Ethereum’s Boomer Boom: Why Baby Boomers Love ETH 2026
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Crypto for retirement is here
Few would have ever thought they would see the day.
Yet that day now appears to be imminent.
Recently there has been a major push by US legislators to integrate digital assets into retirement planning – a move that would be seen as arguably the most significant development in crypto’s journey into mainstream acceptance.
It all began with US president Donald Trump’s executive order for regulators to include alternative assets in retirement plans.
Trump specifically mentioned cryptocurrencies when signing the order.
Things moved quickly from there.
A labour department warning about the risk of including crypto in retirement plans was retracted, while Congress, via a bipartisan letter no less, appealed to the US Securities and Exchange Commission to amend securities regulations to make provision for digital assets in retirement plans.
XRP already in the game
These developments, as extraordinary as they are, have raised questions about which platform or platforms stand to benefit most.
The short answer, according to many analysts, is payment cryptocurrency Ripple and its native XRP token.
There are many valid reasons for this but perhaps the biggest is that the platform is already in the game.
In October 2025, UK-based blockchain firm Ripplecoin Management launched a new retirement plan aimed directly at US investors.
In terms of its model, Ripplecoin Management opens the door for users to access long-term income opportunities that blockchain computing and mining tech offer.
“Our goal is to provide a technology-driven, sustainable solution that helps investors understand the potential of blockchain in future pension planning,” explained Michael Johnson, the company’s head of US blockchain solutions.
The firm is no small player either.
Not only is it regulated by the UK Financial Conduct Authority, but it holds $900 million in assets and 80 million XRP, giving it just the kind of liquidity needed to instil confidence among investors.
It also services clients in more than 120 countries and regions.
Institutional backing
By no means is this the only reason Ripple is being talked up as a retirement plan giant.
Institutional support, including from US government agencies, is putting it on extremely solid ground, pushing it further towards mainstream finance than ever before.
The Ripple to USD price has responded accordingly.
Enterprise adoption is now very real for the platform thanks to its push towards acquisitions and payment pilot projects.
The launch of the Ripple USD stablecoin has also been well-received.
In particular, investors are closely monitoring a multichain test rollout of the stablecoin on Ethereum Layer-2 networks.
This development is seen as a significant step towards greater institutional adoption.
A new normal
Although there may still be some bureaucratic hurdles to overcome, the use of XRP in retirement funds seems increasingly inevitable.
More pensioners and individuals approaching retirement are beginning to realize that cryptocurrency is not as mysterious as it once seemed.
While names may not be stored on the blockchain, addresses are, and this age group is starting to understand that these addresses essentially function like bank account numbers.
With major asset managers like BlackRock also coming on board, doubts are being cast aside faster than a crypto transaction.
Retirement fund portfolios may not look the same in the coming years but ultimately their function remains the same.