Hines said he is leaving the crypto advisory group to rejoin the private sector but will continue to support the cryptocurrency industry.

Bo Hines, director of the White House crypto advisory group, steps down.

The potential integration of Bitcoin (BTC), the world’s largest 
cryptocurrency, into the United States 401(k) retirement plans could open the 
door to a $12 trillion investment pool, marking a significant shift in 
mainstream adoption. With millions of Americans contributing to this plan 
every two weeks, even a small allocation to Bitcoin could create a steady, 
long-term inflow of capital far exceeding the impact of spot Exchange Traded 
Fund (ETF). Related Reading: Crypto Is Here To Stay—Even The SEC Can’t Do 
Anything About It, Analyst Says Bitcoin To Break Into 401(k) Retirement Market 
Bitcoin’s possible entry into the US $12 trillion 401(k) investment options 
could represent one of the largest structural inflows in the asset’s history. 
Tom Dunleavy, the Head of Venture at Varys Capital and a former senior analyst 
at Messari, declared in an X social media post on August 7 that 
cryptocurrencies in the 401(k) retirement plan are much bigger and more 
bullish news than the ETFs. Dunleavy explained that the US currently has 
around 100 million Americans participating in the 401(k) plan, where a fixed 
portion of each paycheck is automatically invested into preselected portfolios 
of stock and bonds. These allocations are typically reviewed annually at most, 
creating a steady and predictable stream of capital into financial markets. 
Additionally, over the past two decades, this 401(k) plan has been a critical 
driver behind the resilience and long-term upward trajectory of US equities. 
According to Dunleavy, the total value of assets in the 401(k) plans stands at 
approximately $12 trillion, with around $50 billion in fresh contributions 
added every two weeks. The analyst suggested that even a small portfolio 
allocation to Bitcoin would represent significant and recurring inflows. He 
estimated that a 1% allocation translates to roughly $120 billion in 
continuous buying, 3% would equate to $360 billion, and 5% would reach a 
whopping $600 billion. Unlike one-time purchases, Dunleavy notes that these 
allocations could continue indefinitely once set, creating a persistent demand 
floor for Bitcoin and other cryptocurrencies. He also compared the 401(k) plan 
to ETFs, claiming that cryptocurrencies within the investment pool could have 
a greater long-term impact than the launch of Spot Bitcoin ETFs. Regulatory 
Backdrop And BTC’s Path To Adoption Dunleavy has indicated that the possible 
integration of Bitcoin into the 401(k) investment menus is closely tied to the 
Employee Retirement Income Security Act of 1974 (ERISA). He noted that ERISA 
establishes fiduciary standards designed to protect participants&#8217; interests 
and ensure they receive promised benefits. Under this framework, most 
fiduciary risk is borne by consultants, who advise plan sponsors on asset 
allocation and investment options. Related Reading: Ripple-SEC Legal Drama 
Ends; XRP Skyrockets 13% For over a decade, these consultants have been 
researching the cryptocurrency market, building the knowledge base and 
compliance structures necessary to justify a modest crypto 
allocation—typically ranging between 1% and 5% for pensions and potentially 
401(k) participants. Until recently, structural and regulatory constraints 
meant crypto could not be directly offered as an investment choice. With those 
barriers potentially shifting, consultants now have both the regulatory cover 
and the research credibility to recommend adding Bitcoin to retirement plans. 
Featured image from Unsplash, chart from TradingView

Bitcoin Moves Into $12 Trillion Sector: Why BTC In 401Ks Is A Big Deal

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Ripple Legal Chief Unveils Hidden Risk That Could Stall Crypto’s Next Big Break

The Bitcoin price has been enjoying some form of resurgence over the past 
week, returning above the significant $115,000 level again. The premier 
cryptocurrency briefly crossed the $117,000 mark on Friday, August 8, 
capitalizing on recent bullish developments in the United States. On Thursday, 
August 7, United States President Donald Trump signed an executive order 
allowing cryptocurrency investment in 401(k) plans. The Bitcoin price rallied 
on the back of this positive development and looks set to continue this ascent 
back to its current all-time high. Why 118,000 Might Be Crucial For Bull Run 
Resumption In a recent post on the social media platform X, prominent crypto 
analyst Titan of Crypto put forward an interesting outlook for the Bitcoin 
price over the coming days. According to the current setup, the flagship 
cryptocurrency could be on its way back to its record-high price of around 
$122,800. Related Reading: Analyst Outlines How Production Cost Determines XRP 
Price, But Is It Better Than Bitcoin? Titan of Crypto highlighted that the 
Bitcoin price has been on an upward trend since April 2025 and recently just 
bounced off the ascending trendline. Also, the market leader has filled the 
Fair Value Gap (FVG), a liquidity void often created by a sharp movement in 
price. However, the Bitcoin price seems to be approaching a critical level 
around the Kijun-sen (blue line) from the Ichimoku Cloud indicator. The Kijun- 
sen, also known as the Base Line, often represents the market’s equilibrium 
and can act as a key support and resistance level. As shown in the chart setup 
above, the market leader has climbed back above the Tenkan-sen (red line), 
which is an indicator of early momentum shift. Meanwhile, the Kijun-sen 
(hovering around $118,000) appears to be the only obstacle in the way of 
Bitcoin returning to its all-time-high price within the $123,000 region. 
However, a sustained close above the “blue line” could suggest a resumption of 
the bull run for the price of BTC. Moreover, the Chikou Span (orange line), 
which is a lagging indicator, remains in the bullish zone, supporting a 
broader uptrend narrative for the market leader. Bitcoin Price Overview As of 
this writing, the price of Bitcoin stands at around $116,880, with no 
significant movement in the past 24 hours. This sluggishness does not 
adequately reflect the coin’s activity over the past week. According to data 
from CoinGecko, the premier cryptocurrency is up by more than 3% on the weekly 
timeframe. Related Reading: Crypto Is Here To Stay—Even The SEC Can’t Do 
Anything About It, Analyst Says Featured image from iStock, chart from 
TradingView