2025-12-25 07:25:29

Recently, an interesting trend has emerged—regulators and government agencies in the US are promoting a shift. Previously niche crypto assets and private credit are now gradually entering mainstream investment and retirement account systems.

From a policy perspective, this indeed broadens investors' choices. But the question is, are we truly ready? Is there enough liquidity, how transparent are asset valuations, and can ordinary investors' risk tolerance keep up—these are all unresolved questions.

On one hand, there are opportunities brought by policy promotion; on the other hand, there are challenges in risk management. The market is still exploring where this balance point lies.

View Original

This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.

16 Likes

Reward
16
5
Repost
Share

Comment

0/400

BlockchainTalker

· 4h ago

actually, let's break this down—the whole "mainstreaming crypto" narrative everyone's hyped about? fundamentally speaking, it's putting the cart before the horse. we're talking about dumping illiquid assets into retirement accounts where grandma's life savings live... smh. the transparency issue alone should have regulators sweating bullets, but here we are.

Reply0

StakeWhisperer

· 4h ago

They're at it again, tricking retail investors into entering the market, for real. Speaking of transparency, it's really laughable. Who dares to believe it? As for risk awareness, most people haven't even thought about it. I bet five bucks they'll crash. Isn't this policy just trying to harvest the little guys? I don't know if there's liquidity panic, but retail investors are definitely panicking. Still exploring? They've already started the cut, brother. If my retirement account touches this stuff, I’d go crazy.

View OriginalReply0

AirdropChaser

· 5h ago

Regulators' move here, to put it plainly, is just to harvest the leeks… bringing retail investors' retirement funds in, and who will be responsible when there's a crash? --- Here we go again, expanding the range of options? Isn't it just to make us take the fall? The issue of transparency has long been a dead end. --- Wait… Can this liquidity problem really be solved? It feels like an overwhelming amount of PPTs, but what’s the reality? --- The Americans' move… The policy looks great on paper, but in reality, they just want to legitimize and cash out from this high-risk crypto. Once retirement accounts get involved, it’s all over. --- Talking about expanding options, isn’t it just a disguised way to harvest ordinary people's pensions… As long as the regulators are friendly, that’s enough? --- The balance point? It’s impossible to find… On one hand, they want to make money, and on the other, they’re afraid of a blow-up. This is bound to end in a fall.

View OriginalReply0

WhaleInTraining

· 5h ago

Here we go again, scaring retail investors, claiming it's to "expand the choice range" --- Liquidity issues haven't been solved at all. This time, it's probably institutions laying traps for retail investors again --- Wait, do they want ordinary people to play with crypto in their retirement accounts? That’s a bit audacious --- The policy is pushed so hastily, indicating that institutions have already laid out their plans in advance... --- Risk management? Laughable, regulatory authorities are still figuring things out themselves --- Only those with large funds are truly prepared; retail investors still have to pay tuition fees --- Valuation transparency has always been a joke. Even now, as it goes mainstream, it's still the same --- What opportunity? Just a different way to harvest profits --- Adding crypto to retirement accounts... I just want to see how the Federal Reserve will shift the blame then

View OriginalReply0

ForkItAll

· 5h ago

Wake up, can retail investors really hold up, or is this just another feast of cutting leeks --- Here we go again, whenever the US pushes a policy, they think they can save the world. The liquidity hole hasn't even been filled yet --- What sounds nice is "expanding choices," but in reality, it's just digging a big hole for the aunties to jump into --- Are regulatory authorities trying to make crypto compliant or just covertly whitewash it? Question mark face --- Wait, retirement accounts are also going to touch these things? Aren't they tired of living? --- The usual rhetoric of opportunity + challenge is getting old. The key question is, who will be responsible when things blow up --- Transparency, in crypto, is just a joke, right? --- They want retail investors to be the bagholders again. As soon as good news comes out, it's enough to get everyone excited --- Private equity credit entering mainstream accounts... this logic is a bit extreme. Who bears the risk

View OriginalReply0