Castle, the company behind an automated bitcoin financial stack for businesses, has announced that it is opening its platform to individuals, bringing its high-yield product to personal accounts along with a first for the category: the option to receive dividend income in bitcoin at whatever ratio the customer chooses.

The yield comes from STRC, Strategy's perpetual preferred stock, which Castle added earlier this year and which currently pays a 12% annual dividend on a semi-monthly schedule. STRC is one of several preferred equity instruments issued by Strategy — the publicly traded company formerly known as MicroStrategy that holds bitcoin on its balance sheet — as it has broadened its capital-raising toolkit beyond common stock and convertible debt.

Holders can take 100% of that payout in cash, 100% in bitcoin, or anything in between, according to a Tuesday statement. Most Castle customers land in the middle, the company said, covering operating expenses with cash while the remainder compounds into bitcoin automatically at every payout.

"Investors have long faced a choice between earning steady yield and holding bitcoin. Castle eliminates that trade-off," said co-founder and CTO João Almeida. "By enabling a portion of dividend income to be automatically converted into bitcoin, so customers get both cash flow and long-term upside."

The broader pitch is consolidation: Castle places operating cash, fixed income, and bitcoin accumulation on a single platform, cutting out the shuffle between a bank, an onramp, and a brokerage. The system is built automation-first: users define a strategy once and the platform executes it.

Until now, Castle served business entities exclusively — among them restaurants, gyms, churches, accounting firms, e-commerce shops, auto dealers, SaaS companies, real estate businesses, and non-profits. The push into personal accounts came from those same customers.

"Feedback we heard over and over from business owners was: 'I love this stack — when can I use it personally?'" said co-founder and CEO Stephen Cole. "Today we're answering that. The same automated bitcoin-powered financial stack that runs their company's balance sheet can now run their personal finances."

The move comes as a growing ecosystem of fintech services — from yield-bearing bitcoin products to corporate treasury tools — has formed around holding bitcoin as a treasury or savings asset, and Castle's expansion suggests businesses-to-consumers is becoming a familiar growth path for such platforms.

Castle was founded by Cole and Almeida and is backed by Boost VC and Winklevoss Capital. More information about the company's product is available at savewithcastle.com.

This article first appeared on Bitcoin Magazine and is written by Mathew Di Salvo.