Your Corporate Cash Is Underperforming

Canadian corporations earn 2–4% after tax on GICs.

Digital credit yields 11.25% with full tax deferral. Zero US withholding. Here's the math.

Calculate Your Treasury Advantage →

How Digital Credit Works

Digital Capital

Bitcoin — 30%+ ARR

Strategy Inc holds $55B+ in Bitcoin as the underlying capital asset. Volatile but high-growth.

Digital Credit

Yield Securities — 11.25%

A preferred stock that strips the smooth yield from Bitcoin's volatile growth. Low volatility, monthly dividends, daily liquid.

Your Treasury

Tax-deferred cash flow

Return of capital reduces your ACB — no tax until you sell. Zero US withholding for Canadian corps. 3–5x your GIC returns.

The Canadian Advantage

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Zero US Withholding

Return of capital distributions are exempt from US dividend withholding tax. Your Canadian corp pays 0% to the IRS — vs 15% on regular US dividends.

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Full Tax Deferral

ROC reduces your Adjusted Cost Base instead of creating income. No Canadian corporate tax until shares are sold or ACB hits zero. Keep 100% of cash flow working.

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RDTOH Mechanics

When gains eventually crystallize, the refundable portion (30.67%) accumulates in your NERDTOH account — recovered when your corp pays taxable dividends.

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3–5x Cash Flow

A Manitoba CCPC earning 4.5% on a GIC keeps ~$22K after tax on $1M. The same $1M in digital credit generates $112,500 in tax-deferred cash. That's 5x the cash flow.

Built on Verified Facts

Every number on this site is sourced from public filings and Canadian tax law. No hype — just math.

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SEC Filings

Strategy Inc 8-K & 10-Q

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CRA Tax Rates

2025 corporate rates

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Income Tax Act

Sections 90, 95, 129

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Canada-US Treaty

Article X withholding

100%

of 2025 distributions confirmed as Return of Capital

Source: Strategy Inc, Feb 2, 2026

0%

US withholding tax on ROC distributions to non-US holders

Source: Strategy 8-K filing, Oct 2025

$55B+

Bitcoin held by Strategy Inc as collateral backing

Source: Strategy treasury data

Who This Is For

✓Canadian business owners with corporate cash sitting in GICs or money markets
✓CCPCs looking to maximize after-tax treasury returns
✓Corporate treasurers who understand preferred stock and credit instruments
✓Investors comfortable with Bitcoin-backed collateral risk
✗Anyone looking for a guaranteed, CDIC-insured deposit
✗Short-term traders or speculators

Risk Factors

We believe in transparency. Here's what you need to know.

⚠Issuer may generate earnings, profits, making future distributions taxable as foreign dividends
⚠Share price can trade below $100 stated amount (market risk)
⚠Bitcoin price declines could impair the underlying collateral
⚠CRA could challenge the ROC characterization for Canadian holders
⚠CCPC passive income > $50K/year triggers the small business deduction grind
⚠Currency risk: distributions are paid in USD — FX fluctuations affect CAD returns
⚠Variable-rate instrument: dividend rate is adjusted monthly by the issuer
⚠This is a preferred stock, not a guaranteed deposit — no CDIC coverage

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