US Congress weighs proposal to allow pensions to invest in crypto ETFs

US Congress reviewing bill to allow pensions to invest in crypto ETFs

US Congress weighs proposal to allow pensions to invest in crypto ETFs​

A newly introduced bill in the U.S. House Financial Services Committee aims to reshape how retirement savings interact with digital assets. If approved, the legislation would bring cryptocurrency ETFs into federally regulated pension programs, marking a major shift in how traditional retirement infrastructure engages with the crypto sector.

Pensions may soon gain access to crypto ETFs​

The proposal outlines a framework that would allow pension fund managers to allocate a portion of retirement portfolios into approved cryptocurrency exchange-traded funds. Supporters argue that the integration of digital assets could diversify long-term savings and offer exposure to emerging market sectors that traditional pension schemes currently overlook.

Critics, however, remain cautious, highlighting risks associated with volatility, liquidity imbalances and the broader regulatory uncertainty surrounding the crypto industry. Nonetheless, the legislative move signals that policymakers are increasingly willing to consider digital assets as part of mainstream financial planning.


Tax reform and mining deregulation included in the bill​

Beyond pension integration, the draft legislation proposes the removal of several existing tax obligations on cryptocurrency transactions. Lawmakers behind the bill argue that reducing the tax burden could stimulate innovation and encourage broader individual participation in digital markets. Such reforms may also ease compliance requirements for small investors and everyday users.

A surprising component of the proposal is the removal of federal restrictions on cryptocurrency mining. By reducing regulatory barriers, the bill aims to strengthen the United States’ competitive position in the global mining landscape, which has shifted dramatically in recent years as other regions tightened their policies.


A pivotal moment for U.S. digital asset policy​

If enacted, the bill would mark one of the most significant expansions of crypto-related rights within the American financial system. Pension access, tax elimination and mining deregulation together represent a substantial step toward integrating digital assets into long-term economic planning. While the legislative path ahead remains uncertain, the proposal illustrates a growing willingness among policymakers to treat cryptocurrencies as a durable component of modern financial infrastructure.

Industry observers note that the outcome of this proposal could influence global regulatory trends. As the U.S. continues to shape the rules governing digital assets, foreign markets often recalibrate their own frameworks to maintain competitiveness and regulatory alignment.



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