Congress Pushes SEC to Open $12.5 Trillion 401(k) Floodgates to Bitcoin — Will This Retirement Tsunami Propel BTC to Unprecedented Highs?

Washington turns up the heat. Lawmakers are now pressuring the Securities and Exchange Commission to clear the path for Bitcoin in America's massive 401(k) retirement system. The prize? A staggering $12.5 trillion pool of capital that could fundamentally reshape the digital asset landscape.

The Regulatory Standoff

The debate isn't new, but the pressure is mounting. Proponents argue that excluding a major asset class like Bitcoin from retirement plans does a disservice to savers seeking diversification and long-term growth. Critics, often echoing the SEC's traditional caution, point to volatility and regulatory uncertainty. Now, Congress is forcing the issue, setting the stage for a potential policy pivot with monumental implications.

A $12.5 Trillion Question

Unlocking even a fractional percentage of the U.S. retirement market would represent a tidal wave of institutional capital. This isn't just another ETF approval; it's about weaving digital assets directly into the fabric of long-term American savings. The mechanics would be complex—custody solutions, plan sponsor education, fee structures—but the sheer scale of the opportunity dwarfs previous institutional inflows.

Market Mechanics on Steroids

Analysts are running the numbers. Systematic, recurring contributions from 401(k) plans would create a powerful, buy-side pressure largely insulated from daily market sentiment. It would institutionalize demand, potentially reducing volatility and cementing Bitcoin's role as a macro asset. The move could also spur a wave of financial product innovation, from target-date funds with crypto exposure to new managed account strategies.

The Ripple Effect

Approval wouldn't happen in a vacuum. It would likely trigger a reassessment by other major retirement vehicles, including 403(b)s and public pension funds. The legitimization effect could be more powerful than the capital flow itself, forcing traditional finance giants to fully build out their digital asset infrastructure or risk obsolescence—a delightful irony for an asset class born to bypass them.

The final decision rests with regulators, but the political and financial winds are shifting. If the gate opens, the influx from the retirement system wouldn't just push prices—it would redefine what Bitcoin is in the eyes of millions. Get ready; the era of the 401(k) HODLer may be closer than you think. After all, Wall Street has never missed a chance to repackage an innovation and charge a fee for it.

U.S Congress Pushes for Bitcoin In Retirement Portfolio

In a formal December 11 letter addressed to SEC Chairman Paul Atkins, Congress expressed support for President Trump’s August 2025 executive order directing the Department of Labor and SEC to revise regulations currently restricting 401(k) investment options.

BREAKING

Congress is urging SEC Chair Atkins to allow bitcoin and crypto in 401(k) accounts pic.twitter.com/UMUScJaJ5x

The initiative aims to provide ordinary workers with investment choices comparable to those available to large pension funds.

According to WHITE House data, total U.S. retirement assets reached $43.4 trillion as of March 31, 2025, yet most savers remain blocked from accessing alternative investments.

Lawmakers contend that permitting measured allocations into these assets could improve risk-adjusted returns and bring retirement investment strategies into the modern era.

Industry experts view this policy evolution as a pivotal moment for Bitcoin’s integration into traditional finance.

Analysts calculate that even minimal allocations, ranging from 1–3%, from retirement funds could generate tens of billions in fresh buying pressure, potentially driving BTC to record highs.

Bitcoin Price Prediction: Technical Setup Shows Mid-Cycle Correction

The weekly chart reveals Bitcoin retreating from the substantial $100,000–$108,000 resistance zone after failing to maintain support above it, creating a distinct mid-cycle pullback.

Price currently hovers around $90,000, positioned just above the critical long-term weekly support NEAR $76,000, which represents the essential structural foundation for preserving the broader uptrend.

The MACD remains DEEP in bearish territory but is starting to flatten, suggesting downside momentum may be weakening after months of selling pressure.

If Bitcoin can recapture the $100,000–$108,000 region and subsequently break through the next major pivot at, the chart structure supports continuation of the bull run toward the projected target around $131,000.

This Presale Raised $2.3M – Is Pepenode the Next PEPE?

If Bitcoin starts going up again and people begin putting their retirement money into crypto, meme coins like Pepenode (PEPENODE) could see big price jumps.

Pepenode is a new crypto project that’s already raised over $2.3 million, even though the market has been tough.

It’s a game where you can “mine” coins without needing any expensive computer equipment.

You play the game in your web browser, set up VIRTUAL mining nodes, and upgrade your facilities to earn more tokens.

The project is trying to copy the success of PEPE, another meme coin that went up over 1,000 times in value during 2023-24.

As more people start buying Pepenode’s mining rig, the token price is expected to go up quickly.

To join the presale before the price increases, go to the official Pepenode website and connect a crypto wallet like Best Wallet.

You can buy tokens right now for $0.001192 each and can pay with crypto coins like ETH, BNB, or USDT.

You can also use a regular credit or debit card to make your purchase in just seconds.