Bitcoin’s 50% plunge from its October peak has done more than just erase $2 trillion in market value — it has reignited a fierce debate over the fiduciary math of the American retirement system.

As investors scramble to parse the drivers of the latest crash, industry observers are asking if volatile digital assets have any business being in a $12.5 trillion 401(k) market designed for stability.

“If investors want to speculate on crypto, they are welcome to do so on their own. 401ks exist to help people save for a secure retirement, not gamble on speculative assets with no intrinsic value,” said Lee Reiners, a lecturing fellow at the Duke Financial Economics Center and a co-host of the Coffee & Crypto podcast.

U.S. President Donald Trump issued an executive order in August that allowed 401(k) and other defined-contribution retirement plans access to alternative assets, including digital assets. Even Securities and Exchange Commission (SEC) chair Paul Atkins said last week, just on the eve of the latest brutal crypto selloff, that “the time is right” to open up the retirement market to crypto.

But the recent rout in crypto might just turn retirement fund managers away from plans to add crypto to 401(k)s.

Reiners said that several large crypto companies, such as Coinbase (COIN), are already included in major equity indices, which means many 401(k) plans already have indirect exposure to crypto, and that should be enough.

“Unless Congress changes the law, plan sponsors are unlikely to include crypto, or ETFs, as plan options because they don’t want to be sued by their employees. For any employers that were considering it, I’m sure recent events have them reconsidering,” Reiners said.

The problem with putting people’s life savings into crypto is that the industry is relatively young and extremely volatile, and pension funds are for stable growth.

Buying and holding can work for assets like the S&P 500, which sees large volatility mostly during Black Swan events, such as the 2008 financial crisis or COVID-19 uncertainties. However, given the size of traditional markets, the government often steps in to stop the bleeding, and numerous regulatory frameworks exist to protect people’s investments.

But for crypto, much of its activity is just speculation, and that means prices can see extreme swings over a weekend or a week, which can quickly decimate billions in value with no regulatory oversight over market moves. This makes it even more nerve-wracking for investors to put their life savings into it.

Didn’t ‘get out quickly’

To put the uncertainty in perspective, many firms were likely blindsided by the sudden crash in bitcoin and crypto over the last few days.

In fact, the recent brutal selloff was so violent and sudden that BlockTrust IRA, an AI-powered retirement platform that has added $70 million in IRA funds in the past 12 months, was caught in the bloodbath.

“Sometimes we look at things that we say, ‘you know what, we should get out,’ and sometimes we don’t. And last week, we did not get out as quickly because a lot of the underlying fundamental data we’re looking at is still very strong,” Chief Technical Officer Maximilian Pace said in an interview with CoinDesk.

However, concerning the sudden selloff, Pace pointed to the firm’s “broad sense of analytics,” which operates effectively over longer timelines than short-term trading. That strategy helped it outperform in 2025, and the firm added that it is “not necessarily wavered by volatility.” The AI trading firm’s Animus Fund outperformed bitcoin throughout 2025 and was up 27% from January to December 2025, while the bitcoin buy-and-hold strategy was down 6% to 13% over the same period, the firm said in a press release.

In Pace’s view, zooming out and considering crypto investments over a five- to 10-year time horizon is the right way to think about 401(k) plans.

“You would be better thinking like a venture capitalist rather than like a day trader,” Pace said. “There are ways of de-risking the investment, either from a time perspective or from a strategy perspective, that make it more attractive or more acceptable for things like 401(k) programs. But like anything, there’s risk.”

The future of pensions

Perhaps there’s a need to zoom out further and think about the actual blockchain technology for retirement investment management than just putting money into tokens.

Robert Crossley, Franklin Templeton’s global head of industry and digital advisory services, is thinking exactly that. The retirement industry, which he says is siloed, slow-moving and over-regulated, could be revolutionized by onchain wallets that hold tokenized assets.

And by doing so, an individual’s digital wealth will be much more aligned with the rest of their lives, Crossley said.

“Whether you are a saver, an investor, a spender, you have all of these different financial activities which are currently serviced very differently by different providers in your life,” Crossley said in an interview.

If regulations come into play that don’t prohibit innovations, it is very likely that blockchain technology can eliminate such fragmentation of intermediaries. It’s possible that industry could see a supply of wallets that “unlock the possibility of programmable assets and securities and the ability to see all of your assets in one place and control them directly, rather than being intermediated,” he said.

“When something becomes tokenized, it becomes software. That software can be an asset, but it also could be a benefit, it also could be a liability. It could be a whole 401(k). It could be your whole DC [defined contribution] plan,” Crossley said.

Investors searching for the best crypto to buy now are increasingly focusing on projects that provide real infrastructure alongside structured early participation incentives. Among these projects, Remittix is gaining popularity with its PayFi payment framework and its 300% allocation incentive that is limited.

As discussions regarding cryptocurrency with actual use continue to grow, Remittix is included in discussions regarding the use of blockchain technology for payments and actual use of cryptocurrency.

Market participants are not only evaluating future price movement potential but also looking at how early allocation incentives can influence entry positioning. With the Remittix ecosystem progressing through product launches and rollout milestones, attention is shifting toward participation timing as access windows narrow across the platform.

Allocation Windows Tighten As Bonus Multiplier Drives Demand

Remittix is valued at $0.123 per RTX token, making it a part of the search discussions on the top crypto under $1. Remittix has managed to raise over $29 million from private funding, which is a clear indication of the demand for the blockchain infrastructure focused on payments.

Over 703 million tokens out of the 750 million available have already been secured. This is a clear indication that over 93% of the total allocation is no longer available. Participation activity has accelerated as availability continues to shrink across the ecosystem.

A major factor behind this surge is the 300% bonus available via email, allowing participants to receive up to three times more RTX tokens compared to their initial allocation. This incentive is widely viewed as one of the strongest allocation multipliers currently available among early stage crypto investment opportunities.

Infrastructure Launch Timeline Strengthens Real Utility Narrative

Remittix is widely recognized as a Remittix DeFi project focused on solving cross-border payment inefficiencies. The ecosystem is entering a critical rollout phase, supported by the Remittix Wallet already live on Apple devices while Android deployment continues toward release.

The broader PayFi platform is scheduled to go live on the 9th February 2026, marking the first full release of the crypto-to-fiat infrastructure. The platform aims to allow users to send digital assets directly into traditional bank accounts, addressing one of blockchain’s largest real-world adoption challenges.

Users can track ecosystem progress and allocation access directly through the Remittix platform homepage, where dashboard tools allow allocation monitoring and reward tracking.

As the platform rollout approaches, participation timing is becoming a major focus. Investors tracking how to buy crypto early are positioning themselves before broader payment infrastructure deployment expands user access.

Security Verification And Exchange Expansion Build Market Confidence

Remittix recently achieved a major credibility milestone after receiving full verification from CertiK. The project is also ranked as the #1 pre-launch token on CertiK, strengthening investor confidence and highlighting platform transparency.

The full security verification details can be reviewed through CertiK’s Remittix audit listing, which confirms project security standards and infrastructure validation.

The project has also revealed upcoming centralized exchange partnerships with BitMart and LBank. These future listings are expected to expand liquidity, increase accessibility and improve global exposure for RTX holders once trading access opens.

Allocation tracking, bonus activation and participation tools remain available through the Remittix dashboard portal, where referral rewards and allocation monitoring are currently active.

Core Factors Supporting Remittix Ecosystem Growth:

• Crypto-to-bank transfers designed for global payment efficiency
• Wallet infrastructure already deployed and expanding
• CertiK verification reinforcing platform security
• Global PayFi rollout targeting cross-border finance
• Referral rewards offering 15% USDT returns for ecosystem growth

Referral Rewards Expand Community-Driven Adoption

Remittix recently introduced a referral program allowing participants to receive 15% of new allocations in USDT, claimable every 24 hours through the dashboard. The program is helping accelerate ecosystem expansion while rewarding early network contributors.

The referral structure is designed to increase liquidity growth and broaden global participation. Many community members are using referral participation as an additional allocation strategy while supporting project expansion across new regions.

Final Allocation Phase Before PayFi Infrastructure Goes Live

Remittix is entering one of the most time-sensitive phases of its rollout as the PayFi platform launch approaches. With security verification completed, exchange partnerships revealed and wallet infrastructure already deployed, the ecosystem is transitioning toward full payment network deployment.

With over 93% of token allocation already secured, remaining access is narrowing rapidly. The 300% email allocation multiplier continues to drive strong participation as investors race to secure remaining availability.

As infrastructure rollout accelerates, the final allocation phase is expected to close quickly, marking one of the last opportunities to secure expanded RTX participation before broader ecosystem activation begins.

Discover the future of PayFi with Remittix by checking out their project here:

Website: remittix.io

Socials: https://linktr.ee/remittix

Disclaimer: This is a Press Release provided by a third party who is responsible for the content. Please conduct your own research before taking any action based on the content.

Ripple’s token has also surpassed BNB in terms of market cap after its sublime surge.

It was just hours ago, less than a day, when we wrote about XRP’s spectacular collapse as the asset plummeted to $1.11 for the first time since before the US presidential elections at the end of 2024.

This meant that it had shed over 50% of its value in a month as it peaked at $2.40 on January 6. Oh, how the landscape in crypto can change in hours sometimes, not even days or weeks.

What happened with XRP’s price since that local low has been nothing short of amazing. There were some signs about a potential rebound, such as the plummeting RSI metric, but even the most vocal XRP bulls were probably surprised by the extent of the rally.

After all, the cross-border token skyrocketed by 37% in about 18 hours – going from the aforementioned low to $1.54 before it faced some resistance and now trades around $1.50. This still represents a 34% surge in less than a day.

Santiment also weighed in on the token’s performance. The analysts acknowledged XRP’s rise in terms of market cap as well, as it now sits above BNB as the fourth-largest crypto asset.

They blamed the massive price pump in the past several hours on the overall network stability and growing activity on the XRP Ledger. Moreover, they showcased a chart indicating that Ripple whales went on an accumulation spree, with almost 1,400 separate $100K+ whale transactions (the highest in four months).

📈 Crypto markets are rebounding, but $XRP‘s price has been on a particularly huge tear. Since bottoming out below $1.15 just under 18 hours ago, the #4 market cap has now recovered to back above $1.50.

😱 Panic sellers should have stopped to notice the massive activity on the… pic.twitter.com/3y0eyGxpo2

— Santiment (@santimentfeed) February 6, 2026

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The ETF behavior will also be interesting to compare, but we would need to verify the data at the end of the trading day in the US. Preliminary data on SoSoValue shows a minor net inflow even for yesterday, but there’s no official confirmation as of yet, which is rather surprising.

Galaxy Digital Inc. (Nasdaq: GLXY) has authorized a share repurchase program of up to $200 million, allowing the company to buy back its Class A common stock over the next 12 months.

According to a company announcement, the repurchases may be conducted on the open market or through privately negotiated transactions, including under Rule 10b5-1 trading plans, and remain subject to applicable securities laws and exchange rules. The program does not obligate Galaxy to repurchase any shares and may be suspended or discontinued at any time.

The buyback program has a term of 12 months and, if conducted on the Toronto Stock Exchange, remains subject to regulatory approval under a normal course issuer bid. Purchases made on Nasdaq would be capped at 5% of Galaxy’s outstanding shares at the start of the program, according to the announcement.

Galaxy is listed on the Nasdaq and the Toronto Stock Exchange and operates across digital asset trading, asset management, staking, custody and data center infrastructure. The company did not disclose how much of the $200 million authorization it expects to use, or when repurchases might begin.

Mike Novogratz, founder and CEO of Galaxy, said the company is “entering 2026 from a position of strength,” adding that its balance sheet and ongoing investments give it flexibility to return capital when management believes the stock is undervalued.

The news comes three days after Galaxy reported a net loss of $482 million for the fourth quarter of 2025 and a $241 million loss for the full year, citing lower digital asset prices and about $160 million in one-time costs.

At the time of writing, shares of Galaxy were up about 17% over 24 hours, but remained down about 25% for the month, according to Yahoo Finance.

Related: Optimism passes buyback proposal to bolster OP token

Market downturn impacts crypto stocks

Galaxy’s recent share-price decline reflects a broader pullback across crypto-related equities, as Bitcoin has fallen over the past month from January highs above $97,000 to to a low of about $60,300 on Thursday.

Shares of Coinbase Global (COIN) were down about 36% over the past month, while Circle Internet Group (CRCL) fell about 34% over the same period and about 65% over six months.

Strategy (MSTR), the largest public holder of Bitcoin with 713,502 BTC on its balance sheet, has fallen about 20% over the past month and nearly 68% over six months. Cointelegraph reported Thursday that the company posted a $12.4 billion net loss in the fourth quarter of 2025.

Bitcoin mining stocks have also declined, with MARA Holdings (MARA) down about 27% over the past month and about 52% over the past six months, while IREN Limited (IREN) is down about 8% on the month.

Magazine: Bitcoin’s ‘biggest bull catalyst’ would be Saylor’s liquidation: Santiment founder