📌 U.S. Approves Crypto in 401(k) Plans — Bitcoin Nears Record as Wall Street Money Eyes Market

The U.S. has officially given the green light for cryptocurrencies like Bitcoin and Ethereum to be included in 401(k) retirement plans, a move that could channel massive amounts of Wall Street capital into the digital asset market. Bitcoin immediately rallied to almost $122K, within striking distance of its all-time high, while Ethereum surged above $4,300 for the first time in two years. Solana, $XRP , and other leading altcoins followed with double-digit gains.

Analysts say the impact goes far beyond short-term price action — opening retirement accounts to crypto means trillions in potential investment could flow in over time, strengthening liquidity, boosting institutional participation, and reducing market volatility. Major asset managers are already signaling interest in offering crypto-linked retirement products, and some large corporate 401(k) plans are expected to start adding allocations as early as next quarter. This policy shift cements digital assets as a legitimate long-term investment class and puts Bitcoin on track to test — and possibly break — new records.