#创作者冲榜

Unprecedented Wealth is Coming!
On March 30th, according to a tweet from BitcoinTreasuries: The White House has officially approved the inclusion of Bitcoin into the US 401(k) retirement savings plan. This means that ordinary American workers' retirement funds can now legally invest in cryptocurrencies like Bitcoin, with a potential fund size reaching up to $12 trillion!

1. What happened? Let’s clarify the timeline

August 2025: Trump officially signs a milestone executive order allowing US 401(k) retirement accounts to invest in Bitcoin and other digital assets, opening the door to a $8.7 trillion market.

March 24, 2026: The White House Office of Information and Regulatory Affairs (OIRA) completes review of a proposal from the Department of Labor (DOL). The core of the proposal is to allow trustees of 401(k) plans to include alternative assets (including digital assets) in their evaluation and investment scope.

March 26, 2026: Relevant media disclose this news.

2. Why is it “Unprecedented Wealth”? What is a 401k?

The 401K plan is a corporate supplementary pension insurance system regulated under Section 401 of the U.S. Internal Revenue Code. It is jointly funded by employees and employers to establish individual accounts, applicable to private profit-making companies. Managed under a defined contribution (DC) trust model, funds can be invested in stocks, funds, and other financial products with tax deferral benefits.

💎The most prominent employer-sponsored retirement savings plan in the U.S.

💎Covers about 60 million American workers

💎Manages approximately $7.5 trillion in assets

💎Average account balance around $125,000

3. Why is this a “Historic Breakthrough” in regulatory transformation?

Past regulatory stance

For a long time, the U.S. Department of Labor has been explicitly opposed to cryptocurrency investments in 401(k) plans:

In March 2022, issued strict warnings, cautioning trustees to consider crypto investments carefully

Claimed cryptocurrencies are “highly volatile,” “lack regulation,” and “pose fraud risks”

Implied that investing in cryptocurrencies might violate fiduciary duties

Current major shift

From “explicit warning” to “allow inclusion in evaluation scope,” this 180-degree turn is driven by multiple forces:

💎Evolving regulatory understanding:

After years of observation, regulators may recognize that Bitcoin has established a clear narrative as a store of value, with increasingly mature institutional custody solutions, and the success of spot ETFs paving the way for pension funds to enter.

💎Political pressure:

The pro-crypto stance of the Trump administration, the crypto-friendly legislation pushed by the Republican Party, and responses to young voters’ demands during an election year.

💎Market development inevitability:

Traditional asset managers like BlackRock and Fidelity have deeply entered the space; institutional infrastructure (custody, clearing, auditing) is basically complete; Bitcoin’s correlation with traditional assets is decreasing, and its diversification value is gaining recognition.

4. What is the impact? Multiple capital inflows

First route: Direct allocation in 401(k)

Conservative estimate:

Assuming 1% of 401(k) assets initially allocated to Bitcoin

$7.5 trillion × 1% = $75 billion

Equivalent to about 5.8% of Bitcoin’s current market cap (~$1.3 trillion)

Optimistic estimate:

If allocation reaches 3-5%

Potential funds: $225 billion - $375 billion

This would be the largest structural buy-in in Bitcoin history.

Second route: Follow-on effect from other retirement plans

401(k) is just the beginning; other retirement plans are likely to follow quickly:

IRA (Individual Retirement Account): about $13 trillion

403(b) (non-profit organization retirement plans): about $1.2 trillion

State and local pensions: about $5 trillion

Once 401(k) opens the door, managers of these plans will face huge competitive pressure: “Everyone else’s pension funds are making money from crypto, why can’t ours?”

Third route: Capital from other countries

As a global financial regulatory leader, this decision will have far-reaching international effects:

Canada: Pension funds already hold cryptocurrencies, but the scale may expand

Europe: Pensions may accelerate their evaluation processes

Asia: Singapore, Hong Kong, and others may revisit policies

Emerging markets: Facing capital outflows, may be forced to follow suit

5. Why hasn’t Bitcoin risen? Long-term impact is huge

Many friends ask why this positive news hasn’t been hyped and why prices haven’t moved. I believe it’s mainly because we’re in a bear market + US-Iran war narratives overshadow everything, but any accumulation of positive factors will eventually become a long-term catalyst, leading to even crazier rises when the bull market arrives.

1. Final legalization confirmation

When ordinary people’s retirement funds can invest in Bitcoin, the debate over “Is Bitcoin a scam?” will be finally settled. This will be Bitcoin’s last step from a fringe asset to a mainstream asset.

2. Subtle changes in the dollar system

US pension funds allocating to Bitcoin is essentially using existing dollar system funds to vote for de-dollarization assets.

3. Rebuilding global asset allocation

Bitcoin’s role in asset allocation will shift from “speculative allocation” to “strategic allocation.”