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[Michael Saylor Suggests Governments Use Bitcoin Reserves to Develop Digital Banking Systems] MicroStrategy founder Michael Saylor proposed at the Bitcoin MENA event in Abu Dhabi that countries utilize over-collateralized Bitcoin reserves and tokenized credit instruments to create regulated digital bank accounts. He pointed out that the current low returns on major market deposits are driving investors toward corporate bonds. His envisioned structure includes 80% digital credit instruments and 20% fiat currency, with a 10% reserve buffer. Saylor stated that the accounts would be backed by 5:1 over-collateralized digital credit, and countries offering such products could attract $20 trillion to $50 trillion in capital inflows.