Borrow against your bitcoin at 7.25% APR. No fixed term, no monthly payment.Open a credit line
Digital Credit

Earn up to 14%.
Get paid in bitcoin.

Put your idle savings to work. Reinvest your income to stack more bitcoin, or use it however you choose.

What is Digital Credit?See your income potential

Illustrative figures.

Payment calendar
October 2026
3
410
111217
1824
25

PaidScheduled

  • Daily to quarterly payments
  • No fixed holding period
  • Invest with bitcoin or stablecoins
  • Tax-deferred

Choose what fits your portfolio

  • SATAStrive

    Get paid every business day.

    13.08%current effective rate

    • Every U.S. business day
    • Variable rate
    • Cumulative

    For investors who prioritize price stability. Strive may adjust the rate monthly to support trading around its $100 stated amount.

    View SATA
  • STRCStrategy

    Get paid twice a month.

    12.59%current effective rate

    • Twice a month
    • Variable rate
    • Cumulative

    For investors who prioritize price stability. Strategy may adjust the rate monthly to support trading around its $100 stated amount.

    View STRC
  • STRDStrategy

    Prioritize higher current income.

    14.67%current effective rate

    • Quarterly
    • Fixed rate
    • Non-cumulative
    • Junior preferred

    For investors seeking higher current income who accept a more junior position and non-cumulative distributions.

    View STRD
  • STRKStrategy

    Earn income with equity upside.

    11.76%current effective rate

    • Quarterly
    • Fixed rate
    • Cumulative
    • Convertible preferred

    For investors seeking income with MSTR upside. Each share is initially convertible into 0.1 MSTR share, subject to adjustment.

    View STRK
  • STRFStrategy

    Move higher in the capital structure.

    10.42%current effective rate

    • Quarterly
    • Fixed rate
    • Cumulative
    • Senior preferred

    For investors prioritizing seniority. It ranks ahead of Strategy's other preferred securities and pays a fixed cumulative dividend.

    View STRF

Illustrative figures.

How much could you get paid?

Investment amount
Choose a security
Estimated income
0USD
per business day
0USD
per month
0USD
over one year

≈ 0.0424BTC over one year, paid in bitcoin.

+13.08USD

Estimates, not a forecast. They hold SATA's current rate for a year, which a variable rate need not do, and space payments evenly. Distributions are declared by the issuer and are not guaranteed. Income only: it excludes any change in SATA's own price and assumes nothing is reinvested.

Invest in SATA

Illustrative figures.

See what supports your payments

Payment support

Strategy

0.0years

of treasury dividend coverage

Based on $69.53 billion in reported treasury reserves and $1.68 billion in current annual preferred dividend obligations.

STRC · STRD · STRK · STRF

  • $69.53Btreasury reserves
  • $1.68Bannual dividend obligations
  • 2.8 yearscash coverage
  • 38.4 yearsbitcoin coverage
See reserves and full calculation
  • $4.80Bcash and marketable securities
  • $64.73Bbitcoin reserves

Treasury coverage is calculated by dividing reported treasury reserves by current annual preferred dividend obligations. Strategy publishes its reserves and every input to its dividend bill, but not the bill itself. It is summed here from each preferred's notional times its stated rate. Strategy carries debt ranking ahead of these dividends.

strategy.com/credit
Payment support

Strive

17.3years

of treasury dividend coverage

Based on $1.76 billion in reported treasury reserves and $101.78 million in current annual preferred dividend obligations.

SATA

  • $1.76Btreasury reserves
  • $101.78Mannual dividend obligations
  • 18 monthscash coverage
  • 15.8 yearsbitcoin coverage
See reserves and full calculation
  • $152.67Mcash and marketable securities
  • $1.61B · 20,246 BTCbitcoin reserves

Treasury coverage is calculated by dividing reported treasury reserves by current annual preferred dividend obligations. Strive publishes the obligation, the treasury reserve, and both coverage figures directly. Only the cash reserve in dollars is calculated here, as its published cash coverage of 1.5 times the annual obligation. Strive reports no debt ranking ahead of these dividends.

strive.com/treasury

Illustrative figures.

Why you should consider Digital Credit

  • Stack more bitcoin

    Put your excess savings to work and automatically DCA into bitcoin on a regular schedule.

  • Earn more yield

    Get more out of your savings. Earn higher yields than HYSAs, money markets, and Treasury bills.

  • Stay more liquid

    Sell at the market price and access your money when you need it.

  • Defer more taxes

    Keep more of your money. Some distributions may be treated as return of capital. Consult your tax advisor.

Choose your security

From idle savings to bitcoin income.

  1. 01

    Fund your account

    Deposit USDC, USDT, or bitcoin.

  2. 02

    Compare securities

    Review income, payment schedules, and risk.

    STRD14.67%SATA13.08%STRC12.59%STRK11.76%STRF10.42%
  3. 03

    Invest

    Choose the security that fits your portfolio.

    SATA13.08%STRCSTRD

    Sell when you choose. There is no fixed holding period. Selling remains subject to market availability and liquidity.

  4. 04

    Get paid in bitcoin

    Receive eligible distributions in bitcoin.

    Start earning

What is Digital Credit?

Income from bitcoin treasury companies.

Digital Credit is a category of publicly traded preferred equity issued by bitcoin treasury companies. Today, that includes securities issued by Strategy and Strive, traded on exchanges such as Nasdaq. These securities generally sit behind debt and ahead of common equity in an issuer's capital structure.

Unlike common shares, which are primarily designed to capture upside, Digital Credit is designed to provide recurring income. Each security has its own rate, payment schedule, seniority, and protections.

On Roxom, you can access tokenized versions of securities such as STRC, STRK, STRD, STRF, and SATA using bitcoin or stablecoins, compare them in one place, and receive eligible distributions in bitcoin.

Explore Digital Credit
The capital stack: debt, then Digital Credit, then common equity.
DebtSenior contractual claims
Behind debtDigital CreditIncome-focused preferred equity
Ahead of common equity
Common EquityResidual ownershipCapture upside

Understand what you're buying.

Digital Credit products can lose value. Rates, payments, market prices, and liquidity can change, and distributions are not guaranteed. On Roxom, you are buying a tokenized representation of the underlying security, not the security itself. Review how the product works and the underlying security's terms before investing.

  1. 01Tokenized assetsHow tokenized assets work
  2. 02DistributionsHow distributions work
  3. 03Risk noticeRead the general risk notice

Digital Credit frequently asked questions

Digital Credit is a category of preferred equity issued by companies that hold bitcoin as a primary treasury asset and traded on public exchanges such as Nasdaq. It sits behind debt and ahead of common equity in the issuer's capital structure, and pays a stated distribution rate rather than tracking the company's share price.

On Roxom you access tokenized versions of these securities using bitcoin or stablecoins, and eligible distributions are paid to you in bitcoin.

More ways to put your bitcoin to work.

Get cash. Keep your bitcoin.

Borrow against your bitcoin at 7.25% APR without selling. No fixed term or monthly payments. Your bitcoin is never lent out. No-liquidation loans available through our OTC desk.

Open a credit line

Trade stocks, ETFs, and crypto

Research and trade AI stocks, bitcoin treasury companies, broad-market ETFs, commodities, and crypto. Fund with bitcoin or stablecoins and move directly between assets in a few taps.

Go to markets

Turn stock dividends into bitcoin

Buy dividend-paying stocks. Track upcoming payments, estimate your income, and receive dividends in bitcoin.

Explore stock dividends

Borrow. Invest. Keep the spread.

Use a credit line to fund a carry trade with Digital Credit without selling your bitcoin. Compare the income from STRC, STRK, STRD, STRF, and SATA against your borrowing cost before you decide.

Open a carry trade

Illustrative figures.

Roxom payment record

0sats paid

Illustrative figures.

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