The Trump administration is intensifying efforts to embed digital assets into the core of the U.S. financial system, targeting retirement plans, mortgages, and federal reserves in a move that could drastically reshape public exposure to crypto.
Executive Order Could Open 401(k)s to Crypto
A forthcoming executive order from President Donald Trump is expected to direct retirement plans — especially 401(k) accounts — to allow greater access to alternative assets like cryptocurrencies. If implemented, this would mark the most mainstream integration of digital assets into everyday investment portfolios.
The 401(k) market controls over $7.5 trillion in U.S. retirement assets.
While institutional investors have slowly embraced crypto exposure, such a policy would signal a shift in risk tolerance for retail Americans and force retirement fund managers to reassess allocation rules.
Crypto in Mortgages? FHFA Explores Bold New Criteria
The Federal Housing Finance Agency (FHFA), under Trump-appointed Director William Pulte, is pressing for a policy that allows crypto assets to count toward mortgage underwriting criteria. Government mortgage giants Fannie Mae and Freddie Mac have reportedly been directed to explore ways to accept borrowers’ unconverted crypto holdings as qualifying assets.
Senator Elizabeth Warren and fellow Democrats warned that this could destabilize the housing market due to crypto’s volatility.
In a formal letter, Warren’s group cited “risks to financial stability” and urged a halt to such changes, calling the move premature given the current lack of standardized crypto regulation.
Bitcoin Strategic Reserve and Federal Report Incoming
A wide-ranging White House report on crypto policy — expected Wednesday — will detail Trump’s digital asset roadmap. Insiders expect updates on the Bitcoin Strategic Reserve, regulatory coordination, and crypto-related tax proposals. This follows Trump’s successful passage of the GENIUS Act, establishing the first national framework for stablecoins.
Aiming to Make America a Crypto Capital
Trump has repeatedly vowed to make the U.S. the global hub for crypto innovation. By embedding digital assets into retirement, housing, and national reserves, his administration is making the boldest federal pivot toward crypto seen to date.
If enacted, these moves would mainstream crypto adoption across sectors of American life.
Disclaimer
This content is for informational purposes only and does not constitute financial, investment, or legal advice. Cryptocurrency trading involves risk and may result in financial loss.