XRP Gets A Retirement Twist: Expert Calls It A 401(k)

First Ledger, a decentralized exchange on the XRPL, drew a sharp comparison this week when it said 401(k) and XRP are “basically the same thing” in their aim to grow long-term ￰1￱ to letters sent to the Securities and Exchange Commission, nine lawmakers — including House committee chairs French Hill and Ann Wagner — urged SEC Chair Paul Atkins to act on an executive order from US President Donald Trump that would make it easier for retirement plans to hold ￰2￱ move would touch roughly 90 million Americans who use 401(k) ￰3￱ Reading: Dogecoin Warning: Double Top Formation Hints At Decline – Analyst Lawmakers Push For 401(k) Access Based on reports, the push is aimed at loosening specific investor rules so retirement plans can include alternative assets such as Bitcoin, Ethereum and ￰4￱ plans get access, even very small allocations could add big sums to markets.

A one percent to two percent allocation across the $12 trillion 401(k) market has been put forward as a reasonable ￰5￱ math translates to roughly $120 billion to $240 billion flowing into crypto assets. 401k and XRP are basically the same thing ￰0￱ — First Ledger (@First_Ledger) September 22, 2025 Big Money, Big Comparisons To give that scale: Bitcoin exchange-traded funds drew $57 billion since January ￰6￱ the same period, Bitcoin’s price is reported to have climbed from $45,000 to $124,457, and the global crypto market has grown from $1.65 trillion to more than $4.17 ￰7￱ also point out that public retirement systems are starting to add crypto exposure — for example, the State of Michigan Retirement System has increased holdings in Bitcoin and Ethereum ￰8￱ say such moves make the 401(k) debate more than ￰9￱ Allocation Based on an analysis cited in August, if global retirement funds managing about $50 trillion allocated 1% — roughly $500 billion — to XRP, a simple linear estimate could place the price near $12.

With wider multiplier effects, projections mentioned range from $17 to $34. For context, another analysis estimates a 2% allocation to Bitcoin could lift its price to about $175,000 and push Bitcoin’s market cap near $3.4 ￰10￱ Reading: XRP Price Chatter Heats Up After Developer’s $4 Hint – Details Retirement Funds Could Add Billions Market commentators argue that retirement money would likely flow into ETFs rather than raw coin ￰11￱ Barron has suggested that 401(k) capital would first head into crypto ETFs, and others have said that ETF access for XRP could be ￰12￱ view rests on the idea that ETFs are familiar, regulated wrappers which many plans use ￰13￱ Ledger’s comparison frames XRP as a tool for long-term value transfer, likening the token’s role in cross-border settlement to the steady goal of retirement ￰14￱ image from NWM, chart from TradingView