The debate over crypto's role in traditional finance is heating up. While regulators express caution about risk exposure, there's growing momentum to integrate digital assets into retirement portfolios. This tension reflects the broader challenge facing financial regulators: how to balance investor protection with market innovation. As institutions explore cryptocurrency holdings as part of long-term investment strategies, scrutiny from oversight bodies intensifies. The question isn't just about whether crypto belongs in retirement accounts—it's about establishing proper risk frameworks and disclosure standards. Different stakeholders are pulling in opposite directions, and how these forces resolve will likely shape the regulatory landscape for years to come.