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Best Crypto IRAs
With Bitcoin and other major cryptocurrencies becoming legitimate long-term investment opportunities, it is no surprise that many are now turning to digital assets to diversify their portfolios.
Crypto IRAs allow you to hold these digital assets in both Traditional and Roth accounts, all while following the same IRS rules that apply to self-directed IRAs.
The key here is choosing the right platform, and we’re here to help shine light on the best offers available on the market today.
Best Crypto IRA Platforms in August 2025
How We Evaluate Crypto IRA Platforms
Each platform we review on this page is evaluated by weighing the same set of factors which we believe influence the overall quality of these services the most.
Custody & Compliance
As we mentioned earlier, Crypto IRAs are self-directed accounts, which comes with greater responsibility in terms of custody and IRS compliance.
Because of this, we favor platforms that clearly disclose their qualified custodians or trust partners, as well as those that clearly state how assets are stored.
We also look at custody models and how platforms manage things like account administration, contributions, distributions and rollovers.
Fees & Pricing Transparency
Crypto IRAs are a long-term commitment, which can mean decades of contributions and reinvestment, leading to costs compounding over time as well.
This is why even a slightly lower trading fee can matter more in the full run, and other fees like setup or transfer fees, maintenance fees, or costs regarding storage, wire transfers and security all have to be accounted for.
We’ll always value those platforms that clearly and transparently state their fees.
Asset Coverage
While most investors look to Bitcoin, others want to have a more diversified mix of digital assets, usually including other major cryptos like Ethereum or select altcoins.
We’ll give higher ratings to platforms with a wider set of assets, as well as those that offer precious metals like gold and silver, which are usually used to balance the volatility of crypto assets within the same IRA.
Funding, Rollovers & Transfers
We examine whether the platforms we review support direct rollovers from employer plans, as well as trustee-to-trustee transfers from other IRAs, in-kind transfers from existing crypto IRAs where permitted, and standard annual contributions.
Clear timelines, status updates, and transparent bank and transfer fees are something that significantly improves the overall user experience, and is therefore another key factor we consider during our evaluation process.
User Experience and Customer Support
From user interface to incident response, we will always favor platforms that combine intuitive dashboards with documented security practices, 2FA, withdrawal controls, and clear service level expectations.
For many investors, responsive support can be the difference between a confident experience and a frustrating one. This is why we prefer platforms that provide quality, multi-channel customer support service, especially those that are available to their users 24/7.
We also credit platforms that invest in education through detailed FAQs, explainers, webinars, and retirement-planning resources.
Top Crypto IRA Platforms – Our Picks for 2025:
iTrustCapital
Alto CryptoIRA
Swan Bitcoin IRA
BitcoinIRA
Unchained IRA
Starting Your Crypto IRA Journey: A Quick Guide
When you pick a platform that best suits your personal needs, follow these steps to ensure that you’ve made the right choices when setting up your account.
Start by choosing the IRA type that fits your taxes and timeline. A Traditional IRA can lower this year’s tax bill, but also taxes withdrawals later, whereas a Roth IRA uses after-tax dollars now and offers potential tax-free withdrawals in retirement.
All contributions must be made in USD, not with the crypto you already own. You can fund your account via annual contributions, IRA transfers, or rollovers from old workplace plans.
Next, decide on custody. Most platforms use a qualified custodian for recordkeeping and cold storage, which keeps the setup process simple.
If you want maximum sovereignty over your account, look for collaborative custody that lets you hold keys via multisig. This can be a great option for investors who are comfortable managing hardware wallets and recovery.
You should also make sure to build a durable allocation you can stick with. If your thesis is simple, consider Bitcoin-only with recurring buys.
If you want broader exposure, use a core-satellite approach, which means that you keep BTC/ETH as the core and limit any single altcoin to a small slice.
Automate dollar-cost averaging (DCA) and set rebalancing rules to reduce emotion and timing errors.
It’s also crucial to know your true cost of ownership.
Add the trading commission, any ongoing admin or security fee, and hidden costs like spreads, wires, or termination fees.
Over decades, the difference between “1% with no monthly fee” and “2% plus a monthly fee” compounds meaningfully, so we suggest that you always run the math on your actual contribution plan.
Trade smart to minimize slippage and fees. Automate DCA, avoid illiquid pairs, and when possible rebalance with new contributions rather than selling.
Keep records of every contribution, rollover, and transfer, while avoiding prohibited transactions. Also make sure to plan for RMDs if you hold a Traditional IRA and lock down security with app-based 2FA, allow-lists, and strong email hygiene.
Finally, watch for red flags like vague fee pages, unnamed custodians, or “guaranteed yield” claims.
If service or pricing changes, your IRA is portable, meaning you can request a full fee sheet from the destination platform in order to confirm whether they accept in-kind transfers, and time the move around contribution cycles.
A steady process with clear fees, sensible custody, automated contributions, and disciplined rebalancing is what drives outcomes over the long run.