Executive order aims to expand access to alternative assets like crypto for millions of Americans
A new executive order signed by President Donald Trump has opened the path for cryptocurrencies like Bitcoin to become part of Americans’ 401(k) retirement plans — a move seen as transformative for both the financial and digital asset sectors.
The order directs the U.S. Department of Labor to revisit its guidelines around alternative assets in defined-contribution plans. This includes crypto, private equity, and real estate, which have previously faced restrictions in retirement portfolios.
“We could see a slow, steady, consistent bid from retirement accounts, which would bring higher returns and reduced volatility,” noted Matt Hougan, Chief Investment Officer at Bitwise.
As of Q1 2025, U.S. retirement assets totaled $43.4 trillion, with 401(k)s accounting for $8.7 trillion. Allowing even a fraction of that capital to flow into crypto markets could result in substantial price support, particularly for Bitcoin, which remains the dominant digital asset by market cap.
“Crypto has proven to be the top-performing asset class over the past decade,” Hougan added, “and it’s well-positioned for the next.”
Others see the order as a recognition of crypto’s evolving role in mainstream finance. Ji Hun Kim, CEO of the Crypto Council for Innovation, said it affirms that digital assets now have a legitimate place in the U.S. financial system.
Industry insiders also highlight the potential for broader infrastructure development. Abdul Rafay Gadit, co-founder of ZIGChain, said the move aligns with an emerging regulatory framework that can support tokenized investment vehicles at scale.
If implemented effectively, the policy could redefine how Americans build wealth for retirement — with crypto leading the charge.
Disclaimer
This content is for informational purposes only and does not constitute financial, investment, or legal advice. Cryptocurrency trading involves risk and may result in financial loss.