A certain Republican legislator, in a moment of… perhaps misguided ambition, has proposed a bill to etch President Trump’s crypto-centric executive order into the very bones of federal law.
This audacious maneuver could usher in an era where Americans’ retirement savings are no longer confined to the predictable drudgery of stocks and bonds, but instead dabble in the chaotic, ever-shifting realm of digital assets. The bill, a mere page long, seeks to transform a fleeting executive order into an ironclad federal law, as if the fate of the nation hinges on whether Bitcoin can be tucked into a 401(k).
Republican House Pushes to Codify Executive Order
On a Tuesday that likely felt like a Monday to most, Representative Troy Downing (R-Mont.) unveiled the Retirement Investment Choice Act. This one-pager, with the solemnity of a medieval charter, grants Executive Order 14330-Trump’s cryptic directive allowing crypto in retirement accounts-“the force and effect of law.” One might wonder if Downing consulted a seer or simply rolled the dice.
The initiative follows Trump’s August decree, which instructed the Labor Department to permit “alternative assets,” including digital assets, when deemed appropriate by plan fiduciaries. The proposal, if enacted, could reshape the $25 trillion US retirement market, a labyrinthine expanse where even the most seasoned investors might find themselves lost in a sea of emojis and volatility.
Executive orders, those ephemeral whispers of power, can guide policy but lack statutory permanence. Future administrations or courts can reverse them with the ease of a politician changing their stance. Downing’s bill aims to fix this gap by legally binding the directive, as if law itself were a cryptocurrency-secure, immutable, and prone to sudden crashes.
“Alternative investments hold the transformative potential to supercharge Americans’ financial security,” Downing said, as if the mere mention of “transformative potential” could make the stock market feel less like a gamble and more like a spiritual journey. “I applaud President Trump for his leadership to democratize finance.”
Meanwhile, the Department of Labor, currently engaged in a bureaucratic tango with the government shutdown, has 180 days to propose rule changes enabling plan sponsors to include such assets. One can only imagine the chaos if they manage to complete this task before the next election cycle.
About a month after Trump’s order in September, nine lawmakers urged SEC Chair Paul Atkins to accelerate implementation. They argued that 90 million Americans excluded from alternative assets deserve a stable, dignified retirement-assuming “dignified” doesn’t mean “able to afford a Bitcoin.”
Industry groups, including the American Retirement Association, back the bill. They say fiduciaries-not regulators-should decide suitable investment options. A noble sentiment, though one might question whether a fiduciary’s “suitable” choice is more likely to be a meme coin than a mutual fund.
JUST IN: 🇺🇸 Congressman Troy Downing to introduce bill that would cement President Trump’s executive order allowing $BTC in 401(k)s into law.
– Whale Insider (@WhaleInsider) October 14, 2025
New Flows Could Reshape Crypto Markets
If the bill becomes law, 401(k) providers may offer crypto funds in addition to traditional assets. This could become Washington’s most consequential move for digital-asset markets seeking long-term capital. Analysts estimate that even a 1% allocation from US accounts could add tens of billions of dollars to crypto markets-assuming the markets don’t crash first.
According to Bitwise, a 1% allocation of US 401(k) assets would channel $122 billion into crypto, while a 3% share could drive nearly $360 billion. Global crypto ETFs confirm the demand: by Oct. 4, 2025, funds saw record inflows of $5.95 billion, with the US making up $5 billion. One might say the market is less about retirement and more about a speculative fever.
Crypto is coming to 401(k)s. That’s a $10+ trillion door swinging open.
– Bitwise (@BitwiseInvest) August 7, 2025
Bitcoin and Ethereum ETFs have already been approved, and several altcoin-based ETFs now await SEC review. While the bill’s passage remains uncertain, its arrival shows clear political momentum to normalize crypto within retirement portfolios-though one wonders if the SEC is more concerned with regulating the market or simply avoiding a cryptocurrency-related existential crisis.
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2025-10-15 06:14