Copyright Fast Company
In July, President Trump signed an executive order aimed at expanding access to alternative investments like private equity and cryptocurrency in retirement accounts. The move reflects a broader shift in how Americans think about wealth building and financial freedom, and it is a signal to employers that the future of employee benefits is going to look very different. While crypto may have once seemed fringe or speculative, digital assets have steadily moved into the mainstream. From Fortune 100 companies to institutional investors, the appetite for diversification beyond traditional asset classes is growing. According to a survey by NYDIG, 36% of employees ages 30 and under would be interested in putting a portion of their salary toward Bitcoin; nearly a third of respondents would choose an employer that offers that kind of benefit over one that does not. Today, the question for HR leaders is no longer if crypto should be on the table, it is how to responsibly offer it as part of a modern benefits package. Whether you are crypto-curious or already exploring alternative benefits, 2026 presents a pivotal moment to reevaluate your retirement offerings and meet your workforce where they are. The Shift in Retirement Planning For decades, 401(k)s and employer-sponsored retirement accounts have focused almost exclusively on stocks, bonds, and mutual funds – and were the gold standard for most company benefits packages. These traditional assets remain foundational, but they are no longer the full picture. The recent executive order removes some regulatory barriers that have made it difficult for plan administrators to offer alternative investments like crypto. Subscribe to the Daily newsletter.Fast Company's trending stories delivered to you every day Privacy Policy | Fast Company Newsletters This is particularly relevant for younger, tech-savvy employees. A growing share of Gen Z and Millennial workers are seeking out portfolios that reflect both their values and their appetite for innovation. A recent YouGov study found 42% of Gen Z investors own crypto, which is nearly four times higher than the share (11%) who have a retirement account. For these employees, diversification is not just about returns. It is about autonomy and flexibility and moving away from traditional norms. Why Crypto Deserves a Seat at the Benefits Table Cryptocurrency is continuing to mature, and over the last decade, Bitcoin has delivered a total return of more than 43,000%, compared to roughly 200% for the S&P 500. While volatility remains a key characteristic, digital assets have demonstrated long-term potential as hedges against inflation, vehicles for international wealth transfer, and tools for financial inclusion. Major institutions now offer crypto products and ETFs tied to Bitcoin are increasingly accessible through traditional brokerages. From a benefits perspective, offering crypto access is not about replacing existing options. It is about adding choice. In the same way some employees opt for ESG-aligned investments or Roth versus traditional accounts, digital assets offer a new flavor of personalization in retirement planning that caters to younger demographics. Importantly, this aligns with broader trends. Employees are demanding more modern, self-directed benefits that reflect how they live, spend, and save in the digital age. Acknowledging the Risks and Addressing Them Of course, crypto is not without risks and I always recommend that individuals do their research before opting in. The solution is not to avoid the topic; it is to empower employees with tools and education. Employers exploring crypto-based benefits can take a measured approach. They can consider offering it as an optional investment, not a default. I’d also suggest working with vetted providers who prioritize security, compliance, and clear communication. Pairing any offering with robust educational resources, FAQs, and access to financial advisors who can demystify digital assets, is also a great way to boost comfortability. The key is to treat crypto the same way you would any emerging benefit, with transparency, optionality and a commitment to employee well-being. advertisement Practical Steps for HR Leaders in 2026 For HR leaders ready to explore crypto benefits, the first step is understanding your workforce—demographics and culture matter. A fintech startup with a younger, more digitally native employee base might see strong engagement with crypto offerings, while a more traditional organization may need to start with education before adoption. Surveying employees to assess their interest in digital assets can be a simple but powerful way to temperature check. The next step is choosing the right partners. Not all crypto providers are equipped to support retirement accounts, so it is critical to work with platforms that prioritize regulatory compliance, custodial protections, and seamless integration with existing 401(k) systems. Some platforms now offer hybrid investment options that allow employees to allocate a portion of their paycheck into select digital assets without leaving the benefits ecosystem they are already using. Transparency is important. It’s best to avoid automatically enrolling employees in crypto offerings. Instead, HR teams should provide opt-in structures that come with clear, plain-language explanations of both the opportunities and the risks. Educational webinars, explainer videos, and live Q&A sessions with financial experts can go a long way toward demystifying the space. If your company already hosts financial wellness sessions, this could be a natural extension of that programming. Pilot programs can also be an effective way to start small. For example, a small to medium-size tech company might roll out crypto access to new hires first or limit participation to a single office location. This allows HR teams to collect feedback, monitor engagement, and refine the program before scaling company wide. Finally, do not forget governance. Any new benefit, particularly one tied to emerging financial tools, may need to be incorporated into your company’s official investment policy statement and reviewed by legal and compliance teams. Document the process for evaluating and updating these benefits, and make sure employees receive up-to-date risk disclosures and support materials. Crypto does not have to be a wholesale transformation of your retirement program. But offering a responsible, opt-in pathway to digital assets could send a strong message to employees that your company is forward-thinking, flexible, and prepared to meet the evolving financial needs of its workforce. The Future of Financial Benefits Offering access to crypto does not mean veering from traditional assets. It means you are acknowledging the financial lives of your employees are evolving and that your benefits should, too. An important strategy for companies looking to hire smart young talent. As the regulatory landscape continues to shift, employers have a rare opportunity to lead with innovation. Crypto-based benefits are not a gimmick or a passing trend, they are a signal that your company is preparing for the future of work and the future of wealth. As a leader, make sure you empower your team with the options they need to build a more diversified, resilient financial future.
