Retirement Account
Cryptocurrency IRA
A self-directed IRA that enables you to invest in both cryptocurrency and precious metals in a tax-advantaged account.
What Is a Cryptocurrency IRA?
A Cryptocurrency IRA, also sometimes known as a Bitcoin IRA or a Crypto IRA, is a self-directed Individual Retirement Account that lets you hold Bitcoin and other supported digital assets such as Ethereum and XRP in a tax-advantaged IRA account. Coin IRA makes cryptocurrency IRA investing easy, efficient, and compliant through our secure platform and qualified custody model.
How the IRS Treats Cryptocurrency
The IRS currently views Bitcoin, Ethereum, and similar cryptocurrencies as property (IRS Notice 2014-21), which is what allows them to be purchased and held in a self-directed IRA. Inside the IRA structure, you can buy, sell, and rebalance supported assets without triggering a taxable event on each trade. Withdrawals from your account, called distributions, may be taxable depending on your account type.
Roth Conversions
A Roth conversion moves pre-tax retirement funds from a Traditional IRA into a Roth IRA. If you are transferring or rolling over funds from a pre-tax employer plan, the funds must be deposited into a Traditional IRA, and then may be converted into a Roth IRA for potential future tax-free growth, provided certain requirements are met. Converted assets or dollar amounts create a taxable event. Consult your tax professional for personalized advice.
The Role of the Custodian
The IRS requires that IRA assets be held by a qualified custodian. Coin IRA's custody model helps keep your account aligned with IRA rules while preserving the tax benefits of your Crypto IRA. Digital assets are held in free Ledger Enterprise cold storage, which means neither your crypto nor your private keys are ever connected to the Internet, and there are no private keys or wallets for you to manage. Assets in custody are never staked, borrowed against, or leveraged.
Closed Custody Network
Funds enter and exit through approved paths while account assets remain inside the custody network.
Types of Crypto IRAs
Traditional IRA
Contributions may be tax-deductible. Gains grow tax-deferred, and withdrawals are taxed as income. Explore the Traditional Crypto IRA →
Roth IRA
Contributions are made with after-tax dollars. Qualified withdrawals in retirement may be tax-free, provided IRS requirements are met. Explore the Roth Crypto IRA →
SEP IRA
Designed for self-employed individuals and small business owners with higher contribution limits.
SIMPLE IRA
Built for small businesses with 100 or fewer employees that want a streamlined retirement plan.
Inherited IRA
Used by beneficiaries who inherit IRA assets and need to maintain inherited-account requirements.
Benefits
Crypto IRAs combine alternative asset exposure with retirement account tax treatment.
Trade Without a Tax Bill on Every Sale
Trades inside an IRA do not create a taxable event. Traditional IRA gains grow tax-deferred, while qualified Roth IRA withdrawals may be tax-free.
Portfolio Diversification
Cryptocurrency can add an alternative asset class to a portfolio that may otherwise be concentrated in stocks, bonds, and mutual funds.
Secure Custody
Coin IRA's custodial model removes the need to manage private keys yourself while keeping assets under secure, qualified custodial control.
Accessible Minimums
Start with a $5,000 minimum and invest in fractional amounts instead of needing to purchase a whole unit of any of our available assets.
Market Access
Trade eligible cryptocurrency through the secure Coin IRA dashboard during supported trading hours.
No Account Fees
Coin IRA currently charges no account setup, monthly maintenance, annual maintenance, or crypto cold storage fees.
Cryptocurrencies are speculative investments, involve a high degree of risk, and are not suitable for all investors.
How It Works
Open Your Account
Create your login credentials, choose an IRA account type, and complete the account application. The application takes about 5 minutes.
Fund Your Account
Fund your IRA through a transfer, rollover, or eligible contribution. Coin IRA provides the required funding instructions and support.
Start Trading
Once your account receives funds, you can buy and sell supported cryptocurrency through your secure Coin IRA dashboard.
Funding Options
Transfer
Transfer all or part of the funds from a cash or cash equivalent position in an existing IRA of the same type. Simply provide the current custodian's information along with your account number, and electronically sign the transfer document emailed to you via DocuSign in just a few minutes. We handle the rest.
Rollover
Open a compatible IRA: pre-tax funds roll into a Traditional IRA, after-tax funds into a Roth. Once your account is approved, call your plan provider with the rollover instructions in hand. No advance liquidation, no taxable event, and no penalty on eligible funds.
Contribution
Contribute all or part of your annual eligible contribution amount based on IRS guidelines. Consult your tax advisor to confirm eligibility.
FAQ
Is a Bitcoin IRA different from a Cryptocurrency IRA?
A Bitcoin IRA and a Cryptocurrency IRA generally mean the same type of account. Bitcoin IRA is a common name for a Cryptocurrency IRA, used because Bitcoin is the most popular cryptocurrency. Most Bitcoin IRAs can also hold other supported cryptocurrencies, though the available assets depend on the provider. Coin IRA's accounts are not limited to Bitcoin. The terms Bitcoin IRA, Crypto IRA, and Cryptocurrency IRA are generally used interchangeably.
Can I buy crypto in my IRA?
Most brokerage and workplace retirement accounts do not offer cryptocurrency. To buy crypto with IRA money, the funds move into a self-directed Crypto IRA account by transfer or rollover, and you trade inside the new account. The move is not a taxable event when done custodian-to-custodian.
Who holds the assets in my IRA?
The assets in your Coin IRA account are custodied by Equity Trust Company and administered through a qualified custody model compliant with IRS rules.
Are trades inside the IRA taxable events?
Trades within the IRA are not taxable events. Taxes may apply when you take distributions, depending on the account type and your circumstances.
Can I buy a fractional amount?
Yes. Coin IRA supports fractional cryptocurrency investing, so you do not need to buy a whole unit of Bitcoin or any other digital asset.
Can I roll over a 401(k) into a Crypto IRA?
Yes. Funds from a 401(k), 403(b), TSP, or another IRA can be moved into a Cryptocurrency IRA through a direct rollover without creating a taxable event or tax penalty. Establish the account type compatible with your plan funds first: Traditional for pre-tax funds or Roth for post-tax funds. Sometimes, you will need both, depending on the type of funds held in your plan, and whether the plan administrator requires you to withdraw from both types of funds when you do a rollover.
What does a Cryptocurrency IRA cost?
There are no account setup, monthly maintenance, annual maintenance, or crypto cold storage fees. Transaction fees are 1.25% on buys and 1% on sells. For example, on a $10,000 buy trade, the fee is $125; on a $10,000 sell trade, $100. See the full fee schedule.
Which cryptocurrencies can I hold?
Coin IRA supports the most in-demand cryptocurrencies including Bitcoin, Ethereum, XRP, Solana, Chainlink, and more. See the full asset list.
Try the Bitcoin retirement calculator → View all FAQs → Security details →
Trusted by Investors Nationwide
Start Your Cryptocurrency IRA Today
Open an account in minutes. No account fees. Free cold storage.
