Xeerka Waaxda Shaqada ee Mareykanka (Department of Labor) ee u oggolaanaya qorshayaasha hawlgabka 401(k) inay ku daraan maalgashiyo kale oo ay ku jiraan sanduuqyo crypto ku maalgeliya, ayaa 5 November 2026 loo gudbiyay Aqalka Cad si dib-u-eegis kama dambays ah loogu sameeyo, sida ay soo werisay TheStreet. Warkan oo dhawr maalmood jira ayaa toddobaadkan si weyn loogu falanqeeyay suuqa crypto-ga.
Maxaa dhacay?
Xeerka oo cinwaankiisu yahay “Fiduciary Duties in Selecting Designated Investment Alternatives” ayaa hadda horyaal Xafiiska Macluumaadka iyo Arrimaha Sharci-dejinta (OIRA) ee Aqalka Cad. Dib-u-eegistan ma laha waqti sharci ah oo go’an, qoraalka kama dambaysta ahna weli lama daabicin.
Xeerkan wuxuu salka ku hayaa amar fulineed oo Madaxweyne Donald Trump uu saxiixay 7 August 2025, kaasoo Waaxda Shaqada faray inay caddayso sida qorshayaasha 401(k) ay u bixin karaan sanduuqyo ay ku jiraan hanti kale sida maalgashiyada suuqa gaarka ah, guryaha, sanduuqyada hanti dijitaal ku maalgeliya, badeecooyinka iyo kaabayaasha. Waaxdu waxay soo jeedisay xeerka 30 March 2026, faallooyinka dadweynahana waxay xirmeen 1 June 2026.
Muxuu xeerku qabanayaa?
Xeerku wuxuu siinayaa maamulayaasha qorshayaasha “safe harbor”, taasoo ah ilaalin u caddaynaysa in ay raaceen hannaan taxaddar leh marka ay dooranayaan maalgashiyada, haddii ay tixgeliyaan waxqabadka, kharashyada, fududaanta iibka, qiimaynta iyo kakanaanta. Ma aha xasaanad buuxda oo ka dhan ah dacwadaha. Sidoo kale, shaqo-bixiyeyaasha laguma qasbayo inay bixiyaan hanti kale. Helitaanka crypto-ga wuxuu imaan doonaa iyadoo loo marayo sanduuqyo la maareeyo, ee ma aha in si toos ah Bitcoin loo iibsado.
Maxay tani u muhiim tahay?
Muddo dheer, maamulayaasha qorshayaasha hawlgabka ee Mareykanka waxay ka cabsanayeen dacwado haddii ay ku daraan maalgashiyo khatar sare leh sida crypto. Xeerkan ayaa loogu talagalay inuu yareeyo cabsidaas, isagoo siinaya tilmaamo cad oo ku saabsan hannaanka doorashada. Taasi waxay muhiim u tahay shirkadaha maamula sanduuqyada crypto-ga, sida kuwa bixiya Bitcoin ETF-yada, kuwaas oo raadinaya macaamiil cusub oo muddo dheer maalgashada.
Saamaynta suuqa
Suuqa hawlgabka ee 401(k) ee Mareykanka waa mid aad u ballaaran, sidaas darteed falanqeeyayaal badan ayaa u arka in xeerkani mustaqbalka uu furi karo albaab cusub oo lacag ah oo u gasha suuqa crypto-ga. Hase yeeshee, xeerka waa inuu marka hore dhammaystiraa dib-u-eegista Aqalka Cad, lagu daabacaa Federal Register-ka, kadibna dhaqan galaa. Soo jeedintu lafteedu waxay xustay in hantidan ay yeelan karto kharash sare, iib adag iyo qiimayn adag marka loo eego sanduuqyada caadiga ah. Warbixin kale ayaa laga akhrisan karaa The Crypto Times.