Chapter 22
MSTR vs STRC
MSTR and STRC come from the same company and are both backed by Bitcoin. But they do completely different things.
Side by side
| MSTR | STRC | |
|---|---|---|
| Potential upside | ~40% per year | 11.5% per year |
| What it does | Grows with Bitcoin (amplified) | Pays you steady income |
| Price movement | Wild — can swing 20% in a week | Stable — stays near $100 |
| Worst drop | -75%+ | -12% |
| Best for | Long-term growth | Steady income |
| How to buy in Europe | NASDAQ (most brokers) | 21Shares ETP (Euronext) |
Which one is right for you?
MSTR if:
- You believe Bitcoin will keep going up over the next 5-10 years
- You can watch your money drop 75% and not sell
- You want maximum growth and can wait
STRC if:
- You have cash sitting around earning 2% in a savings account
- You'd rather earn 11.5% without wild price swings
- You want steady monthly income — whether for a year or for retirement
Both if:
- Different money serves different purposes
- MSTR for long-term growth, STRC for short-term parking
How I use them
I hold MSTR because I believe Strategy is massively undervalued. The flywheel, the mNAV, the BTC Yield — the market hasn't priced in where this is going.
I see STRC as the best alternative to a savings account. 11.5% instead of 2%, backed by the world's largest Bitcoin treasury.
They're not competing. MSTR is for growth. STRC is for income.
The bottom line
Both carry real risks. Neither replaces the ETF foundation from the first part of this guide.
But if you believe Bitcoin will keep growing, Strategy gives you ways to amplify that growth or earn steady income from it — through a regular stock, not a crypto exchange.
This is what I do. It's not what everyone should do.