📌 TOPINDIATOURS Eksklusif crypto: Bitcoin at $90K After House Letter – SEC Faces N

The House Financial Services Committee sent a letter to the SEC on December 12, 2025, urging the regulator to amend existing rules to permit Bitcoin and other digital assets within 401(k) plans. The move seeks to formally integrate crypto into the U.S. retirement system, potentially unlocking a new capital source for the asset class.

House Committee Demands SEC Action on Crypto in Retirement Funds

The letter directly references President Trump’s August 7, 2025, executive order, “Democratizing Access to Alternative Assets for 401(k) Investors.” That order mandated the SEC and the Department of Labor to review and dismantle barriers preventing alternative investments from being included in retirement plans. Bitcoin (BTC), trading at $90,304 (+0.08%), saw a slight uptick following the news.

Legislative support for the initiative is codified in the ‘Retirement Investment Choice Act’ (H.R. 5748), a bill introduced to legally cement the executive order’s directives. Proponents in Congress argue that current regulations are archaic, denying millions of American savers access to modern asset classes.

The Counter-Narrative: Fiduciary Risk and Volatility

Critics immediately pushed back, citing extreme volatility and fiduciary risks. The American Federation of Teachers has voiced strong opposition to similar measures, emphasizing the potential for fraud and the unsuitability of speculative assets for retirement security.

Financial analysts also share these concerns, pointing to the lack of long-term data and regulatory clarity. Warren Buffett has previously stated that Bitcoin produces no cash flow, making it more akin to gambling than a productive investment.

The Institutional Take

While direct retail access is the headline, the institutional impact is greater. This congressional pressure is not merely about adding a Bitcoin ETF to a 401(k) menu. It is about forcing a legal and fiduciary reclassification of digital assets.

If the SEC acts, it could provide legal air cover for plan administrators and asset managers who have been hesitant to touch crypto due to litigation risk under ERISA.

This shifts the conversation from ‘Is it allowed?’ to ‘What is the prudent allocation?’. Expect asset managers to accelerate the development of institutionally-packaged crypto products designed specifically for the defined-contribution market, regardless of the SEC’s immediate response.

The post Bitcoin at $90K After House Letter – SEC Faces New 401(k) Crypto Deadline appeared first on Cryptonews.

🔗 Sumber: cryptonews.com

📌 TOPINDIATOURS Eksklusif crypto: Plume CEO Chris Yin Reveals Why RWAs Are One of

As broader markets remain under pressure, real-world assets (RWAs) have emerged as one of the few sectors continuing to attract sustained interest. The market has grown by more than 150% this year. Furthermore, Chris Yin, co-founder and CEO of Plume, projects it could expand by 10x to 20x in both value and user adoption over the next year, even under conservative assumptions.

In an interview with BeInCrypto, Yin explained why RWAs are gaining traction at this stage of the market. He also outlined why they could remain a core focus throughout the next market cycle.

Why Investors Are Choosing RWAs in 2025 

In Q4, the broader crypto market has faced considerable pressure, forcing many to exit. Despite this, the RWA sector has managed to attract both retail and institutional interest. 

Data from RWA.xyz showed that the total number of asset holders has increased by 103.7% over the past month. This suggests growing engagement even as market sentiment weakens.

According to Plume’s co-founder,

“The RWA market has been driven by an interest across sectors in on-chain assets linked to reality. A level of certainty, as we have faced a not-quite-bear, not-quite-bull environment.”

As the overall economic downturn persists, Yin stressed that investors are becoming increasingly cautious about the volatility and sustainability of yields across decentralized finance markets. In contrast, RWAs are increasingly positioned as a source of more stable returns. 

With DeFi yields under pressure and economic uncertainty persisting, tokenized treasuries or private credit instruments are beginning to look more attractive on a risk-adjusted basis.

He also pointed to the rapid growth of stablecoins this year as evidence of the market’s broader shift toward stability. This is particularly true for institutional participants. 

“With stablecoins forming the basis of RWA onboarding, the next logical step is the development of yield coins and yield opportunities for these RWAs. People want high quality assets that generate safe, consistent, and reliable yields. Stablecoins are bringing people in, yield opportunities are what is driving institutions and retail to these assets,” Yin told BeInCrypto.

As investors continue to gravitate toward stability, Yin also acknowledged that one of the major concerns surrounding RWAs is the perception that it introduces additional KYC and compliance risks.

Nonetheless, he argued that tokenization can actually strengthen regulatory controls. It does so by making identity verification, access permissions, and transfer restrictions programmable at the asset level. 

Rather than relying on fragmented, off-chain compliance processes, issuers can enforce rules directly within the token through real-time eligibility checks, automated reporting, and immutable audit trails.

RWAs Expected to Remain a Core Market Theme in the Next Cycle 

While RWAs have continued to gain traction this year, Yin said the sector is likely to remain a consistent focus for both traditional finance and decentralized finance in the next market cycle.

He noted that, at present, the majority of RWA value is concentrated in tokenized T-bills. However, as the market matures, Yin expects increased adoption of private credit alongside a broader range of alternative assets.

These could include tokenized exposure to mineral rights, such as oil. Additionally, it could involve GPUs, energy infrastructure, and other real-world resources.

“The winners will be those who identify these opportunities, rather than simply doubling down on what has worked up until this point,” the executive commented.

Meanwhile, last month, Coinbase Ventures highlighted RWA perpetuals as one of the categories they are actively seeking to fund in 2026, signaling strong confidence. Yin also revealed that the company has consistently been bullish on RWA perpetuals.

According to Yin, perpetuals often generate trading volumes that significantly exceed those of spot markets, largely due to their superior user experience. He explained that perps are easy to use, allowing participants to take directional positions with ease while also incorporating leverage.

“We’ve always said at Plume the way to make RWAs onchain work is to make RWAs work for the onchain audience by putting RWAs into a UX that crypto natives are familiar with. For spot, that is making them permissionless, composable, liquid, which is what we do with our RWA yield protocol Nest on Plume, and another way that crypto natives engage in assets is through perps and so we are very bullish and excited about that form factor and what it can do for RWAs,” he explained.

Yin also drew attention to increasing innovation around real-world yield. He claimed that it is reshaping how yield is accessed and traded on-chain. 

As an example, Yin cited Pendle, noting that the protocol’s separation of principal and yield has introduced a new market structure for tokenized RWA cash flows. 

Beyond individual protocols, Yin said RWAs are gaining momentum across multiple blockchain ecosystems. 

“Solana’s RWA wave is showing what happens when yield becomes fast, programmable, and accessible to millions of users,” he mentioned.

Yin added that Solana’s speed and throughput make it one of the few networks capable of supporting high-frequency yield operations at scale. This capability becomes increasingly important as RWAs evolve from passive income instruments into a more active, tradable yield economy.

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🔗 Sumber: www.beincrypto.com