Written by: Demir

Just today (March 26, 2026), a regulatory hurdle significant enough to be recorded in financial history has been removed.

The internal review body under the Office of Management and Budget (OMB) of the White House officially announced: the review of the new regulations for 401(k) retirement plans by the Department of Labor (DOL) has been completed.

This means that the previously unresolved "pension into cryptocurrency" policy has completed all internal processes within the White House.

The Department of Labor is expected to officially release the rules in the coming days: allowing a total of up to $10 trillion in 401(k) plans to include cryptocurrency and private equity in their investment portfolios.

In 2022, the Department of Labor had issued a notice urging "extreme caution" towards cryptocurrencies; but as of today in 2026, this constraint has been completely shattered.

The rules will shift from "discriminating against specific assets" to "duty-neutral"—as long as risk assessments are in place, Bitcoin can be a legal retirement asset.

In the financial world, 401(k) funds are referred to as "the finest leeks (newbies)", because pensions represent locked-in funds that last 20-30 years.

Unlike retail investors who frequently enter and exit, once a pension is in, it is the "ultimate holder" that only buys and does not sell.

The vast majority of people do not manually adjust their 401(k) investment options, but rather default to "target date funds (TDF)".

As long as the new rules permit, fund managers (such as Vanguard, Fidelity) can directly include 1%-3% of cryptocurrency or private equity shares in underlying assets, and once workers' wages are deposited, the buying spree will automatically start!

Previously, employers were reluctant to include cryptocurrency because they feared being sued by employees.

Now this new regulation provides a "safe harbor"; as long as specific procedures are followed, employers will no longer bear the risk of compensation for asset volatility.

The inclusion of cryptocurrency in 401(k) signifies a shift from being a "financial speculation" to a "macro asset that must be allocated".

This is like connecting Bitcoin's "reservoir" to the automatic faucet for the wages of 160 million American workers.

Each year, American employees inject around $500 billion - $600 billion into 401(k). If 3% of that flows into crypto assets via automatic deductions, it will generate approximately $15 billion - $20 billion in net inflows annually.

Just as the regulations passed review, the Trump administration announced the new members of the President's Council of Advisors on Science and Technology (PCAST), which explains why the policy is advancing so quickly.

The crypto titans are coming in: Marc Andreessen (founder of a16z, top venture capital in the crypto world) and Fred Ehrsam (co-founder of Coinbase) have been officially appointed as advisors.

Other advisors on the council also include Jensen Huang (Nvidia), Lisa Su (AMD), and Mark Zuckerberg (Meta).

David Sacks, who just stepped down from the position of "White House Crypto and AI Czar", will serve as co-chair of this committee~

Therefore, looking back at this new 401(k) regulation, including cryptocurrency is to pump up Bitcoin, and including private equity is naturally for financing AI companies.

Well, both crypto and AI (bubbles) have a bright future~

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