Bitcoin at $200 by 2025? The retirement plan that could change everything has already been approved.

Bitwise projects that Bitcoin could reach $200.000 if access becomes widespread through 401(k) plans, following an executive order signed by Trump that enables investments in crypto assets from retirement funds.

A new executive order signed this month by U.S. President Donald Trump could redefine the investment landscape for millions of Americans. 

By expanding the asset options available in 401(k) plans, including cryptocurrencies like Bitcoin, we are opening up an unprecedented window for widespread access to these instruments. 

Bitwise, one of the most influential crypto fund managers, projects that This measure could boost the price of Bitcoin to $200.000 by 2025.Beyond the numbers, the real change lies in how digital assets are beginning to integrate into traditional savings and retirement structures.

Bitwise anticipates a new cycle of institutional adoption

Bitwise Asset Management, a firm specializing in cryptocurrency index funds, has published an analysis suggesting a strong appreciation scenario for Bitcoin if the massive inclusion of crypto assets in 401(k) retirement plans materializes. 

According to the report, direct access from retirement accounts could channel billions of dollars into Bitcoin, not only because of the volume of available capital, but also because of the recurring and long-term nature of these investments. Bitwise's thesis is supported by historical data on institutional adoption, Comparing the impact that the entry of exchange-traded funds (ETFs) had on the crypto market with what this new path could represent.

The document highlights that 401(k) plans manage more than $7 trillion in assets in the United States, and that even A conservative 1% allocation to Bitcoin would represent an injection of more than $70.000 billion.This type of influx, according to Bitwise, would not only impact the valuation of the leading cryptocurrency, but also legitimize it as a structural component of diversified portfolios. 

The firm emphasizes that access from retirement plans could further accelerate Bitcoin's transition from a speculative asset to a store of institutional value, especially in a context of persistent inflation and search for uncorrelated alternatives.

The executive order enabling crypto in 401(k) plans

La executive order The law signed by Trump this month modifies the regulatory framework for 401(k) plans, allowing managers to include alternative assets such as private equity, real estate, and cryptocurrencies. This decision represents a significant shift in investment policy for retirement funds, which have historically been limited to traditional instruments such as stocks, bonds, and mutual funds. This new regulation recognizes the evolution of the financial market and the need to offer greater flexibility to workers seeking to diversify their long-term savings.

The official document establishes that the trustees may evaluate the inclusion of alternative assets provided that criteria of diligence, transparency and suitability to the investor profile are met. 

In the case of cryptocurrencies, access is contemplated through regulated vehicles such as index funds, ETFs, or managed accounts, avoiding direct exposure to volatile assets without professional intermediation. This measure has been welcomed by players in the crypto ecosystem, who see it as institutional validation and an opportunity to expand the user base beyond the technological niche.

From a political point of view, the executive order is part of a strategy of financial modernization which seeks to position the United States as a leader in regulatory innovation. Although the debate over including cryptoassets in retirement plans has been intense in previous years, this decision sets a precedent that could be replicated by other countries seeking to streamline their pension systems.

Bitcoin as a retirement asset: A new narrative for the leading cryptocurrency

The possibility of including Bitcoin in 401(k) plans not only has financial implications, but also narrative ones. Until now, the dominant discourse surrounding Bitcoin has revolved around its role as a speculative asset, a refuge from inflation, or an instrument of financial sovereignty. However, its integration into institutional savings structures such as retirement funds poses a new narrative: that of Bitcoin as a long-term, reliable and structural asset within diversified portfolios.

This narrative could change public perceptions of cryptocurrency, especially among generations that have not yet interacted with digital assets. 

By making Bitcoin available on traditional investment platforms, it becomes accessible to ordinary workers, without the need for technical knowledge or direct exposure to market volatility. Furthermore, its inclusion in 401(k) plans could encourage financial managers to develop more sophisticated and secure products tailored to conservative profiles.

Bitwise argues that this shift in narrative is as significant as the projected financial impact. Legitimizing Bitcoin as a retirement asset could catalyze a new wave of adoption, driven not by speculation, but by long-term financial planning. In that sense, the projected price of $200.000 is not just a figure, but a reflection of a structural transformation in how the value and utility of cryptoassets are conceived in the global financial system.