CoinFlip Launches Payroll-Based Crypto Investing for U.S. Workers
CoinFlip has introduced a payroll-based cryptocurrency investing benefit for U.S. employees, allowing participants to allocate a portion of their wages to digital assets through automatic payroll deductions. The rollout comes amid rising interest in portfolio diversification and efforts to integrate alternative assets into mainstream financial products.
The program enables recurring purchases of Bitcoin (BTC), Ether (ETH), Solana (SOL) and select stablecoins, with a minimum contribution of $25 per pay period.
CoinFlip said the offering is aimed at workers who favor a gradual, dollar-cost averaging approach to crypto exposure. The company referenced research indicating that tens of millions of U.S. adults already hold digital assets, pointing to demand for regulated, accessible options that align with existing savings behaviors.
The launch coincides with ongoing participation in employer-sponsored retirement plans such as 401(k)s. Younger savers, in particular, have increasingly used payroll-based contributions to build long-term positions through dollar-cost averaging.
Earlier this year, Fidelity announced new retirement accounts designed to streamline access to cryptocurrencies. The lineup includes three accounts — a tax-deferred traditional IRA and two Roth IRAs — that permit buying and selling Bitcoin, Ether and Litecoin (LTC).
A 2024 Vanguard report found that 401(k) participation among younger Americans is rising, with employer matching identified as a significant factor.
Workplace crypto investing gathers pace
Growing interest in incorporating cryptocurrencies into traditional financial frameworks, including retirement planning, comes as policymakers and financial institutions evaluate ways to expand access to alternative assets.
In August, U.S. President Donald Trump signed an executive order directing federal agencies to review how alternative assets are treated in retirement plans, a step that could influence the consideration of digital assets.
The order instructed the U.S. Securities and Exchange Commission, the Treasury Department and the Department of Labor to coordinate on potential regulatory updates that would allow alternative assets — including cryptocurrencies — to be offered within defined contribution plans.
US President Donald Trump’s Aug. 7 Executive Order, titled “Democratizing Access to Alternative Assets for 401(k) Investors.” Source: White House
The initiative could be significant for cryptocurrency fund providers seeking access to the $12.5 trillion U.S. retirement market, which has traditionally been dominated by conventional investment offerings.
Stay informed, read the latest news right now!
Disclaimer
The content on TrustsCrypto.com is for informational purposes only and does not constitute financial or investment advice. Cryptocurrency markets are highly volatile, always do your own research before making decisions.
Some content may be assisted by AI and reviewed by our editorial team, but accuracy is not guaranteed. TrustsCrypto.com is not responsible for any losses resulting from the use of information provided.
