**'Bitcoin Standard' Author Challenges Michael Saylor: Should Banks Offer Yields on Your BTC?**

Two leading Bitcoin thinkers are taking opposing views on whether banks can – or should – offer sustainable yields on customers’ BTC deposits.

MicroStrategy executive chairman Michael Saylor argues that Bitcoin could become a “perfect form of capital” and generate returns through digital banking services.

In contrast, Saifedean Ammous, author of the popular book “The Bitcoin Standard,” argues that sustainable yields are not possible with a fixed-supply asset like BTC.

Saylor believes that if major banks were backed by the US government, they could offer “risk-free” 5% yields to customers without selling BTC.

However, Saifedean remains skeptical, arguing that the model cannot work without a “lender of last resort” – a central bank that can print money to bail out insolvent commercial banks.

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