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October 18, 2025Coinpaper logoCoinpaper

Coinbase Targets the $39 Trillion Retirement Market — and Wall Street Is Paying Attention

Through a new partnership with iTrustCapital, one of the largest digital asset IRA platforms, the exchange will now allow investors to buy, hold, and earn yield on crypto within their retirement ￰0￱ to Coinbase Asset Management, the initiative targets millions of Americans seeking diversification as traditional 401(k)s struggle to keep up with inflation and market ￰1￱ new offering, branded as a Bitcoin Yield Strategy for IRAs lets users allocate part of their tax-deferred savings into assets like Bitcoin and Ethereum, generating passive yield while maintaining IRS compliance. “This is about giving people control over their own long-term wealth,” said Coinbase CEO Brian Armstrong, calling retirement savings “the next frontier” for digital ￰2￱ This Could Change Retirement Investing Forever More than 67 million Americans hold IRAs, and roughly $1 out of every $3 in household financial assets is locked in retirement ￰3￱ very few investors have had access to crypto within these portfolios — until ￰4￱ Coinbase-iTrustCapital model works by integrating secure custody through Coinbase Prime, combined with regulated trading and yield protocols inside iTrust’s ￰5￱ means investors can earn Bitcoin yield directly in tax-advantaged accounts, with institutional-grade ￰6￱ allocations in IRAs could grow rapidly: Fidelity now allows Bitcoin exposure in 401(k)s (up to 20% cap).

BlackRock’s Bitcoin ETF saw $18 billion in inflows since January ￰7￱ $400 billion in IRA funds could shift toward digital assets by 2030 if adoption continues at this ￰8￱ Other Financial Giants Are Responding Coinbase’s move mirrors a growing institutional trend: Fidelity and Charles Schwab have expanded digital asset exposure in index-based retirement ￰9￱ now integrates crypto options for self-directed IRAs. BlackRock’s CEO Larry Fink called tokenization “ the next generation for markets .” By stepping in early, Coinbase positions itself as the core infrastructure provider for this coming wave — blending AI, blockchain, and yield finance into the traditional wealth stack.

A small 3% shift of total ￰10￱ assets into crypto would represent over $1 trillion flowing into blockchain-based investments — enough to transform both Wall Street and DeFi ecosystems.

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