, the executive chairman of MicroStrategy, underwent a dramatic public shift in mid-2025, pivoting from a relentless Bitcoin advocate to a promoter of fiat-denominated credit. This reversal culminated in the launch of STRC, a dividend-paying security he branded as “digital credit.” However, a social media audit pinpointed June 2025 as the turning point.

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For the five years prior, 75.8% of his 3,494 posts mentioned Bitcoin, while credit was mentioned in under 1% as an insult. Consequently, his new terminology redefined BTC as “digital capital” and STRC as “digital credit.” He emphasized STRC’s aim to hold a USD par value while paying USD dividends.

Meanwhile, the product’s marketing heavily featured fiat references, with USD-denominated issuances creating steady dilution. Strife and Stride also launched with fiat dividends and USD credit seniority in bankruptcy. Consequently, credit and debt-engineering vocabulary displaced Bitcoin in his social media posts entirely.

The strategy initially appeared successful, with STRC holding its $100 value intermittently from October 2025 through May 2026. Then, this month, the bottom fell out for both STRC and MSTR. STRC fell to $71.25, a terrifying 29% below par, while MSTR hit $82 last week, down $375 from its high.

Investors read the fine print, discovering STRC isn’t a corporate bond and has no asset-backing or redemption rights. Unlike traditional credit, it offers no FDIC or SIPC insurance against losses. Consequently, STRC is just a stock that the company has relentlessly diluted.

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Saylor stopped calling BTC digital money, instead labeling it a capital asset he believed should compound near 30% annually. As BTC underperformed that expectation, Saylor’s stocks performed even worse. Bitcoin has more than halved from its peak above $126,000.

Strategy‘s common stock has shed 78% of its value over the past 12 months. This month, the company’s enterprise value slipped below the value of its Bitcoin for the first time. Worse, it executed its first voluntary BTC sale since December 2022, breaking years of guidance.

As shares cratered, Saylor posted that he remained focused on Bitcoin despite his obvious focus on credit. STRC, his flagship “credit” product, opened for trading today at $81.

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