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What Will Happen When 99% of All Bitcoin Is Mined?

The Tipping Point: 2028

Imagine the year is 2028.
Bitcoin hits one of the most critical milestones in its history — 99% of all Bitcoin ever to exist will have been mined.
That leaves only 1 million Bitcoin left forever.

But this isn’t just a symbolic number. It marks the beginning of a new financial era — an era where scarcity dominates the narrative, and governments, corporations, and investors will fight for a share of a rapidly diminishing resource.

What Does “99% Mined” Actually Mean?

By 2028, Bitcoin’s total mined supply will reach 20.6 million coins out of the maximum 21 million.
At that time:

  • The block reward will shrink to 1.5625 BTC per block.
  • The global mining industry will produce only 225 Bitcoins per day, down from 450 per day today.

And after 2028?
Over 112 years, miners will generate only 329,000 Bitcoins in total. It’s like slashing global gold mining output by 50% overnight — but in a market with surging demand.

The Deflationary Explosion

Post-2028, Bitcoin’s inflation rate will drop to 0.4% per year.
For comparison:

  • Gold: ~1.5–2% annual supply growth
  • US Dollar: Historically, 7–15% annual monetary expansion
  • Emerging markets (e.g., Argentina, Turkey): 50%–100%+ annual inflation

Bitcoin becomes the most verifiably scarce asset on Earth — mathematically programmed, impossible to inflate.

Historical Halvings: The Price Surge Pattern

History shows what scarcity does to Bitcoin’s price:

  • 2012 Halving: $12 → $1,100
  • 2016 Halving: $650 → $20,000
  • 2020 Halving: $8,000 → $69,000

But the next phase will be different.
It won’t be just retail investors or tech enthusiasts — governments, hedge funds, and corporations will enter the game.

Who Will Be Buying Bitcoin After 2028?

Nations

Countries will be forced to buy, not mine.

  • If the U.S. government wanted to own 1 million BTC (~5% of the total supply), it would require a $675 billion investment at a projected $675,000 per coin price — more than the Pentagon’s annual budget.
  • Nations like China, Russia, and Saudi Arabia may stockpile Bitcoin as a geopolitical hedge.

U.S. States

  • Texas already hosts 1/3 of the U.S. Bitcoin hashrate.
  • Arizona, Wyoming, and Florida are passing Bitcoin reserve laws.
  • States may start buying 10,000–100,000 BTC each.

Cities & Local Governments

  • El Salvador holds 6,150 BTC.
  • Lugano (Switzerland), Miami — experimenting with Bitcoin bonds and payroll systems.

Corporations & Funds

  • MicroStrategy holds 500,000 BTC.
  • Tesla owns over 11,000 BTC.
  • Post-2028, expect pension funds, insurance companies, and asset managers to quietly build positions.

Retail Investors

  • Owning 1 BTC will make you part of the global top 1% of holders.
  • 0.1 BTC may become the digital equivalent of a rare gold bond.

The Scarcity Feedback Loop

Every new buyer reduces the available supply.
This creates a feedback loop:

  1. Nations buy → Price jumps
  2. Hedge funds follow → Scarcity increases
  3. U.S. states and cities enter → FOMO rises
  4. Retail investors rush in last

No central bank, no government, no miner can “print” more Bitcoin to ease the pressure.

The Economics of the Bitcoin Gold Rush

  • Early movers win.
  • Latecomers pay the premium.

Example:

  • MicroStrategy bought at an average $65,000 per BTC — betting it could reach $1M per coin.
  • El Salvador’s Bitcoin could become the highest-value national reserve on a per capita basis.

After 2028, the new supply will be a mere 82,000 BTC per year —
That’s less than what a single corporation like MicroStrategy has bought to date.

The Post-2028 Bitcoin Era

2028 isn’t the end of Bitcoin’s story — it’s the beginning of its most pivotal chapter.
Bitcoin will transcend speculative trading to become:

  • A strategic reserve asset
  • A geopolitical tool
  • The ultimate scarce store of value

We’re entering a world where fiat currencies inflate endlessly, while Bitcoin remains fixed.

Will You Be Ready?

After 2028, it won’t be about who bought first — it will be about who secured access in a world of extreme scarcity.

So ask yourself:

  • Are you preparing for 2028?
  • Do you see Bitcoin as the next global gold standard?
  • What’s your strategy for staking your claim?

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