A digital asset
investment fund
Viska is an alternative investment fund based in Iceland that invests in digital assets.
Viska is an alternative investment fund based in Iceland that invests in digital assets.
The Trump administration has given a green light for crypto to be included in 401(k) plans. New guidance issued by the Department of Labor on August 11, 2025, establishes a clear pathway for digital assets to be included in retirement portfolios. This move could potentially unlock a portion of the $7 trillion market and marks a major step for the industry at large.
The new guidance provides a clear framework under existing retirement laws (specifically, ERISA). In simple terms, it gives those in charge of 401(k) plans a defensible method for evaluating and adding digital assets as an investment option. Previously, plan managers avoided such assets due to regulatory hurdles. Now, the decision is officially in their hands.
Fact sheet published as of 7.8.25 on thewhitehouse.gov
The primary opportunity is the sheer scale of new capital that could flow into the market. Even a small 1% allocation from the trillions held in 401(k)s would represent a massive investment in Bitcoin, which would significantly increase market depth. For investors, it offers a straightforward, tax-advantaged way to add a high-growth asset to their retirement portfolio.
In a recent post by the head of research at Bitwise, Ryan Rasmussen underscores how even a small amount of investment can make a significant splash in a small pond. Post via X as of 7.8.25
There will be a significant delay between this announcement and seeing crypto-exposure as an option in most 401(k)s. Major retirement plan providers still need to build or adopt the technology to handle these assets securely and efficiently. As a result, we can expect a gradual rollout, likely started by smaller, more agile fintech companies before the big players follow.
The Department of Labor's new guidance has solved the regulatory question, but it creates a new challenge of practical implementation. The future of Bitcoin in retirement plans will now be driven by the decisions of individual plan sponsors across the country. The door is officially open; the question is who will be the first to walk through it.
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