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CryptoMediumUpdated×2•Originally published 30 March 2026•Updated 31 March 2026•

1 min read

US Labor Department Proposes Rule to Include Crypto in $10 Trillion 401(k) Market

Golden Bitcoin coins and wallets in front of the US Capitol building and American flag, with an upward trend graph.

Key Facts

1The U.S. Labor Department proposed a rule to expand access to digital assets in retirement portfolios.

2 months ago

Version History

5 additional sources confirmed this story

Version 22 months ago

What changed: The story was updated to include specific asset performance data, noting that XRP saw $15.8 million in inflows as a direct reaction to the opening of 401(k) plans to crypto.

Version 12 months ago

What changed: Added specific attribution to Labor Secretary Lori Chavez-DeRemer, established the Monday announcement timing, and highlighted the reversal of long-standing regulatory resistance.

The U.S. Department of Labor formally proposed a new rule that would allow for the inclusion of cryptocurrencies and digital assets within 401(k) retirement accounts. Labor Secretary Lori Chavez-DeRemer stated that the proposed change aims to enable Americans to invest in products that better reflect the current investment landscape. This initiative follows an executive order from President Donald Trump and marks a dramatic shift from years of regulatory pushback against digital assets in workplace retirement plans. In an immediate market reaction, XRP investment products recorded $15.8 million in inflows, outperforming most of the cryptocurrency market. If finalized, the move could pave the way for crypto investments to tap into the massive $10 trillion 401(k) market. Analysts view this as a significant milestone toward institutional adoption, likely driving substantial capital inflows for major assets like BTC and ETH, as well as crypto-linked equities such as COIN and MSTR.