A new update shared by CryptoBull has stirred major excitement across the XRP community. According to the crypto influencer, President Donald Trump is preparing to sign an executive order that would allow XRP and other select cryptocurrencies to be included in 401(k) retirement plans.
Trump’s Executive Order and the Retirement Market Shift
As confirmed by Reuters, the executive order expected to be signed today will instruct the Department of Labor to reevaluate current restrictions on alternative assets, such as private equity, real estate, and cryptocurrencies, in employer-sponsored 401(k) retirement accounts.
The executive action is also expected to involve coordination with the Treasury Department and the SEC to establish a workable regulatory framework.
JUST IN: 🇺🇸 President Trump to sign executive order allowing #XRP and some other cryptocurrencies in 401(k) retirement funds!
— CryptoBull (@CryptoBull2020) August 7, 2025
This follows the Department of Labor’s decision in May 2025 to formally rescind its 2022 “extreme care” guidance, which had warned fiduciaries against offering cryptocurrencies in retirement plans.
That shift reopened the door for crypto assets to be considered viable investment options within 401(k) structures, provided that fiduciaries meet their obligations under ERISA and conduct proper due diligence.
401(k)s and the Role of Alternative Assets
The 401(k) is the most common retirement savings plan in the U.S., allowing employees to defer part of their income into investment accounts with tax advantages. Traditionally, 401(k) plans have offered limited exposure to equities, bonds, and mutual funds, with very few options for alternative investments.
However, some versions, such as self-directed or Solo 401(k)s, already permit a broader range of asset classes, including real estate and digital assets.
If the executive order is implemented, it could pave the way for a significant portion of the $12 trillion 401(k) market to invest in crypto. For XRP holders and the broader crypto community, this would represent a significant leap toward mainstream financial integration and institutional acceptance.
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Cautious Optimism Across the Industry
Despite the excitement, some financial professionals remain wary. Crypto’s notorious volatility, liquidity challenges, and regulatory ambiguity make it a complex fit for retirement portfolios.
Even private equity firms—initially optimistic about gaining access to 401(k) funds—have reportedly expressed concern over being bundled into the same category as crypto, fearing potential reputational risk.
Furthermore, some lawmakers are calling on the Department of Labor to reintroduce protective guidance that would prevent unsophisticated investors from being exposed to excessive risk through crypto-heavy retirement options.
What This Means for XRP and the Broader Crypto Market
CryptoBull’s viral post has gained traction at a time when real policy shifts are underway. While the executive order is still pending, reliable sources indicate that President Trump plans to modernize retirement investing by expanding allowable assets.
If implemented, this move could mark a historic moment for XRP and other compliant digital assets, bridging the gap between traditional finance and blockchain technology. The coming weeks will be critical in determining how far—and how fast—these changes will be realized.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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