• The U.S. Department of Labor proposed a rule on March 30, 2026 that would allow 401(k) plans to include crypto, opening a potential path for some of the $10.1 trillion in retirement savings to reach XRP ETFs.

• XRP would not appear as a standalone option in the 401(k)—retirement money would reach it indirectly through crypto ETFs that include XRP alongside Bitcoin and Ethereum.

• TD Cowen analyst Jaret Seiberg expects it could take several years before fiduciaries feel legally safe enough to act on the rule.

• A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here.

For decades, the 401(k) has been limited to stocks, bonds, and…