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first_img Survey: 77% of Americans believe that cryptocurrency in retirement plans is risky

The latest survey by the National Institute on Retirement Security (NIRS) shows that 77% of Americans believe that cryptocurrencies in workplace retirement plans are risky, with 46% considering the risk to be extremely high, and 53% opposing employers offering cryptocurrencies as an investment option. The survey was conducted by Greenwald Research from October 24 to November 14, 2025, with a sample of 1,203 Americans aged 25 and older.The survey also revealed that 80% of respondents believe the U.S. is facing a retirement crisis, up from 67% in 2020; 61% expressed concern about achieving financial security in retirement, 68% believe it is becoming more difficult to prepare for retirement, and 77% stated that debt hinders adequate savings. Meanwhile, the Trump administration and federal regulators are pushing to expand access to alternative assets in retirement accounts.In May 2025, the U.S. Department of Labor rescinded previous guidance urging 401(k) fiduciaries to exercise "extreme caution" regarding cryptocurrency investments. Trump signed an executive order on August 7, 2025, directing the Department of Labor and the SEC to consider easing regulations. In March 2026, the Department of Labor proposed a draft rule allowing 401(k) plans to include alternative assets, but faced opposition from Senators Bernie Sanders, Elizabeth Warren, and others.

Poll: Most Americans Remain Skeptical About AI and Cryptocurrency

According to the latest poll by POLITICO, despite the AI and cryptocurrency industries investing significant political funds in the U.S. midterm elections, the overall American public remains notably cautious, even negative, towards both industries.The survey shows that 45% of Americans believe "investing in cryptocurrency is not worth the risk," while 44% of respondents think the pace of AI development is "too fast." Nearly half of the respondents indicated that they trust traditional banks to safeguard their funds more than cryptocurrency platforms; about two-thirds support the government implementing strict regulations on AI or establishing unified regulatory principles.Reports indicate that super PACs supporting the AI and cryptocurrency industries are rapidly becoming a significant funding force for the 2026 U.S. midterm elections. Among them, the pro-AI organization Leading the Future has raised over $75 million; the cryptocurrency PAC "Fairshake," supported by Coinbase, Andreessen Horowitz, and Ripple, has invested approximately $28 million in several key primaries.However, polls show that voters are more inclined to support candidates advocating for "increased AI regulation" rather than those pushing for deregulation. U.S. Senator Chris Murphy stated, "People do not trust the cryptocurrency industry and do not want AI companies to crush them culturally and economically."Additionally, more than half of Americans indicated that they have never purchased and would not consider purchasing cryptocurrency; 43% of respondents believe the risks of AI outweigh the benefits.
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