Michael Saylor has expanded his "Digital Assets Monetary Spectrum" into a broader framework that divides digital assets into four separate markets competing with traditional financial products for wealth, income, savings and payments. In Saylor's model, Bitcoin is digital capital and competes for wealth against stocks, real estate, gold and art. STRC is digital credit and competes for income against bonds and private credit. Digital money competes for savings against money-market funds and Treasury bills, while digital currency competes for payments against cash and bank deposits. Saylor previously mapped that spectrum as Bitcoin equals digital capital, STRC equals digital credit, SR-strcUSX equals digital money and USDT equals digital currency. He said volatility and return potential decline from left to right across the spectrum, while stability and transactional utility rise. In that framing, Bitcoin is the ultimate store of value, characterized by higher volatility and stronger upside, while USDT serves as a stable medium of exchange for transactions. The middle layers are designed to bridge capital and currency by offering income or greater stability. The framework builds on Saylor's broader argument that digital assets should not be viewed as a single market but as a new financial architecture that can challenge traditional finance across multiple functions.