U.S. Securities and Exchange Commission (SEC) Chairman Paul Atkins has expressed a positive view on the inclusion of crypto assets in 401(k) plans, a cornerstone of the American retirement system. In an interview with CNBC, Atkins stated, “The time is now right,” indicating that barriers to access should be removed. Atkins highlighted the following points:

Many Americans already have indirect exposure to crypto assets through professionally managed retirement funds.
Direct access would allow Bitcoin and other digital assets to be included alongside traditional asset classes (stocks, bonds) in tax-advantaged retirement accounts.
The implementation must be carried out with a “measured” approach and strict oversight mechanisms to protect retirees.
The total volume of 401(k) retirement plans in the U.S. is approximately $12.5 trillion. Opening a market of this scale to crypto assets is considered a strategic development that could accelerate long-term institutional capital inflows into the sector. Atkins' signal indicates that crypto markets are maturing, custody infrastructures are strengthening, and the regulatory framework is becoming clearer. However, the issue is not without controversy. Some members of Congress and investor protection advocates argue that retirement savings could be jeopardized due to the high volatility, manipulation risks, and lack of transparency in crypto markets. Nevertheless, Atkins argues that these risks can be managed if a balanced approach is taken. This development stands out as a significant step strengthening the place of crypto assets within the mainstream financial system and could accelerate the shaping of relevant regulations in the coming period.

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