Trump's Proposed 410(k) Cryptocurrency Move Could Potentially Pump Billions into Bitcoin and Ethereum: Which Cryptos Should You Invest In?
In a significant shift towards mainstream adoption of cryptocurrencies, President Trump's latest executive order has opened up 401(k) retirement accounts to include cryptocurrencies, private equity, and real estate as eligible investments[1][3][5].
This policy change could unlock the vast 401(k) market—which totaled $8.7 trillion in assets in early 2025—to cryptocurrency investments, generating sustained and predictable demand flows due to the nature of 401(k) participation and systematic portfolio rebalancing[2].
The Department of Labor rescinded the 2022 Biden administration guidance that urged "extreme care" regarding crypto investments, replacing it with a "facts and circumstances" fiduciary standard. This means plan fiduciaries must prudently evaluate cryptocurrencies as they would other investments, without blanket prohibitions[1][5].
The order tasks federal regulators (Labor Department, SEC, Treasury) with updating rules to facilitate inclusion of cryptocurrencies and other alternative assets in retirement plans, aiming to clarify and align regulations across agencies[2][3][5].
While the order expands investment choices and potential returns via alternative assets, experts caution that adoption will be gradual due to provider concerns over costs, legal risks, and the need to educate investors on the associated volatility and risks[3][5].
On the cryptocurrency market front, the order could channel billions of dollars into the crypto market. For instance, the presale for Snorter Token ($SNORT) has already surpassed the $2.8M mark, with tokens priced at $0.1007[6]. Similarly, the presale for Bitcoin Hyper ($HYPER) has amassed over $7.7M, with tokens priced at $0.012575[7].
Bitcoin Hyper ($HYPER) uses the Bitcoin Relay Program on the Solana Virtual Machine (SVM) to process transactions off-chain while maintaining Bitcoin's security guarantees. It is a Layer 2 solution that aims to integrate Bitcoin with the broader DeFi economy[8].
The new executive order could also spur the development of new financial products tailored for retirement accounts. However, the fine print of how crypto will be implemented in 401(k) plans remains to be seen[5].
In addition, the order prevents 'debanking' of crypto-related companies and individuals, providing a more stable environment for the crypto industry to thrive[9].
The order's positive impact on the crypto market is evident, with Bitcoin, Ethereum, Solana, and XRP posting strong gains after the announcement[10]. The reinstatement of policy similar to one from Trump’s first term signals growing institutional acceptance of digital assets[2][4].
Meanwhile, $AAVE, the utility token for the world's largest liquidity protocol, is seeing significant growth in TVL as DeFi rebounds. Analysts see this as a potential buying opportunity[11].
The price prediction for the $HYPER token is that it will reach $0.20 by the end of 2026[12]. Moreover, there is already $HYPER staking available, offering a 138% APY for investors who buy and stake during the presale[13].
Four of the 183 executive orders issued by President Trump are crypto-related, indicating a consistent interest in the sector[14].
Lastly, Snorter Token ($SNORT) powers Snorter Bot, a tool that helps users find and purchase low-cap meme coins that trade 'underground' on Telegram[15].
In summary, President Trump’s 2025 executive order marks a major shift toward mainstreaming cryptocurrencies in retirement accounts, potentially benefiting both retirement investors seeking diversification and the broader crypto market through increased capital inflows and regulatory clarity. However, practical implementation will depend on subsequent federal rulemaking and market acceptance over the coming months[1][2][3][5].
Altcoins like Snorter Token ($SNORT) and Bitcoin Hyper ($HYPER) could see increased investment due to the inclusion of cryptocurrencies in 401(k) retirement accounts. With the new executive order, individuals and providers will need to evaluate these altcoins like any other investments, prudently considering their associated volatility and risks.