Bitcoin’s institutional embrace is no longer a distant dream. It is happening right now. Major U.S. institutions, including big banks and regulators, are moving quickly. According to Michael Saylor, this shift marks the start of Bitcoin’s next major growth era.
This new phase of Bitcoin’s institutional embrace is distinct from anything we have seen in the past. Wall Street and Washington are aligning for the first time.
Saylor Calls It “The Most Positive Year in Crypto History”
In a recent CNBC interview, Saylor said the past 12 months have changed everything. The White House refers to Bitcoin as “digital gold”. The SEC is pushing tokenized securities. The Treasury supports stablecoins, and the new CFTC head is openly pro-crypto.
Banks such as JPMorgan, Citi, Wells Fargo, and BNY Mellon are preparing to offer Bitcoin custody and credit services. A year ago, no major bank would even issue a loan backed by BTC. Today, they are racing to catch up.
Institutional Credit Meets On-Chain Growth
MicroStrategy, now rebranded as Strategy, just received the first-ever S&P rating for a Bitcoin-focused company. It makes their digital credit products more accessible to large institutional investors.
Saylor says trillions of dollars cannot touch unrated assets. However, his company’s instruments (Strike, Strife, Stride, and Stretch) now have a path into that market. Each product offers different levels of risk, yield, and volatility.
S&P Global Ratings has assigned Strategy Inc a ‘B-‘ Issuer Credit Rating (Outlook Stable) — the first-ever rating of a Bitcoin Treasury Company by a major credit rating agency. https://t.co/WLMkFqkkCb
— Michael Saylor (@saylor) October 27, 2025
He also explains why these instruments offer tax-free dividends. The company funds payouts by selling equity, turning the dividend into a “return of capital”. For many investors, this creates effective yields far higher than those of traditional banks.
A Split Industry: Digital Capital vs Digital Finance
Saylor says crypto has evolved into two sides:
- Digital Capital: led by Bitcoin and Bitcoin-backed credit.
- Digital Finance: They are stablecoins, tokenized assets, and proof-of-stake networks.
Both sides are growing fast. On-chain stablecoin supply keeps rising. Institutional Bitcoin collateral usage is increasing, and banks are preparing to get BTC custody directly by 2026.
Saylor’s Price Outlook
Saylor expects Bitcoin to hit $150,000 by the end of the year. Analysts covering Strategy also share that view. He believes Bitcoin can reach $1 million within four to eight years. Long term, he predicts steady 30% yearly growth, pushing Bitcoin toward $20 million.
JUST IN: Michael Saylor predicts Bitcoin will reach $150,000 by end of this year. pic.twitter.com/ovPz5fMFLW
— Watcher.Guru (@WatcherGuru) October 29, 2025
Conclusion
Bitcoin’s institutional embrace has begun, and it is improving the entire financial system. Banks, regulators, investors, and on-chain markets are moving in sync for the first time. If Saylor is right, this is only the first stage of a much larger growth era.

Disclaimer
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