The U.S. House of Representatives is increasing pressure on the U.S. Securities and Exchange Commission (SEC), urging it to allow Bitcoin and other cryptocurrencies to be included in 401(k) retirement investment plans. This is XEM as a significant move in the context of the U.S. under President Donald Trump's push for policies more friendly to financial innovation and blockchain technology.
According to market sources compiled by Mars Finance, a group of members of the House Financial Services Committee sent a letter to SEC Chairman Paul Atkins. The letter emphasized that current SEC regulations are outdated and have not kept pace with the development of digital assets, preventing millions of Americans from accessing a new asset class with strong long-term growth potential. The group of lawmakers argued that investment products such as Bitcoin, Ethereum, and many other digital assets should be treated as legitimate alternative investments, similar to commodities, real estate, or private Capital funds already included in some pension funds.
One notable point is that lawmakers are reiterating a long-standing point of contention: the criteria for an "accredited investor" are too stringent. Under the old rules, only high-income earners or those with substantial assets could access certain high-risk, high-return investment opportunities. The U.S. Congress now seeks to broaden these criteria to make opportunities more accessible to a wider audience. New proposals include allowing individuals with professional financial certifications, relevant experience, or who pass financial literacy tests to access investment deals previously reserved for the ultra-wealthy.
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With the U.S. economy shifting toward innovation, the desire to expand access to investment is no longer a purely technical issue. Since the beginning of 2025, many members of Congress have publicly expressed the view that American workers – those saving for the future – should benefit from the explosive growth of the digital asset market. Allowing Bitcoin to be included in 401(k) plans is seen as aligning with a global trend, as more and more countries XEM cryptocurrencies as part of modern finance.
