Strategy will contribute to Trump Accounts for eligible children of its US employees, placing the bitcoin-focused company among a growing group of businesses seeking to introduce young Americans to investing before they reach adulthood.
The Tysons Corner, Virginia-based firm announced on Wednesday that it will pay $250 a year into an account for each eligible child under the age of 18, regardless of when the child was born. For children born on or after 1 January 2025, Strategy will also make a one-off contribution of $1,000, matching the opening payment provided by the federal government.
The scheme will apply to eligible children of Strategy’s US workforce. It will begin once the Treasury Department has completed its employer-contribution system and issued final guidance on how companies should operate the benefit.
Strategy, formerly known as MicroStrategy, is best known as the world’s largest corporate holder of bitcoin. It also operates an enterprise analytics software business and is publicly traded through its MSTR common shares and several preferred securities.
The company sold 1,638 BTC during the past week but continues to hold 842,138 BTC, making it the largest publicly traded corporate Bitcoin holder.
Its decision links a company closely associated with cryptocurrency to a federal savings programme focused mainly on traditional US stock-market investments. Trump Accounts will generally require money to be invested in qualifying funds that track broad indexes made up primarily of American companies.
“Trump Accounts and the Invest America initiative can help build a stronger financial future for America’s children,” Strategy President and CEO Phong Le said.
Trump Accounts were formally established under Section 530A of the US federal tax code. They are tax-deferred individual retirement accounts for children, meaning investment earnings generally remain untaxed while the money stays in the account.
A child must have a Social Security number and remain under 18 until the end of the calendar year in which the account is opened. Until the child becomes an adult, the account is controlled by a parent, guardian or another authorised adult.
US citizens born between 1 January 2025 and 31 December 2028 are eligible for the government’s one-time $1,000 Treasury contribution, provided their account is opened correctly. Contributions began on 4 July 2026.
Parents, relatives, friends and employers can all add money, subject to federal limits. Non-exempt contributions are generally restricted to a total of $5,000 a year. Employers can contribute up to $2,500 annually for an employee or the employee’s dependent. Employer payments count towards the wider $5,000 limit but are generally not treated as taxable income for the employee.
During the account’s initial growth period, the money must be invested in qualifying low-cost mutual funds or exchange-traded funds. Such funds pool investors’ money and spread it among many US companies, reducing reliance on the performance of any single stock.
Withdrawals are generally prohibited before 1 January of the year in which the child turns 18, apart from limited exceptions. Once that restricted period ends, the account will generally operate like a traditional individual retirement account, with taxes and possible penalties applying to withdrawals under standard IRA rules.
The arrangement is intended to give contributions time to benefit from compounding. That occurs when investment gains generate further returns, although account values can still fall substantially during periods of declining stock markets.
Strategy is also taking the Invest America Business Pledge, alongside dozens of banks, technology companies and financial firms supporting Trump Accounts through employee benefits, account services or charitable funding. The Treasury Department has previously identified participants including Bank of America, BlackRock, Block, Coinbase, JPMorgan Chase, Nvidia, Robinhood and Visa.
Strategy said it announced the commitment internally during a quarterly company meeting. It expects to provide employees with enrolment instructions before the benefit becomes available. Staff and their families can also follow the Treasury Department’s final employer rules, Strategy’s timetable and further information on how the company’s annual payments will interact with contributions from parents or other relatives.
Separately, a wallet linked to Michael Saylor’s Strategy recently moved 1,030 BTC, valued at $66.14m, just days after the company confirmed its latest plans.
