Muhammad javed78

The world of retirement investing is undergoing a major transformation and cryptocurrency is at the center of it. For decades, traditional 401(k) plans have focused on stocks, bonds, and mutual funds. But as digital assets like Bitcoin and Ethereum gain mainstream acceptance, more Americans are asking: Why not crypto in my 401(k)?
The Rise of Digital Assets in Retirement Plans
Over the past few years, the demand for alternative investments has surged. Inflation concerns, market volatility, and the search for higher returns have led investors to explore the world of digital currencies. In response, several major financial firms have begun integrating crypto options into 401(k) retirement plans, allowing participants to allocate a portion of their savings into cryptocurrencies.
In 2022, Fidelity Investments one of the largest 401(k) providers made headlines by announcing that employers could offer Bitcoin as an investment option. This move marked a turning point, signaling that crypto is no longer just for speculative traders but is now being considered a legitimate long-term asset.
Why Add Crypto to a 401(k)?
Diversification Adding digital assets helps reduce reliance on traditional markets and provides exposure to a new asset class with distinct performance patterns.Inflation Hedge With concerns about the devaluation of fiat currencies, Bitcoin is often viewed as “digital gold.”High Growth Potential Despite volatility, the long-term growth of top cryptocurrencies has outpaced most asset classes over the past decade.
The Risks to Consider
Of course, it’s not all upside. Crypto remains highly volatile, and its regulatory landscape is still evolving. A sudden drop in prices could significantly impact retirement balances, and not all plan providers or employers are ready to assume that risk. Additionally, cybersecurity and custody of digital assets remain critical concerns for long-term savings.
The Future of Retirement Investing
As blockchain technology matures and regulations become clearer, the integration of crypto into 401(k) plans seems increasingly inevitable. Younger investors, especially millennials and Gen Z, are driving this shift preferring decentralized, transparent, and innovative financial tools.
Bottom Line:
The inclusion of crypto in 401(k) plans represents a bold step toward the future of personal finance. It offers both opportunity and risk and like any investment, it demands education, caution, and a long-term perspective.
The question isn’t if crypto will become part of mainstream retirement investing-it’s how soon.
#CryptoIn401k

Tying Value Creation of the Hemi Protocol to HEMI Staking, Decentralized Economic Security, and Sustainable Bitcoin Yield.
Today, Hemi announces the initial Hemi Economic Model, which powers the future decentralization, economic security, and incentives for the Hemi ecosystem, defined in the Hemi Improvement ProPOsal: HIPPO-2.
In its first phase, the model will allocate a pool of 0.2445 hemiBTC and 100,320.69 $HEMI , derived and converted from transaction fees, to veHEMI stakers who staked HEMI between August 30 and October 30, 2025. Visit the Hemi Portal to claim these staking incentives. Additionally, another 98,216.75 $HEMI purchased with transaction fees has been burned.
The launch of these rewards sets the stage for veHEMI to serve as the cornerstone of Hemi’s governance system, and more broadly, to enable secure network decentralization and sustainable liquidity incentivization for Hemi’s Bitcoin DeFi ecosystem.
Summary of The Hemi Economic Model
At a high level, the Hemi Economic Model is designed to:Connect HEMI to the economic value created by the Hemi ecosystemIncentivize veHEMI to ensure adequate economic security for decentralized protocol componentsStimulate BTC-based economic activity, focusing on sustainable yieldIncrease liquidity across Hemi’s DeFi protocolsBuild long-term protocol-owned liquidityPromote incentive alignment between Hemi and users seeking BTC yield
The implementation of the economic model will occur over several stages:
Stage 1: Protocol fees and yield are converted into HEMI and hemiBTC and distributed as yield to veHEMI holders, alongside a fees- to-$HEMI -burn mechanic
Stage 2: Automated Short-Term-Pool (STP), which smooths out protocol asset distribution flow, and Protocol-Owned-Liquidity (POL) treasury, which allocates assets to increase liquidity across the Hemi ecosystem and generate additional yield
Stage 3: Decentralized voting system for incentive distribution, including a vote market
Stage 4: Dual staking (veHEMI + staked hemiBTC)
As Hemi continues to evolve, this economic system will become more powerful:
Increasing protocol value generation:
New features (hBitVM, veHEMI economic security system, PoP security inheritance, Chainbuilder DA / Shared Sequencing, cross-chain liquidity systems, etc.), which generate their own feesIncreased adoption of Hemi, leading to greater fee inflows
Increasing STP and POL yield:
New dApps providing additional yield sourcesIncreasing DeFi activity on Hemi generates additional yield on provisioned liquidityNew asset management strategies unlock additional opportunities
This design provides a sustainable flywheel: value created by Hemi is directed back into powering economic security/decentralization and increasing liquidity while incentivizing ecosystem participants, which in turn enables even more value creation.
What is veHEMI?
Vote-escrow (veHEMI) is the protocol-native $HEMI staking system, used for governance, economic security for decentralized components of the protocol, as well as directing allocated pooled protocol assets to act as incentives in the Hemi DeFi ecosystem.
Users stake HEMI for a period of 12 days to 4 years, and receive an NFT representing their staked position. Longer lockups receive higher weight in the system, representing the increased incentive alignment with the long-term success of Hemi.
The weight of a position is calculated based on its remaining lockup time; for example, a position with 4 years remaining has twice the weight of a position with 2 years remaining, etc. Users can extend the lockups on existing positions to increase their weight and incentives.
As Hemi evolves, owners of veHEMI positions will earn additional incentives for:
Participating in governance votes (or delegating)Operating decentralized infrastructure:Block sequencingData publication to Ethereum (DA & state roots)hBitVM covenant emulation and vault operationProviding shared sequencing and DA services to Chainbuilder chainsProviding cross-chain liquidityProviding economic security to third-party protocolsReceiving yield from the vote market for directing incentives
When veHemi positions are used for economic security (decentralized infrastructure, cross-chain liquidity, and securing third-party protocols), they are subject to being slashed for misbehavior. Depending on the specific security needs of each protocol, the underlying $HEMI in the slashed position may be burnt, sent to either the STP or POL, and/or distributed to other protocol participants.
veHemi positions are transferable, meaning they can also be used as collateral in other DeFi protocols.
Economic Model Stage 1: Fee Distribution & Burn
Starting today, with the conversion of ~8.26 ETH in excess protocol fees to ~0.2445 hemiBTC and ~100,320.69 $HEMI in incentives distributed to veHEMI stakers and an additional ~1.51 ETH converted to ~98,216.75 $HEMI , which was burnt on Ethereum mainnet, the first stage of Hemi’s economic model is officially live.
Transaction details can be found here:
Conversion of 7 ETH to 0.2445 hemiBTC:
https://explorer.hemi.xyz/tx/0x205482fccd22cb2996699d0784174c2384452c197cb348116a82b4b9fbd81d78https://explorer.hemi.xyz/tx/0xbf973ecfcc9d44987adff604d97c4642e8f10e9f92ae7c2c7f08243e111d2fc5https://explorer.hemi.xyz/tx/0xec4fe936a5f6f737cb32584f96274abe96f13137ce67a56c00daa028c9d96644
Conversion of 2.77 ETH to 198,537.44 HEMI:
https://explorer.hemi.xyz/tx/0xf8e13b27f9085f48d66bde0ba68827c0382e9bade37aabef29ed01bb5ca81e39https://explorer.hemi.xyz/tx/0xdb2d914bc31b8c52109180550a53115dcb752bb16a7d8c2b5acd9be9fa38386
Burning of 98,216.75 HEMI:
https://etherscan.io/tx/0x7aa573ea8dbf20ace5477d2631609cce53990aba7f5dfbe9b336b9c22a7c751c
And the HEMI and hemiBTC reward configurations can be seen here:
~100,320.69 HEMI in total rewards for Aug 30 – Oct 30:https://explorer.hemi.xyz/tx/0x02129f0265f532927d9bd4f0ae9df28f6cf298ed13eebeed2c8388c20a3cb5c1 ~0.2445 hemiBTC in total rewards for Aug 30 – Oct 30:https://explorer.hemi.xyz/tx/0xa4de6838e9971020e857505945bbb06b93d79c2900ea41f31a1cdcb4b9a72094 
Moving forward, a portion of protocol fees will be periodically collected and converted to HEMI and hemiBTC, with a portion of the $HEMI burnt and the remainder, along with the hemiBTC, distributed as veHEMI incentives.
Economic Model Stage 2: Automated Short-Term
Pool and Protocol-Owned Liquidity Treasury
Stage 2 of the Hemi Economic Model introduces two economic components:
Short-Term Pool (STP)Smooths out the balance of protocol economic throughput inflows versus outflows to provide more consistent incentive distributionEarns yield on its transient pool of assets with short-term strategiesProtocol-Owned Liquidity (POL) TreasuryControls assets in perpetuity that are used to provision liquidity across the ecosystemEarns yield for the protocol with a permanent pool of assets, which can be deployed into long-term strategies
Every two weeks, the remaining net protocol fee surplus (gross fees minus non-inflation PoP incentives and ETH DA + state root publication costs) is deposited into the STP, and 1/13th of the STP’s total assets are distributed to:
veHEMI stakersGovernance voting participantsLiquidity incentives (BTC vaults, USD vaults, LP pairs)POL Treasury
Meanwhile, the POL treasury collects yield on its positions, allocating a portion of the yield back into its treasury and sending the remainder to the STP pool to be distributed as incentives.
Collectively, this system:
Buffers asset inflows versus incentive outflows, providing stabilityContinually builds a POL treasury, which provides liquidity to the ecosystem and becomes an evergreen source of yieldDistributes incentives that:Increase the economic security of the protocol (veHEMI)Ensure a robust governance systemIncrease liquidity in key protocols
Economic Model Stage 3: Decentralized
Incentive Voting / Vote Market
Stage 3 of the Hemi Economic Model introduces a decentralized voting system based on veHEMI stake weight for directing the allocation of the POL Treasury’s asset allocation and liquidity incentives. It also introduces a vote marketplace which allows anyone to incentivize veHEMI stakers with HEMI or other tokens to vote for specific allocations of liquidity incentives and POL Treasury assets.
Initially, the POL Treasury will be limited to a set of whitelisted vaults/strategies. Over time, control of these whitelists will be handed over to governance, with a veto committee to protect against malicious strategies.
This system extracts additional value out of liquidity incentives and treasury asset allocation for veHEMI stakers while enabling Hemi’s economic model to become more decentralized and community-guided.
Economic Model Stage 4: Dual-Staking
To stimulate BTC-based economic activity, stage 4 of the Hemi Economic Model introduces staked hemiBTC; a system that incentivizes hemiBTC deposits to be used to create BTC liquidity and encourage economic activity across the Hemi ecosystem. Alongside hemiBTC staking, stage 4 introduces a dual-staking model where participants can increase their BTC yield by also staking $HEMI .
This dual-staking model aligns the incentives of Bitcoin holders with the long-term success of the Hemi protocol, and encourages veHEMI holders to bring more liquidity to Hemi’s Bitcoin DeFi ecosystem.
Participate By Staking HEMI
All active veHEMI staking positions active between August 30 and October 30, 2025 are eligible for this reward distribution. Stakers can claim rewards directly through the Hemi Portal, which will soon feature UI components displaying estimated APY and streamlined claim functionality. Stake $HEMI now to claim future veHEMI rewards distributions.
@Hemi #HEMI

In a rapidly evolving blockchain ecosystem where scalability and security rarely coexist, Hemi introduces a protocol-level innovation designed to unify both worlds under a single architecture. Positioned at the intersection of Bitcoin’s unmatched security and Ethereum’s composability, Hemi is not merely another Layer-2 or cross-chain bridge it’s a Bitcoin-Security-as-a-Service (BSaaS) network for the next era of decentralized infrastructure.
Bridging Bitcoin and Smart Contracts
Bitcoin’s $1 trillion network has long been the gold standard for decentralized security, but its limited programmability restricts broader ecosystem utility. Hemi directly addresses this by inheriting Bitcoin’s security while enabling smart contract capabilities akin to Ethereum. This dual inheritance allows developers to deploy decentralized applications (dApps) that leverage Bitcoin-grade security without sacrificing flexibility.
The Core Mechanism: Security Aggregation & Inheritance
At the heart of Hemi’s architecture lies an innovative security aggregation mechanism, which allows any connected blockchain or application to “borrow” Bitcoin’s consensus strength in a permissionless, decentralized manner. Through its aggregation layer, Hemi converts Bitcoin’s proof-of-work finality into an adaptable security framework that underpins an entire multi-chain ecosystem.
This design transforms Bitcoin from a passive store of value into an active security provider for next-generation blockchain networks a fundamental shift in how decentralized systems leverage consensus.
Economic and Technical Implications
From a market perspective, Hemi’s BSaaS model introduces a new economic layer: networks pay for inherited security rather than rebuilding it. This not only reduces redundancy but also promotes interoperability and cost efficiency across ecosystems.
Technically, the model mitigates the risks associated with cross-chain vulnerabilities by eliminating dependence on custodial bridges and trusted relays. Each transaction under Hemi’s security umbrella benefits from Bitcoin’s proven immutability.
The Vision Ahead
As the crypto landscape moves toward modular and interconnected infrastructure, Hemi positions itself as the security backbone for the decentralized internet. Its ability to extend Bitcoin’s integrity to diverse ecosystems could set a new precedent for scalability and trust in blockchain architecture.
If successful, Hemi won’t just connect Bitcoin and Ethereum it will redefine how blockchains secure, scale, and interact in the years ahead.
$HEMI #HEMI @Hemi