President Donald Trump is preparing sweeping measures to integrate cryptocurrencies deeper into the U.S. economy, with plans that could reshape retirement savings and mortgage lending. According to reports, an upcoming executive order is expected to allow 401(k) retirement plans to include digital assets, potentially opening a vast new channel for mainstream crypto adoption.
The move follows Trump’s January directive on digital asset policy, with a comprehensive federal report set for release Wednesday. Industry watchers anticipate updates on initiatives such as the proposed Bitcoin Strategic Reserve and potential changes to crypto taxation.
Trump’s administration has already pushed boundaries in housing finance. William Pulte, head of the Federal Housing Finance Agency, instructed Fannie Mae and Freddie Mac to factor crypto holdings into mortgage underwriting. The decision has sparked backlash from Democrats, including Senator Elizabeth Warren, who warned that crypto’s volatility could threaten financial stability.
These developments come as the administration celebrates its first legislative win with the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act, passed during “Crypto Week.” Attention now shifts to the Senate’s draft bill on broader market structure regulation, which seeks bipartisan support similar to GENIUS’ success.
Lawmakers face an August 5 deadline for industry feedback, although Congress will largely be in recess. Despite the summer slowdown, crypto policy remains a top White House priority, with Trump vowing to make the U.S. the global hub for digital assets.
If enacted, these initiatives could rapidly expand crypto’s role in retirement savings, mortgage markets, and federal reserves — marking one of the most significant shifts in U.S. financial policy toward digital assets.
