Important Cryptocurrency Updates: Trump, Ripple, Harvard, and more – News You Shouldn't Miss Out On
In a groundbreaking move, a historic decree signed by former President Donald Trump in 2025 has allowed cryptocurrencies, including Bitcoin and Ethereum, to be included as investment options in 401(k) retirement plans in the United States. This regulatory shift could unlock billions of dollars in capital flowing into crypto assets from approximately 60 million American workers participating in 401(k) plans.
The decree mandates the U.S. Department of Labor, SEC, and other federal agencies to revise rules under ERISA (1974) to formally define cryptocurrencies as "qualified assets" for retirement plans, placing them on par with traditional assets like stocks and bonds. This move paves the way for a more diverse investment landscape, allowing participants to diversify their 401(k) portfolios beyond conventional holdings.
The inflow of 401(k) money could provide substantial capital inflows into Bitcoin, Ethereum, and other cryptos over time. Regular, institutionalized investments from retirement accounts could reduce volatility and create a more stable price floor for these assets. The decree also accelerates the adoption of crypto Exchange-Traded Funds (ETFs), making it easier for wealth managers and pension funds to offer spot Bitcoin and Ethereum ETFs with regulatory clarity.
The policy elevates crypto’s legitimacy within traditional finance, potentially attracting more institutional investors and accelerating widespread adoption. However, critics raise concerns about the risks of adding volatile crypto assets to retirement portfolios, which are typically more conservative and risk-averse.
In other crypto news, Ethereum (ETH) has surpassed $4,300 for the first time since 2021, driven by institutional inflows and regulatory clarity. The ETH/BTC ratio at 0.023 is expected to exceed 0.027 to confirm an altcoin rally, according to Michaël van de Poppe. A 1% allocation to cryptocurrencies could represent $125 billion, potentially increasing Bitcoin by 5.4% and Ethereum by 26.5%.
Staged entries are recommended: buy on dips (ETH: 4200-4300, BTC: 110000-115000, XRP: 2.5-3$). Take profits are set at ETH: 4500, BTC: 126000, and XRP: 4$ for partial gains. The week of August 7-9, 2025, marks a turning point for crypto with Trump's decrees, the end of the SEC-Ripple case, and Harvard's investment.
Moreover, the convergence of crypto regulations between the United States and the UAE creates a global environment favorable to crypto expansion. BlackRock plans to offer 401(k) products with 5-20% crypto allocation, signaling a structural change in traditional finance. Dubai approves the first license for crypto options, facilitating institutional access to derivatives. The SEC and Ripple have ended their four-year lawsuit with a joint rejection of appeals, eliminating a major uncertainty for XRP.
Charles Ledoux, a Bitcoin and blockchain technology specialist, has written numerous masterclasses and over 2000 articles. Bitget offers a platform for accumulating BTC, ETH, XRP, and liquid staking tokens like LDO or RPL before 401(k) flows. Harvard, the first Ivy League university, has invested $116.6 million in the Bitcoin ETF of BlackRock.
In conclusion, Trump’s 2025 decree has the potential to dramatically expand cryptocurrency exposure within U.S. retirement savings, which could lead to significant capital inflows and price support for Bitcoin and Ethereum markets while also driving further regulatory normalization and institutional adoption. The full implementation depends on subsequent regulatory rulemaking that will define the practical inclusion and safeguards for these investments.
- The crypto academy, in light of the historical decree signed by former President Donald Trump in 2025, will likely witness an influx of students seeking to understand finance and investing in cryptocurrencies, such as Bitcoin and Ethereum, due to their new inclusion as investment options in 401(k) retirement plans.
- Businesses in the technology sector, particularly those involved in cryptocurrency, may experience a boost as the general-news surrounding the decree propels a more diverse investment landscape, allowing for investments in cryptocurrencies like Bitcoin and Ethereum alongside traditional assets such as stocks and bonds.
- The finance industry, including wealth managers, pension funds, and universities like Harvard, may increasingly turn to cryptocurrency Exchange-Traded Funds (ETFs) for spot Bitcoin and Ethereum investments, following the revised rules under ERISA (1974) that formally define cryptocurrencies as "qualified assets" for retirement plans.
