The US$10.8 trillion 401(k) plan is about to open its cryptocurrency investment channel. Several key questions: Q1: How long will it take after submission to the White House OIRA for final review? The review period is typically 90 days, but it can be completed early or extended. Based on the submission date of November 5th, the review is expected to be completed in January or February 2027. Q2: When can I actually buy Bitcoin? It is expected to be officially released and gradually implemented in the first half of 2027. More 401(k) plans may open up cryptocurrency investment in the second half of 2027 to 2028. However, the rule taking effect does not mean that all retirement accounts can automatically buy cryptocurrency; the final decision rests with the employer and the plan trustee. Q3: The Democrats control both the House and Senate; can they stop it? They can oppose it, supervise it, and attempt to overturn the rule through the Congressional Review Act (CRA). However, it requires a resolution passed by both houses and signed by the president. If Trump vetoes it, a two-thirds majority in each house is needed to override the veto. Q4: Does Trump have the authority to push this through? Yes. Trump has signed Executive Order 14330, requiring the Department of Labor to push for reforms to 401(k) alternative asset investment rules. The specific rules are formulated by the Department of Labor, with the White House OIRA responsible for final review. Congress does not need to pass a new law. Q5: How much money might ultimately enter the crypto market? The US 401(k) asset size is approximately $10.8 trillion. Based on adoption over the next 3-5 years, my scenario estimates are: Conservative: Approximately $500 million - $2.5 billion Median: Approximately $3 billion - $12 billion Optimistic: Approximately $16 billion - $39 billion The primary beneficiaries are expected to be Bitcoin ETFs, followed by Ethereum-related products.