<h1>Cryptocurrencies face union opposition for retirement plans amid industry claims tokenization and oversight would enable institutional access.</h1> Trade unions oppose cryptocurrency inclusion in retirement plans due to volatility and fiduciary risk, while industry argues market-structure reforms and tokenization would improve oversight and allow pension and institutional capital to access blockchain-native equity and real-world assets. The article highlights presale-market conduct-promotional bonuses, product utility claims, audit and staking assertions-alongside risk disclaimers, raising investor suitability and disclosure concerns for retail and retirement investors considering presale-stage projects.