STRC

STRC is Strategy's other stock. While MSTR is a wild ride, STRC is the opposite: it stays near $100 and pays you 11.5% per year.

Think of it as a savings account — but instead of being backed by a bank, it's backed by the world's largest Bitcoin treasury.

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How it works

STRC is designed to hover around $100. You buy it, and in the US you get paid a dividend every month. Right now that adds up to 11.5% per year — and it's tax-deferred, meaning you don't pay tax until you sell.

If the price drops below $100, Strategy raises the interest rate to attract more buyers. If it's above $100, they can lower it. The price stays stable because the interest rate does the work.

Think of it like an MSCI index fund, but without the big swings. Your money stays near $100, and you always have access to it — there are no dips to wait out.

As of May 2026, STRC trades at $99.99. The mechanism is working.

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Why STRC exists

STRC isn't just a product for investors — it's the engine of Strategy's flywheel.

In the early days, Strategy bought Bitcoin by selling new MSTR shares. Because they sell at a premium (mNAV above 1x), this actually increases the Bitcoin behind each existing share — it's accretive, not dilutive. But STRC is an even better tool: as long as it trades near $100, Strategy can keep selling more of it and use that money to buy more Bitcoin — without touching MSTR at all.

They pay you 11.5%. Bitcoin grows ~30% per year. Strategy keeps the difference. The more STRC they sell, the more Bitcoin they buy, the stronger the whole company gets.

The goal is to power the entire flywheel through STRC — and so far, it's working.

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Can they actually keep paying?

Let's do the math. As of May 2026:

That cash reserve alone covers over 2 years of dividend payments, even if they never raised another dollar.

But the real plan is simpler: they keep selling more STRC. Every $100 they raise costs them $11.50 per year in dividends. They use that $100 to buy Bitcoin, which they expect to grow ~30% per year. The ~20% difference is how they fund everything and keep growing.

The risk? If Bitcoin crashes badly and stays down for years, the math breaks. But in normal conditions — even bearish ones — the numbers work.

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The bigger picture

Most people don't see this yet. They look at STRC and see a yield product. But Saylor is building it as a base layer financial product.

The idea: banks and financial institutions buy STRC, then repackage it into their own products — structured notes, yield funds, savings alternatives. STRC becomes the building block underneath.

The more institutions that buy STRC, the more demand there is, and the more sustainable the whole system becomes. This is why Strategy is still hugely undervalued — the market hasn't priced in what STRC could become.

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How to buy it in Europe

Buying STRC directly on a European broker is tricky. In Belgium, you'd pay 30% tax on every dividend.

The better option: 21Shares wraps STRC into a product that trades on a European exchange. Their wrapper is accumulative — instead of paying out dividends (and triggering tax), the yield gets added back to your principal. Your investment compounds automatically, just like an accumulating ETF. No dividend tax, no paperwork.

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Compare it to what your bank pays

That's roughly 5 times more than a savings account. The trade-off? Your money is backed by Bitcoin instead of a government guarantee. You need to be comfortable with that.

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Key takeaway

STRC is not for growth. It's income. You park your money, and it pays you 11.5% per year without the crazy swings of MSTR.

For some people, that's a place to put cash for a year or two. For others, it could be the instrument that pays for their retirement — a steady monthly income, backed by Bitcoin, without ever selling a share.