Quick Facts:
Did you hear about US President Donald Trump’s move to open the $12T 401(k) retirement market to crypto?
And defined contribution plans – mostly 401(k)s – account for $13T of that market.
Under the original executive order, the Labor Department has 180 days to propose rule changes that would allow plan sponsors to include cryptocurrencies and other alternative assets.
Meanwhile, nine members of Congress have urged the SEC to accelerate implementation, pointing out that it’s not simply about the size of the 401(k) market cap; nearly 90M investors currently lack access to alternative assets under existing rules.
The implications for capital flows into digital assets are eye-watering. If even just 1 % of U.S. 401(k) assets were allocated to crypto, analysts estimate it could funnel $122B into crypto markets. That figure climbs to approximately $360B if allocations reach 3%.
The best options to buy focus not just on short-term plays, but on long-term infrastructure. That’s exactly the kind of approach that fits hand-in-glove with Trump’s executive order and the new bill.
By incorporating crypto into retirement accounts, the financial industry could simultaneously boost the development and stability of digital assets. The move could achieve:
That’s where Bitcoin Hyper ($HYPER) comes in, bringing its own upgrade to Bitcoin’s limited architecture.
Bitcoin is big, bad, and the poster child for crypto.
Satoshi entitled the whitepaper a ‘Peer-to-Peer Electronic Cash System.’ While Bitcoin has succeeded wildly as a store of value, it hasn’t performed as well as an actual payment system.
The resulting hybrid architecture utilizes the bridge to wrap $BTC onto the Bitcoin Hyper Layer 2, where it can be used for everything from DeFi to microtransactions, thanks to the SVM’s vastly higher throughput and lower fees.
In the meantime, while the path from bill introduction to law is uncertain, the momentum is clear: political actors are aligning behind bringing digital assets into mainstream retirement investing.
As always, do your own research. This isn’t financial advice.
