In a recent podcast, Michael Saylor described how he used ChatGPT to design a financial instrument that enabled Strategy to raise $15 billion for bitcoin purchases.

How the tool was used

Saylor said that ChatGPT assisted in creating an instrument that previously did not exist, which allowed Strategy to obtain capital for direct BTC acquisition.

Key theses from the discussion

• 7% — the approximate annual decline in dollar purchasing power observed over the past century, according to Saylor.
• Conventional safe assets such as savings, bonds, and home ownership, he argued, effectively reduce wealth in real terms over long horizons.
• Home ownership carries implicit costs and a hidden tax that many do not fully account for when evaluating wealth accumulation strategies.
• He advised against attempting to outperform automated systems on tasks where robots excel, and recommended focusing on unmet problems and product creation using AI.
• Automation will transform labor markets; roles like lawyers, accountants, and drivers will face progressive substitution, shifting human value toward problem definition.
• Bitcoin remains the principal asset in his view, with a projected outperformance of the S&P 500 by 1.5–2× over the next 20 years.
• Recent liquidation of a small portion of BTC was described as a demonstration of market depth rather than a strategic pivot.

Current holdings and context

According to Saylor, Strategy currently holds 847 000 BTC, a quantity exceeded only by the presumed holdings of bitcoin’s creator, Satoshi Nakamoto.

Implications for investors

Saylor framed AI as a tool for financial innovation, suggesting firms that deploy generative models to create new instruments may secure large capital inflows and competitive advantage.