There is a danger of people sleepwalking into pensions and not having control of it.
In the past this has been a recipe for dashed expectations," she said.
Iona Bain, founder of the Young Money blog, said that the move was still inadequate in solving a long-term pension crisis for the young.
"Our industry has largely remained unchanged in terms of innovation in the last 50 years.
Ed Casson, group sales director of Go Homes, said the buyer became a bitcoin owner through mining and trading in online games.
"This re-writes the rule book and shows there is another way to sell property," he said.
"Requiring employers to contribute from the first pound of earnings, will mean that, by 2019, hundreds of thousands of small employers will have to pay up to £180 more per employee each year," said Mike Cherry, national chairman at the Federation of Small Businesses.
"For employers in certain sectors, such as care and hospitality, where margins are tight this will really add up." evelopers have sold the first two luxury homes in the UK using bitcoin currency.