저자: MichaelSaylor · 외국인
요약 보기
Saylor는 비트코인을 담보로 한 대출이 확대되면 은행이 비트코인을 자산으로 인정하게 되고, 규제 당국과 정치 리더십의 우호적 발언이 기관 채택을 촉진한다고 주장한다. 기업들이 비트코인 매입을 위해 대규모 자금을 은행에 맡기는 시나리오를 제시한다. 근거로 과거 비트코인 가격(4만 달러)과 주택담보대출 금리(2.5%) 사례를 든다.
다듬은 글
they'll let you post the Bitcoin is collateral against your house or your or your a mortgage and you'll be able to to uh I think refinance your mortgage maybe to 100% loan to value or 120% loan to value by putting the Bitcoin is collateral like right now if you go to some of these Banks and you had a $5 million house and uh and you wanted to borrow money might say well I can loan you 70% or 60% I'll loan you $3 million against the house at um the best interest rate it used to be 2 and a half% by way when I told people to take mortgages and buy Bitcoin Bitcoin was 40,000 and the mortgages were 2 and a half% interest I took infinite crap for that by the way infinite um well so you want to buy the you want to borrow the 3 million what they say is I'll give you a loan for 3 million against the house or you or I'll make the mortgage 5 million if you post some Securities like Apple stock if you want to post t- bills or Apple stock or the SNP ETF they will give you a $5 million mortgage at 2 and a half% interest and you could have done that with those institutional gr assets imagine a world where you can top up your mortgage with Bitcoin borrow it three or four or 5% interest for 10 to 30 years right and and what's the requirement the banks got to custody that they got to custody the Bitcoin they got to recognize it as an asset that's just as good as Apple stock just as good as a t- and so I think you know we're Rippling where we get a couple more uh improvements on the ETFs will be at 100% you know a few years from now we'll be at 100% in accounting and people be comfortable with that you know once once The Regulators you know when they start to repeat what Robert F Kennedy said yesterday and what Donald Trump said today which is Bitcoin is digital property Bitcoin is freedom Bitcoin is virtuous we're not going to sell our Bitcoin when they say that the banks pay attention Okay the banks you know you got to look at this is the banks are looking to the regulator the regulator is looking to the president the administration when the President says you know this is sketchy stuff you know it's used by criminals the banks take that you know and they pay attention and you know what happens if you don't pay attention the signature and silvergate Bank both actually were very Pro Bitcoin and pro crypto and they got out on a limb and the regulator shut down the two Banks right and so you can see why banks are conservative you can see why public companies are conservative the SEC the cftc the OCC and the FDIC matter political leadership matters rhetoric matters so the words have changed and Bitcoin is good for the America if it's good for the dollar if it's good for the countries Prosperity if it's going to grow the economy if that's the case we're going to see all of those switches flip those all became Catalyst and now you have the three planks of institutional adoption and now I want to make an observation City Bank is from is based on National City Bank and do you guys know the origin of nation City Bank the head of National City Bank was John D rockefeller's brother and National City Bank was the bank set up by John D Rockefeller because he didn't want to trust his money with JP Morgan and so that happened more than a hundred years ago people that do business with these banks sometimes keep the same bank for a hundred years JP Morgan City Bank they're more than a 100 years old so a CFO they want to do business with a bank they trust and the world that I'm seeing is a world where Google generates a billion dollars a month and they send a billion dollars a month to City Bank or JP Morgan and they say buy a billion of Bitcoin and it's like a billion a billion now it's two billion a month then meta sends
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