$15 Trillion is the discounted Net Present Value of future savings and value added from BTC, using an aggressive 10% annual discount rate.

BTC trades at less than 1/10 of that today.

Total Combined NPV (2026–2035)
Grand Total: $14.88 Trillion

1. Human Financial Inclusion
• Value: $3.06 Trillion
• The Driver: Banking 1.3B unbanked people.
• Impact: A 6% boost to Emerging Market GDP (per McKinsey).
• Direct Savings: Saving $48B/year in global remittance fees.

2. Agentic AI Commerce
• Value: $3.32 Trillion
• The Driver: AI-to-AI transactions.
• Impact: Agents bypassing "9-to-5" fiat banking (Jordi Visser's "Machine Economy").
• Efficiency: Instant settlement vs. 3-day wait times in legacy banking.

3. Micropayment Economy
• Value: $2.40 Trillion
• The Driver: Sub-cent payments.
• Impact: Unlocking 1-cent payments for API calls and GPU time.
• Innovation: Creating a new economy for data that is currently "too cheap" to bill via credit card.

4. Machine Reserve (Treasury)
• Value: $6.10 Trillion
• The Driver: AI agents holding "Hard Assets."
• Impact: Autonomous agents choosing BTC as native collateral to avoid inflation.
• Scale: AI treasuries competing with sovereign gold reserves for the 21M supply.