Institutional-Grade Protection
Understanding
Our Security
Up to $250M
Custody insurance coverage
Regulated custody
Digital Trust holds IRA assets under regulated trust-company oversight.
Cold storage
Private keys are held offline and disconnected from the internet.
Multi-signature
Multiple independent approvals are required before assets can move.
SOC 2 certified
Independent audit standards verify security controls over time.
Insurance coverage
Covered custody events may be protected up to $250 million.
Two-factor login
Sensitive access requires a second verification step beyond a password.
Identity checks
Formal verification protects against unauthorized account creation and fraud.
2-way PIN verification
Unique PINs verify you and our support team to help reduce the chance of phishing.
Regulated Custody with Digital Trust
Your retirement account assets are held by Digital Trust, a licensed trust company subject to stringent regulatory oversight. As a regulated and vertically integrated custodian, Digital Trust is required to maintain high standards of financial integrity, asset segregation, and operational controls. This provides the legal and institutional framework to protect your IRA.
Cold Storage Custody with BitGo
Retired.com partners with BitGo, one of the world’s most trusted digital asset custody providers, to secure all retirement accounts that hold digital currencies like Bitcoin, Solana and Ethereum. Cold storage means your private keys are held offline and are completely disconnected from the internet.
COMPARE TO HOT WALLETS, COLD STORAGE OFFERS:
BitGo pioneered multi-signature wallet technology for digital assets. Multi-sig wallets require multiple independent key holders to approve any transaction, which means no single person or system can unilaterally move your assets.
The BitGo infrastructure used to secure your assets has achieved SOC 2 Type 2 certification, one of the most rigorous independent security audits available. It confirms high standards for data security, privacy controls, operational reliability, ongoing monitoring, and incident response.
Insurance Coverage
Retired.com accounts are backed by industry-leading insurance designed to protect your assets against theft or loss resulting from a custodian security breach, malicious external attacks on the custody infrastructure, and other covered events as defined by the policy terms.
IMPORTANT
Insurance coverage may vary based on the asset chosen and the custody solution available for that asset.
Two-Factor Authentication
Every login and sensitive action requires a second verification step beyond your password.
Trading Controls
Conditional orders and trading parameters give you additional control over when trades execute.
Identity Verification
Formal identity checks help prevent unauthorized account creation and fraud.
Asset Segregation
Your assets are uniquely identifiable as belonging to your IRA, legally protected as client property, and not commingled, lent, or rehypothecated.
Security questions?
We're here to help.
Our specialists can walk you through how your assets are custodied, protected, and insured.
