In an interview with BTC Sessions, MicroStrategy executive chairman Michael Saylor projected that Bitcoin’s base layer will evolve into an institutional settlement rail dominated by the world’s largest banks, technology platforms and sovereign actors. Responding to a forward‑looking question about how ordinary users will interact with Bitcoin over the coming years, Saylor sketched a future in which direct on‑chain activity becomes the province of “mega” institutions while retail usage migrates to layered infrastructure.
In that scenario, he continued, “Cit[i] would be moving billions of dollars of Bitcoin” among large financial counterparties, and “Microsoft will move billions and tens of billions of [dollars of] Bitcoin between Microsoft and Google in order to work through some… technical issue.” Payment networks would also participate: “Visa, any of the payment networks, they’ll have massive amounts of Bitcoin.”
Saylor’s comments extend his well‑known thesis that Bitcoin’s maturation will be driven less by retail speculation and more by structural integration into global capital and payment systems. In the institutional end state he described, the presence of large technology companies, major commercial and central banks, and governments moving “large amounts of Bitcoin” on‑chain would mark a shift in who directly touches the base protocol—an evolution he portrays as the logical consequence of Bitcoin’s consolidation as a neutral, high‑value settlement layer beneath a dense fabric of scaling and custodial services
At press time, BTC traded at $117,363.
