The first ledger, The distributed exchange of XRPL elicited a sharp comparison this week when I said that the 401(k) and XRP were “basically the same” with the aim of increasing long-term value.
According to letter Sent to the Securities and Exchange Commission, nine lawmakers, including French Hill and Anwagner, on the House Committee, urged them to act on an executive order from President Donald Trump that would make it easier for retirement benefits to hold codes. This move touches around 90 million Americans who use it 401 (k) account.
Legislators push 401(k) access
Based on the report, push is intended to loosen certain investors’ rules, so retirement plans can include alternative assets such as BitcoinEthereum and XRP.
If the plan is accessed, even very small allocations can add large sums to the market. A 1% to 2% allocation for the $12 trillion 401(k) market is proposed as a reasonable scenario. That mathematics will be converted from about $120 billion to $240 billion that flow into crypto assets.
401K and XRP are basically the same https://t.co/jqtkhf4ovy
– First Ledger (@first_ledger) September 22, 2025
Big money, big comparison
To give it that scale, Bitcoin exchange trade funds won $57 billion since January 2024. During the same period, Bitcoin prices were reported to have risen from $45,000 to $124,457, with the global crypto market rising from $1.65 trillion to more than $4.17 trillion.
Report It also points out that public retirement plans are beginning to add crypto exposure. It points out, for example, that Michigan’s retirement system is increasing its holdings of Bitcoin and Ethereum Trust. Analysts say such a move will result in more arguments for the 401(k) than theory.
Resignation assignment
Based on the analysis cited in August, global retirement funds, which have been allocated to XRP of about $50 trillion (approximately $500 billion), could bring the price closer to $12.
Due to the wider multiplier effect, the listed predictions range from $17 to $34. In the context, another analysis estimates that a 2% allocation to Bitcoin will increase the price to around $175,000, and drive Bitcoin’s market capitalization to nearly $3.4 trillion.
Retirement funds could add billions
Market commentators argue that retirement benefits will likely flow. ETFS Not buying raw coins. Paul Barron suggests that 401(k) capital will first head towards Crypto ETFs, while others say ETF access to XRP could be transformative.
That view is based on the idea that ETFs are familiar, regulated rappers, and many plans already use them. First ledger comparison XRP frames XRP as a tool for long-term value transfers and likens the role of tokens in cross-border settlements to the steady goal of retirement savings.
NWM featured images, TradingView charts
