Mark MossChief Bitcoin Strategist Satsuma | Partner BTCOppFund | ArchLending | BlockwareTeam | 100M+ YouTube

Everybody Wants a Bank Account That Pays 10%

14 Jun 2026 · 1 min

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0:51

In this segment of a finance‑focused YouTube discussion, the speaker outlines the widespread desire for a short‑term, high‑yield cash‑like instrument. He compares current bank deposit yields across major jurisdictions—Japan (≤0.5 bps), Switzerland (‑0.5 bps), Europe (≈2 bps), and the United States (≈4 bps)—and points out that investors are willing to lock money for 6‑9 months in exchange for a 10 % return. He proposes creating a treasury‑preferred digital credit product aimed at corporate treasurers and retirees, leveraging the massive U.S. short‑term Treasury market (about $30 trillion) that currently earns the SOFR rate. The speaker frames this as a high‑potential product that could capture the demand for a “bank account that pays 10 %.”

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What does everybody want? Everybody kind of just wants— I've got some money I need to park for the next 90 days. If I put it in the bank, if I put it in the bank in Japan, I get 50 basis points or less. I put it in the bank in Switzerland, I get -50 basis points. I put it in the bank in Europe, I get 200 basis points or less. If I put it in the bank in the US, I get 400 basis points or less. And so what I'd like to do is put it in some kind of structure where I'm going to get my money back in 9 months or 6 months or whatever. The principal's not going to move around, but I'm going to get 10%. Right. Everybody wants a bank account that pays 10% instead of 4% or 2% or 0%. I think the most interesting product that you can create, the most interesting digital credit product is a treasury preferred credit instrument for corporate treasurers or for retirees. And how big is that, Mark? It's like $30 trillion in the US of just short-term treasury money. So $30 trillion in the US that's getting paid SOFR.