Trump 401(k) pension policy ignites three major coins! BTC hits 120,000, ETH approaches 4,000, XRP aims for historical new highs | 2025 institutional funds get on board

U.S. President Trump is about to sign an executive order legalizing retirement finance, allowing Crypto Assets to be included in 401(k) retirement account investment portfolios, leading to a big pump in three major mainstream tokens. Bitcoin (BTC) broke through the key resistance level of $116,000, with a technical target set at the psychological barrier of $120,000; Ether (ETH) strongly rebounded 16% from the Fibonacci support level, approaching the decisive hurdle of $4,000; Ripple (XRP) surged 11% this week to a peak of $3.33, just a step away from the historical high of $3.66. Technical indicators show that the RSI of the three major coins has broken through the neutral level of 50, while the MACD bearish momentum continues to weaken. The potential inflow of trillion-dollar retirement assets will reshape the funding structure of the crypto market and open a new chapter for institutional adoption.

Policy Catalyst: Trillions in Retirement Funds Unlocked, Institutional Funds Floodgates Open

The pension reform plan revealed by the Trump administration on Thursday is hailed as the most significant policy benefit in the history of cryptocurrencies. This executive order will allow American workers to invest their 401(k) retirement account funds in alternative assets, including cryptocurrencies, directly breaking down the institutional barriers between traditional finance and digital assets.

The total asset size of the US 401(k) plan exceeds $7.4 trillion. Even if only 1-2% is allocated to crypto assets, it will inject an incremental capital of $74-148 billion into the market. More importantly, this policy will drive traditional institutional investors such as corporate pension management agencies and retirement funds to reassess the strategic value of crypto assets, creating a demonstration effect of institutional adoption.

Policy expectations directly ignited market sentiment: BTC, ETH, and XRP recorded daily pumps of 2%, 6%, and 11% respectively, with a total market cap increase of over 120 billion dollars, reflecting investors' high expectations for policy implementation.

BTC technical breakthrough: 116K support established, 120,000 USD threshold in sight

(Source: Trading View)

The price performance of Bitcoin exhibits typical policy-driven breakout characteristics. On Thursday, BTC successfully broke through and closed above the key resistance level of $116,000, which had previously served as a top pressure multiple times, now converting into a support foundation. As of Friday, BTC is stabilizing around $116,700, laying the groundwork for further upward movement.

The technical indicator array shows a significant improvement: the Relative Strength Index ( RSI ) rebounded from 47 on Wednesday to 53, successfully breaking through the neutral level of 50, indicating that bearish momentum is fading. The daily MACD dual lines are beginning to converge, and the red histogram is shortening, suggesting that bearish strength is weakening, while the bullish takeover trend is becoming increasingly clear.

If $116,000 can establish itself as a valid support level, BTC's next technical target will directly aim for the psychological barrier of $120,000. This level is not only a resistance at an integer value but also 1.618 times the Fibonacci extension of the 2024 high of $73,737, possessing strong technical significance.

Risk Scenario: If BTC fails to hold the support at 116,000 USD, the pullback target is the 50-day EMA at 113,414 USD, corresponding to a correction space of about 2.8%.

ETH strong Rebound: Fibonacci support shows effect, 4000 USD critical breakthrough

(Source: Trading View)

The technical trend of Ether is more aggressive, showing characteristics of an excessive rebound. ETH strongly rebounded from the support level of $3,397 at the 78.6% Fibonacci retracement level on Sunday, with a cumulative increase of over 16% during the week, successfully closing above the intraday resistance level of $3,730 on Thursday.

Currently, ETH is approaching the key psychological level of $4,000, which is a convergence point of multiple technical factors: it is both an important resistance level since the bear market of 2022 and a psychological anchor price for institutional investors. Once a breakthrough is established, the upward space for ETH will directly open up to the December 2021 high of $4,488, corresponding to a 12.2% chasing space.

Technical Momentum Analysis: RSI reached 65, significantly above the neutral level of 50, in a healthy overbought range; MACD double lines are also converging, the bearish histogram continues to contract, and a fundamental reversal of bullish and bearish forces is occurring.

Pullback Support: If ETH fails to break through $4,000 and experiences a technical pullback, the primary support level is $3,730, which is the intraday resistance turned support level.

XRP Historic Opportunity: $3.40 Showdown, All-Time High of $3.66 Within Reach

(Source: Trading View)

Ripple has shown the most aggressive upward trend among the three major coins, with an increase of 11% over the week, and the technical trend exhibits characteristics of accelerated upward movement. XRP strongly rebounded from the 50-day EMA support level of $2.84 on Sunday, where this support level forms a triple support resonance zone with the 100-day EMA at $2.72 and the 50% Fibonacci level at $2.78.

Currently, XRP is challenging the key daily resistance level of 3.40 USD, which is the last technical barrier to the historical high of 3.66 USD. Once the closing confirms a breakout above this level, XRP will enter a historical high exploration mode, with the potential to refresh the record set in January 2018.

Strong technical indicators: RSI reaches 62, in a strong upward channel; MACD indicator also shows that the bearish momentum is weakening, and bullish momentum is building up. Considering the deep binding of XRP with cross-border payments and central bank digital currencies, the passage of pension policies will bring long-term allocation demand for it.

Technical Risk: If XRP fails to break through $3.40 and faces selling pressure, the retracement support level is the 50-day EMA at $2.84, corresponding to an approximate 15% correction.

Capital Flow Analysis: Pension Allocation Logic Reshaping Market Structure

The far-reaching impact of Trump's pension policy is not only reflected in the price level but will fundamentally change the funding source structure of the crypto market. The traditional 401(k) funds possess three main characteristics: long-term holding, risk diversification, and regular investment, which stands in stark contrast to the previous ecology of the crypto market dominated by speculative funds.

Configuration Logic Prediction:

BTC will benefit from its digital gold status, becoming a core allocation asset in retirement portfolios.

ETH attracts institutional funds seeking stable returns through its smart contract platform value and staking yield mechanism.

XRP benefits from the practicality of cross-border payments and regulatory compliance advantages, gaining favor among conservative investors.

Market Structure Changes: The entry of long-term funds will significantly reduce market volatility, enhance institutional acceptance of crypto assets, and lay a more solid capital foundation for the next bull market.

Conclusion

Trump 401(k) The imminent landing of the retirement policy marks a new stage in the institutional adoption of cryptocurrency. BTC breaking through $120,000, ETH hitting $4,000, and XRP refreshing historical highs are no longer merely predictions of technical analysis, but an inevitable trend driven by policy dividends and technological breakthroughs. The potential inflow of trillions of dollars in retirement assets will reshape the funding ecosystem of the entire crypto market, shifting from speculation-driven to value investment-led. Investors should seize this historic opportunity window, while also being cautious of the short-term volatility risks before the policy rollout, adopting a phased accumulation strategy to cope with market uncertainty. Risk reminder: Cryptocurrency investment carries extremely high risks, please invest cautiously according to your financial situation and do not invest more than you can afford.