MicroStrategy founder Michael Saylor has proposed a Digital Assets Framework for the United States that includes establishing a Bitcoin reserve he claims could create as much as $81 trillion for the country’s Treasury.

“A strategic digital asset policy can strengthen the US dollar, neutralize the national debt, and position America as the global leader in the 21st-century digital economy,” Saylor said in a Dec. 21 X post .

Saylor’s crypto framework proposes establishing a strategic Bitcoin ( BTC ) reserve “capable of creating $16 to $81 trillion in wealth for the US Treasury, providing a pathway to offset national debt.”

Under Saylor, MicroStrategy has amassed over 439,000 BTC, currently worth well over $41 billion, which has sent the company’s stock price soaring this year alongside the cryptocurrency. He pitched Microsoft on buying Bitcoin, an idea that its shareholders killed .

Saylor’s proposal defines six distinct categories: digital commodities such as Bitcoin, digital securities, digital currencies, digital tokens, non-fungible tokens ( NFTs ) and asset-backed tokens.

The framework aims to establish clear roles for issuers, exchanges and owners, defining specific rights and responsibilities for each participant type while emphasizing that no participant can “lie, cheat, or steal.”

It also provides a streamlined compliance approach and proposes compliance cost limits with a maximum of 1% of assets under management for token issuance and 0.1% annually for maintenance.

“Digital asset regulation must prioritize efficiency and innovation over friction and bureaucracy,” the proposal says, advocating for industry-led compliance rather than direct regulatory oversight.

Saylor floats US crypto framework with $81T Bitcoin reserve plan image 0

Excerpt from Saylor’s Digital Assets Framework. Source: Michael Saylor

It also says that the US has an opportunity to “catalyze a 21st-century capital markets renaissance, unleashing trillions of dollars in value creation.”

It aims to dramatically reduce issuance costs from millions to thousands and expand market access from 4,000 public companies to 40 million businesses with an emphasis on rapid asset issuance. 

Finally, the crypto framework aims to help position the US dollar as the global reserve digital currency. It also aims to expand global digital capital markets from $2 trillion to $280 trillion, “with US investors capturing the majority of this wealth.”

Related: MicroStrategy’s Saylor hints at first Bitcoin purchase above $100K

“By establishing a clear taxonomy, a legitimate rights-based framework, and practical compliance obligations, the United States can lead the global digital economy,” the proposal concluded. 

Still, serial Bitcoin detractor Peter Schiff said the proposal was “complete bullshit,” before adding that it “would do the opposite. It would weaken the dollar, exacerbate the national debt, and make America a laughing stock.” 

MicroStrategy is the largest corporate holder of Bitcoin and has an aggregate portfolio profit of 54%, according to SaylorTracker. 

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