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Traditional finance-wise I started 17 years ago. Bought fixer-upper house around 2016-2017 at about $165k, market has it at ~$390k today. I don’t believe it’s worth that but just had it appraised (to do a partial cash-out refinance and buy more Bitcoin and STRC - the arbitrage is that good). Real estate seems like a place surplus dollars settle, but why would get locked into property management or house flipping? - I’d need to raise rates just to keep up with dollar inflation and taxes, then I’ve got people pouring bacon grease down the sink… I think of Bitcoin as the first time humans can have electric energy turned into value. Thermodynamics, right? Energy can’t be created, just transformed. So bankers and politicians have *created work-value energy* out of nothing - meanwhile Bitcoin is energy transformed into work-value. Kind of funny the money printer people all complain about the energy cost, how much you think financial mucky mucks and their high-rises on wallstreet cost? It just makes sense that if bucks are printed (look at M2 money supply) prices in dollar terms (for my same, shitty, antique, small-family sized home) would go up, but the value in actual energy (as priced in Bitcoin) would go down. Detractors would be like “but you gotta use shady shadow banking!” Not really, I have a Bitcoin ATM down the street. Poof, there’s your down payment in cash. In 2017 Bitcoin hit a high around $19k, now we’re at a people-tripping-out low of what, $62k? And again - in dollar terms, my house went from ~165 to ~390k If I had half a brain I would have rode it out, life didn’t get less expensive, I won’t make that mistake again. It could drop to 30k, I’d buy harder - it’s that good of an asset. Another thought, everyone’s mad about wages… well converting my dollars into Bitcoin clearly preserves or enhances their value. The dollar basically evaporates with time, so it encourages people to flip it quick into the next thing or risk loss. Plus, now we’ve got to contend job-wise with limitless human creativity connecting to the how-to know how of AI. If you don’t think that’s going anywhere, check out Anthony Pompliano’s CFO Silvia AI. It’s free so far. I’m at starting-stages of my business and still hiring lawyers to cross check but so far I’ve been astounded at what it can do… my point being, replacing a CFO salary is kind of a big deal, and now everyone has access. Wages should be going up, prices should be going down. Holding Bitcoin is better the longer you learn and keep it.
Bitcoin setting a long-term bottom any where above say $45k / coin would prove once again that the monetary network is expanding at a rapid pace, the bulls are right, and it's not just a mass-hysteria-ponzi-scheme as the detractors claim. We're still above $60k, a level we could barely hold 4 years ago, in a cycle where no other coins demonstrated an ability to hold value long-term, setting Bitcoin uniquely apart as the apex digital money. Now the only question is whether there will be one decentralized digital money, or zero. We all know the answer to that. Look at the credit markets! STRC trading 8 bps off of par. No one thinks Bitcoin is going to zero. The only question is where it will bottom. Fear and greed in single digits only proves that people uniquely hold bitcoin as a store of value even when they are terrified that the short-term price could fall further. Y'all aren't bullish enough. Bitcoin dislocating up in value while traditional assets get rocked by AI disruption is exactly the kind of thing that leads to hyper-bitcoinization. The stage is set for bonds to allocate into Bitcoin via Strategy preferred shares. The banks are getting on board to use it as a collateral asset for loans, which is going to open up the housing market in a few years. The president's family is loading up in anticipation of the US Treasury buying. Don't worry where the panic bottom sellers in the short-term. Sell your chairs, buy bitcoin, and wait a few years. There's too much money that needs to squeeze into too small a box for Bitcoin to stay below six figures for long. Seven figures will struggle to contain it.
Strategy has acquired 592 BTC for ~$39.8 million at ~$67,286 per bitcoin. As of 2/22/2026, we hodl 717,722 $BTC acquired for ~$54.56 billion at ~$76,020 per bitcoin. $MSTR $STRC -Michael Saylor https://x.com/saylor/status/2025919387283099870
I have been making so much money with STRC
DAT founders job is to be perma bull, get you to buy their stock so they can use your money to pay dividends on STRC and others. They were smart diluting the hell out of shareholders for like $2b months ago to build a reserve for dividends, but that should tell you all you need to know about the risk. it will get tense if the price is below the current level all year. When sentiment is high, people buy the stock, Saylor dilutes them to pay dividends to others. It’s a horrid model for MSTR holders unless Bitcoin is going up and new money is constantly flowing into to dilute. Ponzi-ish, absolutely. When sentiment is low, no one is buying the stock, therefore Saylor can’t dilute and buy the dips. This is why he is always buying tops. Nice model, hey?
Not sold since 2022, but I might sell some at some point to buy STRC and get a nice retirement cash flow. I won't sell all, of course.
Convert to real dollars, buy STRC?
Stick with us here. We're talking about STRC. Seems to be pretty consistent, except for the day bitcoin dipped to 60. Bounced right back though. https://preview.redd.it/co0yupe7bckg1.png?width=3666&format=png&auto=webp&s=9d5757ac58ae4cbbce2117e62527ded31ee3f91b
Anyone who wants a great yield could do worse than to buy STRC.
Comparing MicroStrategy to a hedge fund or a land bank is a classic case of apples-to-oranges financial gymnastics. In 2026, that comparison doesn't just fall flat—it highlights exactly why the MSTR "infinite money glitch" is in trouble. A hedge fund has an "end of term" where they return capital. Saylor has explicitly said his term is "forever." \* If MSTR investors decide to "get out" because of underperformance, the stock price crashes. Because MSTR relies on a high stock price (premium) to buy more BTC "accretively," a mass exit doesn't just lower the price—it breaks the engine. ### 2. Hedge Funds Have Performance Fees; MSTR Has Dilution In a hedge fund, the manager gets paid if the assets grow. In the "MSTR Fund," Saylor grows the total Bitcoin pile by diluting you. In 2025 alone, MSTR was the largest equity issuer in the U.S., raising over $25 billion by printing new shares. If a hedge fund manager said, "I increased our gold holdings by 10%, but I had to issue 15% more shares to do it," they’d be fired. That isn't "yield"; it's a negative-sum treadmill. Land banks and hedge funds often hold non-cash-flowing assets, but they don't usually pay 11.25% dividends on preferred shares (like MSTR's STRC) to do it. Saylor is now paying "junk bond" interest rates to hold a stagnant asset. A hedge fund with 11% overhead and 0% growth is a fund that is dying in real-time.
If you look at the metrics short term lagging it’s a disaster, but on the reverse side of that is the very famous quote of buy when there’s blood in the streets! If people pay attention, they’d know that last buy included almost 50% funds from STRC. If you then look at recent trends, MSRT is dipping while STRC/STRF is increasing, which is exactly why they offered the different preferred’s. There won’t be the volatility of MSTR, coupled with the steady income from the preferred’s, attracting a different type of “investor” to the MSTR gamblers. This whole different model offering is predicated on how much they expect to make from BTC over the coming years. They’re giving up a percentage of “expected returns” so they can buy more BTC without loan guarantees and risk. It can be considered a win/win, BUT only if you believe in BTC long term as the underlying asset. It’s not as though they’re hiding what they believe, they tell you at every opportunity, the trick is all about whether you believe them, and in BTC or not. To me it’s quite simple really, and I’m a true believer in buying when there’s blood in the streets, but that’s just me 🤷♀️
Now I see where you’re confused. STRC price is kept at $100 by Strategy adjusting the yield. It started at 10%, but that wasn’t enough to compensate the market, so the price dropped and the yield had to be increased. It’s now sitting at 11.25%. Saylor obviously touts this as a positive (because he’s a huckster), but in reality it’s the market telling him that his “digital credit” is equivalent to a junk bond. So when the yield on X shares outstanding rises from 10% to 11.25%, the amount of cash MSTR needs to pay goes up. If the price of BTC tanks more, the market will view STRC as an even more risky investment. The yield will rise more, and so will the cash requirements.
Nope. The STRC par is kept at $100/share by jacking up the yield. It’s now crept over 11%…that’s junk bond levels. Worse than Argentinian bonds. If the price of BTC keeps coming down, that yield will keep rising to reflect the risk investors perceive of never being paid back. The cash will be gone much faster.
Here is my new theory on a bottom indicator. That will be when STRC first declares a reduction in dividend. And ofcourse, this will be known in advance by STRC consistently trading over $100 for most of a calendar month. Why is this likely to be a bottom indicator? Because a decreasing yield on an mstr variable rate perpetual instrument means that the market thinks the worst is over for Strategy. And that could only be if bitcoin isn't expected to fall further. And you could even argue the other way - that if the worst is considered over for Strategy then that bodes well for Bitcoin too seeing as the possibility of Strategy being liquidated (already small) becomes practically nil.
Wouldn't having more STRC shares still be dilutive? The more shares, the less dividends to go around per share.
They issued 785,354 shares of STRC and 660,000 shares of MSTR. Link to the 8k filing: [https://www.sec.gov/ix?doc=/Archives/edgar/data/0001050446/000119312526053105/mstr-20260105.htm](https://www.sec.gov/ix?doc=/Archives/edgar/data/0001050446/000119312526053105/mstr-20260105.htm)
Thats okay, looking forward to buy something like STRC in the future with a small part of my stack so I can enjoy monthly wage without working while my btc stack will keep on growing / gaining in value.
STRF and STRC are the real yield plays right now.
I moved 80 percent of my emergency fund to STRC. It's doing way better than my MSTR dca at the moment.
The problem is that those dropped during the recent drawdown to near $60k. That was a nice buying opportunity for the Preferreds and STRC has fully recovered. But if you sold to buy the dip, you lost some of the money you had before the dip Thus if you’re putting money aside to buy a dip in bitcoin. It’s best not to keep it an asset related to bitcoin
Why not hold STRC or SATA for monthly dividend? Is HYSA better in comparison?
Bitcoin ETNs (in the UK), MSTR, STRC
I think Saylor is pretty strong tho, he’s built up that cash position to back STRC, but in a way that extra buffer protects him from near systematic failure. Like we’d have to hit 15k for two years before he blows up
If you've got a nice stack in cold storage, I'd buy IBIT in a brokerage account Sell calls against it, roll them up and out if Bitcoin rallies, much more income potential than STRC
I had barely any money on there. I recognized that any company offering those APRs were not going to last… I’m Coinbase all the way. Considering STRC soon. They’re (coin) not the best for trading but v secure. When trading or buying, def advise using the advanced feature or subscribing to their pro during bull market. I never think of FTX or Celsius as CeFi but yea I guess they were for sure. Shady af. I’m sure coin is too but publicly traded- they’re as good (safe bet, solvent, backed by US) as Morgan Chase if you ask me.. or as naughty 😈
Starting at 14 with a DCA mindset is incredible. Most people don't figure this out until their 30s or 40s. You're way ahead. To answer your question: strict DCA is solid, but one thing worth looking into is the Bitcoin Power Law. When the power law deviation is way above trend, it can be smart to set some cash aside or park it somewhere it grows (like STRC which yields around 11%) and then rotate that back into BTC when the deviation drops. Right now it's around -44%, which is historically a great accumulation zone. Just something to layer on top of your DCA as you learn more. If it helps, there's a free app called Never Sell Your Bitcoin (neversellyourbitcoin.com) that has a DCA tracker and accumulation projections. You can plug in your weekly amount and see what your stack could look like over 5, 10, 20 years. At your age with that time horizon, the numbers get pretty wild. Keep stacking and keep learning. Future you will be very grateful.
Go LONG in BTC. Do not go in MSTR. They have prettied up their words, and says STRC are mechanics that going to offer more and more stock offerings. There is a reason why Strategy Inc is able to pay wages including a 8M salary and 800k salary with no sales. I wont be suprised that thry will share the same fate as PGI just yesterday, if they are following the same schematics but with the stock market. Own the assest not the ads to the papers ststing thry can create Matter out of thin air by calling itself an Amplier. If stock acted like sound waves ( i know a different amplifier) eveeyone is always in the green or grey.
Estimates put STRC volume enough to buy 1,000 bitcoin today. Strategy is onto something clever here. Its a fixed/linear cost vs compounding returns. It's perpetual, no maturity dates, forced redemption, margin calls etc. And it allows them to pick up coins during bear markets. Good product if you are a company that wants more bitcoin. Bonus perk: it drives critics absolutely insane, Saylor will be harvesting their salt for years to come.
Apparently ‘asst’ is a good buy they also have a STRC equivalent too. But I’m going to stick to the biggest and baddest kid on the block and buy MSTR personally after I hit my btc target. Also ASST isn’t available on my brokerage account I want to use.
Be extremely careful with this OP. An asset like BTC has extreme volatility and if you if you don’t play on the safe side of this you’ll get liquidated and lose your stack like millions and millions of people have. But there’s ways you can take margin loans against your coins at reasonable rates and use that money to deploy elsewhere. A lot of people take loans at say 3-5% against their stack, and use that loan to put into something like STRC. STRC is Strategies preferred share that pays ~11% yield which would net you 6-8% interest you could use to either pay for personal things or invest more into BTC and increase your stack. If BTC continues to appreciate you can keep the cycle going. This is considered a non taxable event in most countries and still gives you access to liquidity without selling. On paper it’s a no-brainer but in practice people are doing this on the riskier side and getting caught with their pants down.
Don't ask for financial advice on reddit. Don't publicly disclose the amount of Bitcoin you hold. That being said, I'd look into STRC. But honestly, I think your utmost priority is to establish a solid stack of real Bitcoin. That will give you leverage to access credit in the future, because using your BTC as collateral is going to be a hell of a use case in the upcoming years. A quarter is solid, but if your financial situation allows it, I think you should go for a third, or 33.3 million SATs. Or maybe you want to diversify into other assets. We don't know anything about you, and that's why asking for financial advice on social media is dumb. Just my two cents. Sorry, my two SATs, rather.
STRC is back at $100 Market ain't worried about MSTR credit risk, but everyone else is.
Yes, debt is restructured all the time because companies financial health changes up and down. This is specifically referring to if MSTRs financial health worsens, by a lot. Even if Bitcoin doesn’t crash. I can hardly see debt holders willing to just roll over the debt at the same terms which means they either offer insane convertible terms or have to pay insane terms. For example they’re out of the money 2029 0% convertible bonds have an effective yield of 22%! And that is with bitcoin at 70k. Every time he raises the dividend on STRC it lowers the value of the other debt instruments because it lowers the chance those get paid back. This shit is over man. Might not be next week or next year and might not be a crash but a slow bleed. And the hilarious part is that of all the “treasury companies” MSTR is in the best shape.
Legislation and Institutions have worked to keep retail away. Institutions couldn't get involved until there was legal clarity and they were also concerned about volatility. Now Institutions have stripped the volatility which makes it boring. The other issue is also legislation - from intensifying AML enforcement the world-over to blocking certain domains/entities operating outside of enforcement. In India for e.g. they got ISPs to block domains. Taxation & surveillance has been another avenue to frighten off retail - being kicked off exchanges, funds frozen etc. Add in a few rug pulls, hacks and of course the bull run that never came and yeah, retail just don't see the point. They'll buy an ETF or add a MSTR/STRF/STRC to a portfolio but the heady days of easily making bank are over.
If I had 30k drop in my lap I'd do STRC 70% and SATA for 30% Regular cash flow from dividends then I can funnel that into a continued purchase.
Recovery will be swift in part due to ETFs and STRC.
this week was funded by sales of MSTR. i think they bought all 1142 before last week's crash. Today $STRC was over $99.70. At $100, Strategy will have an additional income stream from selling preferred shares. hoping to see a larger buy next week.
If you know any retirees and genuinely care about them, what percentage of their pension assets (if any) would you suggest to them to put into STRF or STRC for the 10 to 11ish % yield currently on offer?
To be fair, it doesn’t get as much attention because they don’t advertise for it like they do with STRC. Their ad blitz on STRC has been pretty incredible There’s bigger differences though. I believe the payments from STRC at NOT taxed as dividend payments, or even at all ?? I might have to re-check that but I remember Saylor talking about that. That alone pushes STRC over STRF There’s going to have to be a time where he lowers the payout on STRC and I probably wont dabble with it until I see how the stock reacts to that
They still don’t raise that much through STRC. Comparatively at least, to how much they raise through shitting out MSTR. Last week shows why STRC is still dicey… an 11% yield sounds great until the underlying goes down by 11% in a week I’m… interested but hesitant. I think the play might be to accumulate some when there’s a big dislocation like last week, but I need to see it trade more
STRF is the senior most instrument and if no dividend is paid, it gets carried over with compounding to the next period. So this one really has little chance of not paying out and even in a company liquidation, the holders will defo get made whole. STRC by its structure, is meant to adjust payout each month to keep it's price at par. Hard to see how they can get away paying that one. Of all the Strategy instruments, these two are definitely ones that have compelling propositions.
As far as I know, they have enough reserves to keep paying dividends for the next two years. They’re also not obligated to actually pay them. So if BTC fails to deliver for a year or two, people might not be so keen on buying STRC/F, especially if no dividends are being paid out.
What happens if some retiree puts all their available funds into STRC? They live happily ever after on 11.5%pa? While capital also protected by the stock being intentioned to trade near par? Or even safer, STRF with over 10% fixed yield and highest seniority.
Strategy has acquired 1,142 BTC for ~$90.0 million at ~$78,815 per bitcoin. As of 2/8/2026, we hodl 714,644 $BTC acquired for ~$54.35 billion at ~$76,056 per bitcoin. $MSTR $STRC https://x.com/saylor/status/2020846107685695931
He hasn’t been using convertibles for quite some time. His STRC product hasn’t raised THAT much money (relatively) and they have 2+ years of cash to pay for dividends and will just issue shares to pay for more The giant majority of his capital is raised through issuing MSTR shares. Which doesn’t really care about credit worthiness. He only cares if he can increase the BTC/share. The only thing that impacts whether they can keep going is if his mNAV stays above 1. Once it’s below, it’ll be a spiral I’m confused why you think he’s a credit risk or why his line of credit matters. People can have whatever opinion they want about issuing shares to raise money but it’s given them a lot of cash with very low debt and will probably keep going He rode out 2022-2023 when he was underwater too and then went on to not sell and the stock make new highs
I have been DCA'ing BTC for close to 8 years and will continue to do so. I have put most of my savings into STRC (use the monthly payments from that to buy more BTC. I then buy BTCI and BLOX weekly and let those snowball. I embrace the volatility of BTC with my DCA and feel the same with my BTCI and BLOX
Dude he cant be liquidated, just cant. Convertible debt have no liquidations price. STRC have 2,5 B usd reserve to pay dividends
Sorry I misread your message. Yes he’s been pushing STRC pretty hard. He’s not making money off it though, he’s just using it to buy more BTC, which doesn’t have a yield where he can make money off the delta like banks do. It’s just more dilution he’ll have to do
at those rates, and if you're a bitcoin bull, i'd look into some of MSTR's preferreds. STRC, to be specific, and make some money off the arb.
Microstrategy and their listed financing vehicles (i.e. STRC) are going to singlehandedly implode the the price of BTC and bankrupt MSTR. When peak financial engineering gets stress tested, the blowup is glorious. Grab your popcorn.
No one knows man. Lots of people insist 2nd half of the year will be bottom. Personally, I ignore that and deploy what I can when I can. Maybe I'll adjust my DCA when I get a new job. But all I know is I just continue DCA. My "lump sum" was when I first bought in 2023 after I talked with my wife. DCA, It's the most stress free way to win long term. Just remember to keep a healthy emergency fund, don't put it all into bitcoin. I put a portion of my E-fund into STRC for the 11.25% interest.
Don't think about top. It's like marrying top model or actress. Ain't gonna happen. Think about your average entry. The more you buy the dip, the lower the entry to your whole Bitcoin trade. It's not gonna go to zero hence it's going to millions. Just provide liquidity in your life so you don't have to sell prematurely. If you need the money in not distant future, STRC is better option.
I took advantage of this in December. I sold FBTC, purchased STRC, received two dividend payments at the end of December and January, and bought right back in to FBTC.
# Strategy raises STRC dividend as the preferred stock's price drifts below par # The dividend increase follows renewed pressure on STRC, which has been trading below its $100 par value. The title, and the first sentence.
The cash they have isn't to buy BTC at all. They do fresh ATM's every week to fund their BTC purchases. They already did a big raise last December to keep a couple year's worth of cash for STRC and other products they have There is nothing forcing them to sell within a remotely short time frame, even if BTC price gets halved. The next shot would be a year+ from now when their convertibles are due and I can guarantee they'll either refi or shit out more MSTR before he sells a single BTC. The dude is batshit crazy The risk from Saylor isn't to BTC it's to his "shareholders"
50% BTC 40% MSTR 20% STRC. 10% Margin
Once the common stock falls way below mNAV, Strategy will no longer be able to fund btc purchases with common stock sales. They will rely primarily on STRC at an increasing higher and higher dividend rate. Saylor just upped the rate to 11.25% to try to get more money. This is as ponzi as it gets. Big players are avoiding btc because of Saylor.
They are though. They’re buying his 10% yield STRC shares and all his little dilutive financial instruments. He’s creating volatility that can be arbitraged and played with by standard market players which draws in capital. I actually like Saylor because he’s essentially stealing from the rich and propping up an asset that your everyday person can own. The problem is that retail is dumb and not buying what he’s been saying to buy. Bitcoin. Actual bitcoiners shouldn’t care what he’s doing because he’s just permanent buy pressure for the underlying asset they own. The people who care are those who bought MSTR thinking it would go to the moon.
You could take one million today and retire anywhere. A 10% dividend on STRC means you’d never have to work again. Not to forget that Bitcoin always goes up so even holding it in Bitcoin you could spend it every year and never run out.
“At such a low mnav, he can not keep the BTC per share up anymore” Pardon my extreme ignorance here, but since it’s still above 1.0 mnav, isn’t the opposite of this sentence actually happening? Additionally, isn’t STRC accretive to the common stock? Lastly, why do we believe the mnav is going to stay at its current level forever and cant ever go up? Is that how we feel about the 700,000 BTC they’re holding, too? I’m looking forward to being educated here.
Hey man, I’m a retired veteran, I’m not pushing that though. If you understand you’re truly trading a chunk of your soul and personality, permanently for that security, then it is a way. The US has a shortage of CPAs right now, especially qualified in crypto. It’s not something an AI company can provide assurance of since there’s so much variety in the tax code. All jobs that require hand tools and skilled labor are still going to be around for a long while. Mechanics, plumbers, electricians, robotics techs… anything like that. Personally on crypto, I like the explosion of digital mining. I use GoMining, their miners start at $25, it’s been good to me. It’s very slow but very steady, guaranteed payouts, 1TH of power is about $0.04-$0.06 depending on the day. Sure, I could have made more just dumping my cash in Bitcoin but I know how I am. When it pops big enough I sell for bills. With mining, I’m constantly getting crypto. I don’t want to self promote because that’s usually frowned on but if you message me I can give you a tiny discount code. Another alternative is sazmining. Look for ones that let you OWN (not rent) the power. Also look for where their servers are located, stay with countries that lean away from communism - just is what it is there. Watch financial YouTubers especially those into crypto. Most of the simply Bitcoin guys are good, Mark Moss, check out Anderson advisers for legal (they cost about $3k). Start watching Michael Saylors talks. Learn about STRC. They pay an 11% dividend on $100 invested, it is tax deferred income until you sell. Nothing gets a rate like that and it directly supports bitcoin. MSTR is low now, but learn about that too, it’s a leveraged position on strategies Bitcoin holdings - any of these are accessible with a free fidelity account. However you do it, invest now and do it rabidly. Change is scary, we don’t remember monetary Shifts, they’re a once in a lifetime opportunity. When it feels too much, try to reframe it as gratitude that you understand (at your young age) what we have here, a real chance to pull ahead and dismember these dinosaurs. Find your retirement number - what you will need every month in cash flow to survive at 85. We have like 9 million people over 85 now, by 2050 that’s projected to be around 21m. People are living longer than ever, your chances of making it that far are high. That’s what you must set up whether dividend, mining income, or investment interest. I’ve met the most unassuming looking guys driving Kias and looking like they could be impoverished who were quiet millionaires, fidelity did their report on them - it’s mainly consistent investors who stayed the course through up and down. Whatever you do, do with conviction, stay the course, and research hard yourself. Don’t live like others now and you’ll live like others can’t later. You got this.
Is Adam Livingston an influencer. I want to try out his retirement strategy. 80% STRC 10% MSTR 10% Spot or IBIT. Blow up my retirement.
My point stands, that shitload of 11 trillion will be competing with stable coins. Those money market accounts will be competing with things like MSTR's STRC preferred. short-term transactional funds can still stay in stable coins.
AI Long Answer: +7 STRC (often referred to as "Stretch") is a Variable Rate Series A Perpetual Preferred Stock issued by Strategy Inc. (formerly known as MicroStrategy, MSTR). Launched in July 2025, this instrument is designed as a high-yield, income-focused asset that aims to maintain a stable share price around a $100 par value, effectively operating as a Bitcoin-backed "stablecoin" or cash-alternative with high, variable dividends. Key Characteristics of STRC: High Yield with Monthly Payouts: STRC pays a high variable annual dividend, often in the 10%-11% range as of late 2025, which is paid monthly. Price Stability Mechanism: The dividend rate is adjusted monthly by Strategy's board to encourage the trading price to stay near $100. If the price falls below $100, the dividend may be increased to attract buyers; if it rises above $100, the dividend might be decreased. Bitcoin-Backed: The proceeds from the sale of STRC are used by Strategy to purchase Bitcoin. The stock is intended to be heavily over-collateralized by the company's significant Bitcoin holdings. Perpetual Structure: As a perpetual preferred stock, it has no maturity date, meaning it does not need to be redeemed by the company at a specific time, though it is callable at $101. Capital Stack Position: STRC is considered a senior security compared to the company's common stock (MSTR) and other more junior preferred shares (STRD, STRK), but it sits below debt holders. Risks and Considerations: No FDIC Insurance: Unlike bank deposits or money market funds, STRC is not insured by the FDIC. Variable Dividends: The income is not guaranteed and can change monthly based on the board's decisions and market conditions. No Hard Peg: While designed to stay near $100, it is not guaranteed to remain at that price, and it can fluctuate. Exposure to Bitcoin: While providing high yield, it is tied to the success of Strategy’s Bitcoin accumulation strategy.
They may not have any loyalty to the little guy. Saylor has a good chunk of stock, as well as other board members who I heard one of which just bought a good chunk of MSTR with their own money…. So they do care about share price, and SATs/share. Carl Rickertsen bought 5,000 shares of MSTR common stock for approximately $779,395 (at an average price of about $155.88 per share) around January 12-13, 2026. This was his first purchase in over 3.5 years. Jane Dietze bought 1,000 shares of preferred perpetual stock (STRC/Stretch) for ~$99K at $99.48. - This one is Not MSTR stock, it does also show belief in how MSTR is raising money to buy BTC. STRC is currently paying an 11% yield. Many people with Bonds that pay 4.5% would do better putting 10% of those bonds into STRC. Even better in a taxable account since the dividends are not taxed until you sell. (Make sure to hold >1 year to pay lower taxes)
So you’re saying they will just keep borrowing against their bitcoin to pay the interest of STRC and all other dividend based product. What happens when btc price drops more and more, which forces them to increase their collateral, and where are they getting the money to repay those loans?
Put your savings into STRC take the 8-10%monthly payout, buy BTC, loan out the BTC buy more STRC wash and repeat
River offering 200% supercharged dca fee free has been amazing. Stacking hard on down days. Fixed my watch only wallet issue and I have my free auto withdrawal setup again. STRC offering 11% monthly interest has also been amazing... tax deferred means I don't pay taxes until I sell (or at least a long time, around 9 years at this rate, I think). If I keep reinvesting/compounding, it continues to grow and extends that 9 year time horizon indefinitely until it's time I decide to sell. I've placed around 40% of my 12 month emergency fund/savings into it. I'm tempted to move a little more into it. I don't like having so much "cash" and STRC has had far less volatility compared to a couple months ago. No matter what happens, I feel great. Bring on the deep bear market or the super cycle. My body is ready.
What’s the benefit for the common stock shareholder? You’re referring to products like Stretch(STRC).
STRC acting like a safe heaven is pretty interesting
STRC is still at $100 today even with this dip in bitcoin, this is interesting. Saylor is going to suck up a lot of supply with this. Last week he got the mined supply with STRC alone.
He has specifically said he has no interest in being a bank or doing any of the above. He has actually said it would be a bad thing to do. He genuinely thinks STRC is their iPhone moment and will become the biggest product of all time, or at least that’s what he says to get more investors. I genuinely don’t know what the pay off for mstr investors is supposed to be, their only real revenue is btc going up and they have said they’re never selling it so that’s irrelevant. I guess that’s why the stock is doing so bad, what are you even investing in.
Those are good numbers for STRC. Another 1.8 billion in common stock dilution though, yikes.
That's nuts. Only $294 million from STRC. This is essentially the speculative attack.
He is borrowing at 11% by selling STRC to buy btc.
I was thinking this seemed too small a profit based on the jump in price. I did the math myself, then double checked with AI. Looking at determining real custody of Bitcoin, or going with an ETF like BTCI or STRC for weekly income. Of course the math depends on how fast Bitcoin rises to $120,000 level. I am thinking it will sometime this year. The advantage of owning Bitcoin would be as a hedge against the Dollar which contacted 10% last year, I believe. Can't afford to keep losing 10% of value in my cash.
Don’t forget to factor in strategy and STRC. They are buying bitcoin faster than it can be mined
I bet this most recent buy is bigger based on MSTR common volume and STRC par value volume.
Yes, but I have my portfolio broken down into 75% STRC and the rest in MSTR and BMNR (About 15% MSTR and 10% BMNR). So fully exposed to BTC and ETH through DATs
80% the rest is in STRC for yield
BTC & STRC only. STRC for saving, BTC for store of value/growth. Been thinking about Tesla stock. But have a feeling in 2036 I’ll regret investing in TSLA over BTC.
2500 from STRC alone would be wild. What will it take? The price sharply running away from them, I would imagine. Reactive vs proactive thinking.
I think a lot of eyes will be on STRC this week. Estimates peg the amount sold at enough to buy 2,500 bitcoin. That's a big purchase without tapping the common stock ATM. Let's see how the actual numbers look on Monday. That just becomes a black hole for money that wants 11% fixed return, sucking up all bitcoin in it's path. Not great for bitcoin, but good for NGU I guess.
It's funny to hear someone doing almost the same thing as I am. The only difference is that I intend to sell one-twelfth of my STRC each month and use the yield plus proceeds from the STRC sale to purchase FBTC. I don't think the fluctuation in price will be predictable enough for me to try your idea. I could be wrong though.
It is designed to trade at par (by selling off STRC/raising dividend) so you in theory you could lose on transactions costs. It could also protect you for a drop in the price of STRC. I think a lot of people who like bitcoin will use this product and when bitcoin will be very attractive sell STRC at the same time. My two cents.
MSTR, or STRC/STRF, depending on your risk appetite at this time.
I’m trying to convince my father to buy STRC as a gateway drug
What about STRC though. If you’re just talking yield and want stability also, it’s paying 11% this month. It pays monthly and the share price is pegged to $100 per share. If the share price drops then they crank the yield even higher.
Dude, STRC is the best Fiat investiment available
I agree, but STRC is not a stablecoin, it’s a security
For Trad Fi retirees or those near ur, the bear alternative aside from IBIT in their portfolio would probably be STRC as a TBill alternative. Currently paying 10% annual or just north of. Backed by the full faith and credit of the BTC Blockchain and the fact that Strategy owns such a large percentage of it. They have enough collateral for several hundred years of dividends, and as long as governments keep printing (they will) they will always be able to borrow to pay the dividends or buy more BTC to drive up price and equity. STRC will float between 98-100.05 most days. When it is over $100, they sell more and buy BTC. When it is under 100, they have the cash to do a buyback(when mNAV is less than 1) of MSTR or they can increase the dividend. Works like this: Sell 1000 STRC for 100, 000. Buy 1 BTC. Have a few thousand to spare. At 10%, the annual dividend is $10. Monthly dividend is thus 0.83. So pay $830 in dividends. $3000 or so leftover can cover several months more dividends. You are going to sell even more STRC in the process. With T Bills, you buy a $100 share and are then paid a rate (lower) than STRC. They will just print the money to pay the TBill holders. With STRC, you buy $100 share. BTC will go up infinitely because the counter Asset, USD, will be increased ad infinitum
STRC is also called stretch. here is a video by Adam Livingston that explains it. Too much typing for me. https://youtu.be/tfytvQXI2DQ?si=R-bu37ntMIq3d2e_
Why should most parents give a shit about a decent yield when their property has gone up like 500% since they bought it on one income in the 70s/80s/90s? THAT was their yield. We don't get that but we DO get things like BTC, super easy low cost access to ETFs, brokers etc and new products like STRC which give 10% yield. But yes, the banks have indeed been scamming for centuries, and will continue to do so. Why do you think they are so keen to shackle BTC? So they can manipulate the hell out of it like everything else.
Depends on your desire. I like Bitcoin-related strategies that support the ecosystem, so would further break it down by the following subcategories: Short-term life spending = Cash / USD stablecoin Long-term savings = Bitcoin / IBIT. Get actual BTC if you have self-sovereignty interests. Income = STRC or SATA or some Bitcoin-related preferred equity with dividends Investment = MSTR or other Bitcoin treasury companies
If bitcoin goes to some number... I'm converting a certain amount to fiat, buying something like STRC, REITs, or some other dividend payers... living off those dividends, keeping the majority of my stack, and buzzing off. There will be people that never see me again at that point. We can talk about the USD losing its value yearly, but it'll still have a place at the world table for years to come before everyone abandons it.
I think some of it has to do with STRC starting to take off. Boomers and high net worth individuals definitely find it attractive to be able to park their money somewhere with a guaranteed return of 11%. As long as that stock stays over $1/share, Michael Saylor is buying up a shitload of Bitcoin with it. On the reg. This, plus banking institutions adopting Bitcoin in masse, the clarity act on the horizon, fed chair exiting soon, tax implications staved off for another year….everything points to a very nice Q1.