CRYPTO IRA
Invest in Bitcoin, Ethereum and 100+ digital assets with the tax advantages of a Traditional or Roth IRA.
Open an Account
Talk to a retirement specialist
Institutional-grade custody. Dedicated retirement support.
ONE RETIREMENT PLATFORM
ON THE ROADMAP
More ways to invest are coming
COMING SOON
COMING SOON
COMING SOON
CRYPTO IRA PRICING
Open and fund your Crypto IRA for $0.
Account fee
$0
Transaction Fee
1%
Start Investing in Crypto with Your IRA
PREFER TO TALK IT THROUGH?
Discuss account types, eligible rollovers, funding options and what to expect during setup.
✓ One-on-one guidance
✓ No obligation
✓ Retirement-focused support
SECURITY
Digital assets are held through third-party custody arrangements that use cold-storage technology, operational controls and safeguards designed to reduce exposure to online threats.¹²
SECURITY-FIRST INFRASTRUCTURE
Custody, cold storage and independently reviewed controls.
SOC 2 Type I Certified
Independently audited security controls.
Up to $250M Custody Insurance²
Coverage may be available through custody partners and is subject to policy terms, exclusions and limits.
Cold Storage Custody
Supported digital assets may be held in offline, hardware-secured wallets. Providers vary by asset and custody solution.
PART OF A 250K+ MEMBER COMMUNITY^
★★★★★
“As my crypto accounts grew, so did my worries about security… That is why I reached out. What really surprised me was the personal attention I received from people very high up at the company.”
Markus W. · Verified client
★★★★★
“There were no surprises and no hidden fees. It was all delivered in a genuinely honest way.”
Jen · Verified client
★★★★★
“Between the safety protocols, the ease of use and the client service, everything really aligned for me.”
Cameron · Verified client
Questions about opening a Crypto IRA
What is a Crypto IRA?
A Crypto IRA is a self-directed individual retirement account that allows eligible digital assets to be held within a tax-advantaged retirement structure. Retired.com connects the account experience with third-party custody and platform providers.
What else can I hold through Retired.com?
Retired.com currently supports cryptocurrencies, stocks and ETFs through eligible account options. Precious metals, real estate and Bring Your Own Deal are planned for a future release.
What are the potential tax advantages?
Traditional IRAs generally provide tax-deferred growth, while qualified Roth IRA withdrawals may be tax-free when applicable requirements are met. Tax treatment depends on your eligibility, account type and circumstances.⁴
How are crypto trades treated inside an IRA?
Trades made within an IRA generally are not reported as annual capital-gains events. Taxes and penalties may apply to distributions or other transactions depending on the account type and circumstances.⁴
How much can I contribute each year?
Annual contribution limits are set by the IRS and depend on your account type, age, income and eligibility. Eligible transfers and rollovers generally are not counted toward annual contribution limits.
Can I roll over an existing workplace plan?
Eligible former-employer plans may be rolled into a Retired.com IRA. When completed correctly, a rollover can avoid a taxable distribution. Eligibility and timing vary by plan.
What fees are associated with a Crypto IRA?
We believe in complete transparency when it comes to fees. Retired.com charges a 1% per-trade fee, with a $50 monthly account fee. There are no account setup fees, no transfer fees, and no fees to roll over an existing retirement account.
How are digital assets held?
Digital asset custody and related services are provided through third-party providers. Available storage, security controls and wallet arrangements vary by asset and custody solution.¹
^Reviews, user counts and media mentions listed on this page include those across all Retired.com consumer brands.
*Based on assets under custody across all retired.com consumer brands as of 05/18/2026.
**Review and rating count is aggregated across public review platforms and app stores for all Retired.com consumer brands. Average platform rating is calculated as the average of displayed ratings and not weighted by review or rating count.
Reviews and media mentions listed on this page include those across all Retired.com consumer brands.
¹Security, storage and wallet providers may vary based on the asset selected and available custody solution.
²Insurance may vary based on asset chosen and custody solution available. Coverage is subject to applicable policy terms, conditions, exclusions, and limits.
³Staking involves risks, including potential loss of principal, and is not suitable for all investors. Staking rewards are not guaranteed. Estimated APYs are subject to change based on network conditions, fees, and compounding frequency. Eligible assets may vary at the custodian's discretion. See Staking Disclosure.
⁴Some taxes may apply. Tax treatment depends on account type, contribution eligibility and individual circumstances. Early withdrawals may be subject to taxes and penalties. We recommend you consult your tax, legal or investment advisor.
⁵Crypto bundles are provided for convenience only. Bundle names, descriptions, and the inclusion of any digital asset do not reflect market analysis, risk assessment, performance expectations, or investment strategy and do not constitute investment advice, recommendations, or endorsements. Purchasing a bundle involves the same risks as purchasing the included digital assets individually.
Ready to make crypto part of your retirement?
Open your account online, or talk with a retirement specialist about your options.
Retired.com, LLC (“Retired.com”) is a technology platform that connects users with third-party custodians, digital wallet providers, cryptocurrency platforms, brokerage providers, and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment adviser, and does not provide investment, legal, or tax advice.
Investment advisory services offered through Retired Advisory, LLC, an SEC-registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired.com, LLC, Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly owned subsidiaries of WAO Fintech, LLC.
Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.
Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.
The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented is reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.
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