Trump Opens the Retirement Floodgates to Bitcoin and Beyond

President Trump’s latest executive order has just unleashed one of the biggest capital floods the crypto market has ever seen.

The Democratizing Access to Alternative Assets for 401(k) Investors order, signed yesterday, clears the path for U.S. retirement savers (more than 90 million Americans) to get exposure to private market equity, real estate, commodities, infrastructure… and the big one, actively managed vehicles investing in digital assets[1].

In other words, Bitcoin, Ethereum, Solana, tokenized treasuries, all the kinds of things that, until now, were largely off limits to everyday 401(k) investors.

And Bitcoin’s price reaction showed us exactly how much the market loved this…

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From Locked Out to All In

For decades, alternative assets were the playground of institutions and the ultra-wealthy.

Public pension funds could buy them, hedge funds could trade them, and endowments could load up on them. But the vast pool of money in 401(k) was largely shut out.

Trump’s executive order orders the Department of Labor and the SEC to tear those barriers. Within 180 days, they must revisit restrictive guidance, slash litigation risks, and even look at loosening accredited investor rules.

The aim is to give retirement savers the same menu of higher-growth, diversifying assets that institutional investors already enjoy.

It aims to level the playing field.

The language explicitly includes digital assets as part of the alternative asset universe.

And that broad description, which this administration favors means that it’s everything from Bitcoin to altcoins to tokenized real-world assets (RWAs).

It does mention, ‘actively managed vehicles’ which means you’ll likely need to buy the fund that’s buying these digital assets. And that’s good news for the likes of BlackRock, Fidelity and the massive TradFi institutions that have been preparing for this outcome.

So, expect to see huge inflows to things like the IBIT Bitcoin ETF, and subsequently other newer ETFs around Ethereum, Solana, and an ever-growing list of crypto.

But for the size and weight of capital in the U.S. this EO unlocks, there’s an even bigger flood of capital this could unlock…

Tens of Trillions of Capital Flow

The U.S. defined-contribution retirement system is a behemoth. According to the Investment Company Institute, total 401(k) assets sat around $8.7 trillion in Q1 2025[2].

Now it’s hard to say how much of that will be looking for a new home in crypto assets, but you can expect it’s a lot.

So, it’s no wonder Bitcoin’s price jumped in the hours after the announcement, trading over $117,500. The crypto market can smell the wall of money coming.

And this is just the starting gun for what could be a global race.

When the U.S. moves first on something like this, other major markets will be pressured to follow. Pension capital is fiercely competitive, and asset managers in London, Frankfurt, and Sydney won’t want to see their U.S. rivals outperform because they had early access to higher-growth sectors like crypto.

Consider this,

• U.K. pensions hold over £2.4 trillion (US$3.23 trillion) in assets[3].
• Canada’s pension pool tops US$3.49 trillion[4].
• Australia’s superannuation system (their pension system) is north of AU$4.2 trillion (US$3.8 trillion[5]).

Then when you start to add countries in Asia, the numbers just keep stacking up in the trillions.

Even a slow policy creep toward U.S.-style access for pension funds could unleash tens of trillions into alternative assets globally, with Bitcoin and tokenized markets natural beneficiaries.

The playbook from here looks pretty obvious to me.

U.S. retirement capital becomes the first great flood of global pension money towards crypto and digital assets. Other pension systems slowly open the taps to keep pace. One by one they follow suit, play nice follow the rules, keep your economies nicely tied to the U.S.

As a result, the ‘infinity tap’ is turned on, with constant capital flowing into the most dominant and best performing alternative asset in history.

And as we’ve seen time and again… when the big money arrives in Bitcoin and crypto the market surges towards new all-time highs.

This time won’t be any different.

Trust in crypto,
Adam Atlantic

Source:

[1] https://www.whitehouse.gov/presidential-actions/2025/08/democratizing-access-to-alternative-assets-for-401k-investors/

[2] https://www.forbes.com/sites/digital-assets/2025/08/07/signed-trump-order-opens-401ks-to-crypto-real-estate-and-more/

[3] https://www.mordorintelligence.com/industry-reports/united-kingdom-pension-fund-market

[4] https://www.mordorintelligence.com/industry-reports/canada-pension-fund-market

[5] https://mandalapartners.com/reports/going-global-australian-pension-capital

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