BIG NEWS -Future of Disruptive Tech is being rebranded. We are changing our name to “Next Wave.” So if you see an email in your income from “Next Wave” please don’t be alarmed "(or hit spam).

_{Read Time: 10 Minutes}

Today’s Menu

• OpenAI Just Decided to Treat Adults Like Adults

• Republicans Push to Lock Bitcoin Into America's Retirement Future

Markets

TODAY IN AI

OpenAI Just Decided to Treat Adults Like Adults

OpenAI will lift its adult content restrictions for verified users starting December, following a "treat adults like adults" policy combined with mental distress detection tools and guidance from an AI well-being advisory council.

The company claims safeguards are in place to mitigate serious mental health issues, arguing this makes the platform safe for mature conversations. The move marks a significant shift in OpenAI's content moderation philosophy.

This isn't about enabling harmful content - it's about recognizing that verified adult users should have access to mature conversations without infantilizing restrictions. The mental distress detection and advisory council guidance suggest OpenAI is attempting to balance freedom with responsibility.

When the world's most powerful AI company decides to relax content restrictions, it sets precedent for the entire industry's approach to AI safety versus user autonomy.

TODAY IN CRYPTO

Republicans Push to Lock Bitcoin Into America's Retirement Future

Republican Rep. Troy Downing introduced The Retirement Investment Choice Act to turn Trump's crypto 401(k) executive order into permanent federal law.

If passed, the bill would give Trump's August Executive Order 14330 full statutory force, permanently allowing 401(k) providers to offer Bitcoin, Ethereum, and other digital investments. The bill already has four Republican co-sponsors and aims to open the $25 trillion U.S. retirement savings industry to crypto.

Downing called it revolutionary: "Alternative investments hold transformative potential to supercharge financial security of countless Americans saving for retirement. I applaud President Trump for his leadership to democratize finance."

Under the order, plan fiduciaries can offer private equity, real estate, commodities, and digital assets as long as they determine it's "appropriate" for retirement growth. Codifying removes risk of future administrations rolling it back.

The timing is perfect. The Labor Department scrapped Biden-era crypto warnings for retirement plans, and nine lawmakers wrote the SEC urging accelerated implementation.

The stakes are massive: 90 million Americans hold 401(k)s representing $9.3 trillion in retirement savings. Even small allocations could channel billions into Bitcoin and crypto ETFs overnight.

Bitwise's André Dragosch said it plainly: "Allowing cryptocurrency in U.S. retirement plans could mark a major step for Bitcoin adoption - and attract billions in new capital."

If this passes, it wouldn't just reshape retirement investing - it would lock Bitcoin into America's financial infrastructure permanently.

Want to share The Future of Disruptive Tech with a friend, family member, or coworker? Pass this link along to them.

Thanks for reading!

Until next time,

Damon James