Crypto
U.S. 401(k) embraces cryptocurrency as BAY Miner launches mobile cloud mining platform to support BTC and ETH investment
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As US retirement asset management enters a new era, 401(k)s officially include cryptocurrency investments. In August 2025, US President Trump signed a major executive order greenlighting investments in private equity, real estate, and digital assets. Major cryptocurrencies like Bitcoin and Ethereum have become the new favorites in retirement assets. This move not only paves the way for trillions of dollars to flow into innovative asset classes, but also signals the deep integration of the US pension market with the digital financial system, propelling the crypto market into an era of institutionalization.
Meanwhile, BAY Miner recently launched a compliant mobile cloud mining platform, enabling global users to participate in daily investments in digital assets like Bitcoin (BTC) and Ethereum (ETH) with minimal barriers to entry. Simply register with your phone, no hardware required, and enjoy 24/7 automated mining and real-time profit settlement. The platform, backed by international financial-grade security and sustainable computing power, allows both retail and institutional investors to safely and conveniently enter the new era of crypto finance. BAY Miner’s AI-powered mining pool and flexible multi-currency configuration are accelerating the adoption and investment experience of high-quality assets like Bitcoin and Ethereum, injecting new momentum into the global digital asset market.
What does this new policy mean for ordinary investors?
The new US 401(k) policy including crypto assets has multiple implications for ordinary investors:
- Diversified investment channels: Ordinary investors can now allocate crypto assets (such as Bitcoin and Ethereum) to retirement accounts (such as 401(k)s). Previously limited to investing in stocks, bonds, and mutual funds, they can now share in the long-term value growth of cryptocurrencies.
- Lower barriers to entry into emerging assets: Investing in crypto through compliant pension plans eliminates the need to open exchange accounts or bear custody risks, helping ordinary investors enter the digital asset market safely and regulated.
- Enhanced wealth appreciation opportunities: Crypto assets have high long-term return potential, providing a new growth point for retirement management and asset appreciation. This diversified allocation can help improve the return structure of investment portfolios, especially during periods of financial market volatility.
- Tighter risk oversight: The policy requires investment products to be compliant and transparent. Crypto asset investments will be regulated by multiple agencies, including the US Department of Labor and the SEC, effectively reducing information asymmetry and fraud risks, and better protecting the rights of ordinary investors.
- Long-term holding as the mainstream: Pension accounts have longer investment cycles, which allows ordinary investors to achieve asset growth through a “long-term approach” and avoid the risks of short-term speculation.
- Financial and Tax Convenience: Investing in crypto assets through retirement accounts like 401(k)s can benefit from tax deferrals and other benefits under US regulations, reducing short-term tax burdens.
Against this backdrop, compliant, secure, and low-barrier-to-entry cloud mining platforms like BAY Miner will provide investors with convenient access to digital assets and support daily BTC and ETH returns, helping them better capitalize on market opportunities.
Seize the policy dividend and join BAY Miner cloud mining in four steps
Smartphone-Based Cloud Mining: A Simple 4-Step Process
- Register an Account
Sign up in seconds using your email – no ID verification necessary. - Choose Your Mining Plan
Select from various contracts based on your budget and goals. - Activate With Crypto
Fund your wallet with BTC, ETH, XRP, or USDT. - Start Mining Instantly
Mining begins immediately with no installations or maintenance needed.
Featured Mining Contracts and Returns
BAY Miner offers flexible mining packages to suit different investment levels. Here are some popular options:
l Bitcoin Basic Plan
Investment: $100
Duration: 2 Days
Daily Yield: $4
Total Return: $108 (Investment + Earnings)
l XRP Classic Plan
Investment: $600
Duration: 6 Days
Daily Yield: $7.20
Total Return: $643.20
l Long-Term Plan
Investment: $3,000
Duration: 20 Days
Daily Yield: $39
Total Return: $3,780
l Premium Plan
Investment: $50,000
Duration: 45 Days
Daily Yield: $910
Total Return: $90,950
These verified payouts demonstrate BAY Miner’s consistent and transparent earnings model.
User benefits and prospects under the encryption of retirement accounts
The BAY Miner platform enables users to earn up to thousands of dollars in passive income daily through cloud mining (depending on principal and selected contracts) and offers flexible asset management. With US pension accounts now allowing cryptocurrency investments, cloud mining platforms like this are expected to become increasingly popular tools for ordinary investors to invest in crypto assets and achieve long-term returns.
Summary: From retirement accounts to cloud mining, a low-threshold channel connecting BTC and ETH
The opening of cryptoasset investments in US 401(k) pension accounts is accelerating the adoption of digital assets like Bitcoin and Ethereum into mainstream institutional investment. New mobile cloud mining platforms like BAY Miner provide ordinary users with secure, efficient, and automated access to BTC and ETH, significantly lowering the barrier to entry. For investors eager to seize this historic opportunity, now is the time to act—starting with a low-barrier, compliant digital asset journey on your mobile device, gradually integrating crypto assets into your long-term financial and wealth management plans.
Official Website: www.bayminer.com
Download: https://bayminer.com/xml/index.html#/app
Don’t let your retirement account assets stagnate—use BAY Miner to continuously grow them in a secure and compliant environment.
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Do Kwon, the South Korean cryptocurrency entrepreneur behind two digital currencies that lost an estimated $40 billion in 2022, was sentenced on Thursday to 15 years in prison for for what a judge called an “epic fraud.”
U.S. District Judge Paul A. Engelmayer, who handed down the sentence, sharply rebuked Kwon for repeatedly lying to everyday investors who trusted him with their life savings.
“This was a fraud on an epic, generational scale. In the history of federal prosecutions, there are few frauds that have caused as much harm as you have, Mr. Kwon,” Engelmayer said during a hearing in Manhattan federal court.
Kwon, 34, who co-founded Singapore-based Terraform Labs and developed the TerraUSD and Luna currencies, previously pleaded guilty and admitted to misleading investors about a coin that was supposed to maintain a steady price during periods of crypto market volatility.
He is one of several cryptocurrency moguls to face federal charges after a slump in digital token prices in 2022 prompted the collapse of a number of companies.
Dressed in yellow prison garb, Kwon addressed the court and apologized to his victims, including the hundreds who submitted letters to the court describing the harm they had suffered.
“All of their stories were harrowing and reminded me again of the great losses that I’ve caused. I want to tell these victims that I am sorry,” Kwon said.
Ayyildiz Attila, one of the hundreds of victims who submitted letters to the court, said he lost between $400,000 and $500,000 in the collapse.
“My savings, my future, and the results of years of sacrifice disappeared. I struggled to keep up with payments and responsibilities, and everything I had worked forwas erased,” Attila said.
Kwon’s lawyer Sean Hecker said in an email after the sentencing that Kwon spoke from the heart, expressed genuine remorse and will continue his efforts to make amends.
US Attorney Jay Clayton in Manhattan said in a statement following the hearing that Kwon devised elaborate schemes to inflate the value of his cryptocurrencies and fled accountability when his crimes caught up to him.
Prosecutors had asked for a sentence of at least 12 years in prison, saying the crash of Kwon’s Terra cryptocurrency caused billions of dollars in losses and triggered a cascade of crises in the crypto market.
Kwon’s lawyers had asked that he be sentenced to no more than five years so he can return to South Korea to face criminal charges.
Prosecutors charged Kwon in January with nine criminal counts for securities fraud, wire fraud, commodities fraud and money laundering conspiracy.
Kwon was accused of misleading investors in 2021 about TerraUSD, a so-called stablecoin designed to maintain a value of $1. Prosecutors alleged that when TerraUSD slipped below its $1 peg in May 2021, Kwon told investors a computer algorithm known as “Terra Protocol” had restored the coin’s value.
Instead, Kwon arranged for a high-frequency trading firm to secretly buy millions of dollars of the token to artificially prop up its price, according to charging documents.
Kwon pleaded guilty in August to two counts, conspiracy to defraud and wire fraud, and apologized in court for his conduct.
“I made false and misleading statements about why it regained its peg by failing to disclose a trading firm’s role in restoring that peg,” Kwon said at the time. “What I did was wrong.”
Kwon agreed in 2024 to pay $80 million as a civil fine and be banned from crypto transactions as part of a $4.55 billion settlement he and Terraform reached with the Securities and Exchange Commission.
He also faces charges in South Korea. As part of his plea deal, prosecutors will not oppose Kwon’s potential application to be transferred abroad after serving half his US sentence.
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