Artificial intelligence may transform software development, but Michael Saylor says it will also make financial hacking faster, cheaper, and more effective.

Speaking remotely at the Oranje Summit 2026 in São Paulo, the Strategy founder and outspoken bitcoin bull—whose company holds over $58 billion worth of BTC—warned that advanced AI models are giving attackers powerful tools to identify weaknesses in software used to transfer money.

“The most vulnerable thing in the world is going to be complicated, poorly constructed software that moves money,” Saylor said.

His warning applies across crypto exchanges, neobanks, digital wallets, and traditional financial institutions. Saylor urged companies to use the strongest available AI models continuously to identify their own security gaps before attackers do.

Saylor argued that Bitcoin’s relative simplicity is an advantage in an era of AI-assisted cyberattacks.

Unlike networks designed to support complex smart contracts and programmable applications, Bitcoin’s base layer was built primarily to transfer and secure value. Saylor praised pseudonymous Bitcoin creator Satoshi Nakamoto for focusing on the basics to empower secure digital money.

“In hindsight, Satoshi looks so brilliant,” Saylor said, pointing to the decision not to make Bitcoin a Turing-complete network.

He added that Bitcoin’s use of SHA-256 hashing and proof-of-work makes the network itself “very robust to AI threats.”

The distinction is important. Exchanges, custody platforms, browser extensions, and wallet software can still be compromised. However, Saylor argues that Bitcoin’s simpler base protocol creates fewer opportunities for attackers than financial software with numerous features, permissions, and dependencies.

Recent crypto attacks like the $6.3 billion Binance hack have reinforced that concern.

AI can help criminals automate phishing, search software for vulnerabilities, and create convincing impersonations. Even when the underlying blockchain remains secure, users can still lose funds through compromised credentials, devices, or custody providers.

Saylor said companies should ask whether their banks and custodians are using frontier AI systems to test their infrastructure daily, as human-led security reviews may no longer be fast enough when attackers can scan code and launch campaigns at machine speed.

Saylor also framed bitcoin as protection against political and jurisdictional risk.

Real estate cannot be moved, while physical gold is difficult to transport. Bitcoin holders, by contrast, can take self-custody, change custodians, or move capital across borders.

“You need the option to move the capital. It’s the optionality that gives it value,” Saylor said.

For investors, the two arguments are connected. Bitcoin’s limited design aims to make the monetary network harder to attack. Its portability gives holders an exit when a custodian, institution, or jurisdiction becomes unsafe.

In Saylor’s view, AI makes both qualities more valuable.

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