Matt Cole, CEO of asset manager Strive, is betting that digital credit dividends will soon overtake money market accounts. He laid out the prediction this week, arguing that Strive's daily dividend model makes traditional yield products look outdated. The claim is bold — and it rests entirely on crypto markets holding steady.
The prediction
Cole said digital credit dividends will surpass money market accounts in terms of returns and adoption. Money market accounts have long been a safe harbor for cash, but Strive sees an opening. Its model pays out dividends daily, not monthly, which Cole believes will draw yield-hungry investors away from banks.
How the model works
Strive's system is built around daily compounding. Instead of waiting a month for interest, users get a slice every day. That's a big shift from the norm. Cole thinks the structure is more transparent and aligns better with crypto's 24/7 nature. The question is whether it can deliver consistently.
Why Bitcoin matters
None of this works without Bitcoin. Cole acknowledged that the model's success hinges on Bitcoin's stability and on broader market diversification. If the price swings wildly, daily payouts could become unpredictable. That's a real risk. Strive needs a calm market to make the math work.
For now, the bet is on continued maturation of crypto markets. Whether that bet pays off is still open. Cole's prediction is out there — the market will have to answer it.
