XRP and Bitcoin will be included in 401(k) retirement accounts

crypthub

3 days ago

Policy Shift Toward Crypto in Retirement

Lawmakers are moving to embed digital assets in U.S. retirement plans. The change could bring Bitcoin, XRP and similar tokens into 401(k) portfolios. It marks a transition from speculative margins to core long‑term investment structures.

Congressional Pressure on the SEC

Congress has urged SEC Chair Paul Atkins to approve crypto exposure in 401(k)s. An August 2025 executive order and the Labor Department’s withdrawal of cautionary guidance cleared regulatory obstacles. A bipartisan letter now calls for updated securities rules to enable the shift.

Bitcoin and XRP as Preferred Choices

Bitcoin offers deep liquidity and widespread institutional products, while XRP benefits from clearer regulatory status and integration with financial infrastructure. Both meet fiduciary demands for transparency, custody and market depth. Their inclusion is envisioned as modest diversification, not concentration.

Impact, Risks and Safeguards

The $12 trillion U.S. 401(k) market could channel significant stable capital into crypto, reducing volatility and expanding liquidity. Regulators are expected to impose disclosure, education and allocation limits to protect investors. Approving crypto would cement its legitimacy in American retirement saving.