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In the European Union, regulatory developments are also paving the way for broader adoption of crypto in retirement savings. The Markets and Crypto Assets (MiCA) Framework is being rolled out in stages, providing a unified legal structure for digital assets across all 27 member states. This harmonization offers clarity and security for institutions—including insurers and pension funds—interested in adding crypto assets to their portfolios.
Previously regarded primarily as speculative investments suited for trading accounts, cryptocurrencies are now undergoing a paradigm shift. Governments and regulators are increasingly embracing them as part of long-term investment strategies, including retirement planning.