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 Crypto IRA?
A Cryptocurrency IRA is a self-directed Individual Retirement Account that enables you to invest in cryptocurrency. Coin IRA makes cryptocurrency IRA investing easy, efficient, and compliant through a secure platform, guided account process, and qualified custody model.
Unlike a standard IRA managed by a brokerage that limits you to stocks, bonds, and mutual funds, a self-directed Cryptocurrency IRA opens the door to digital assets while maintaining the same tax advantages you would get from a traditional retirement account. You can fund it the same ways, too: an annual contribution, a transfer from an existing IRA, or a rollover from a 401(k), 403(b), TSP, or other employer plan.
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. Trades within the IRA are not taxable events, so you can rebalance between supported assets without triggering capital gains. Withdrawals from your account, called distributions, may be taxable depending on your account type.
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 Cryptocurrency IRA. Digital assets are held in free Ledger Enterprise cold storage, which means there are no private keys or wallets for you to manage and your assets 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 generally taxed as income.
Roth IRA
Contributions are made with after-tax dollars. Qualified withdrawals in retirement may be tax-free.
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.
Tax Advantages
Traditional Cryptocurrency IRAs may offer tax-deferred growth. Roth Cryptocurrency IRAs use after-tax dollars and may allow tax-free qualified withdrawals.
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 qualified custodial control.
Accessible Minimums
Start with a $5,000 minimum and invest in fractional amounts instead of needing to purchase a whole cryptocurrency unit.
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
Moving retirement funds from a 401(k) or other employer plan to your Coin IRA account is easier than you think. Just open a compatible IRA (pre-tax funds roll into a Traditional IRA, after-tax funds into a Roth), wait for your account approval and new account number to be assigned, and you're ready to call your plan provider to request the rollover, with your instructions in hand.
Contribution
Contribute all or part of your annual eligible contribution amount based on IRS guidelines. Consult your tax advisor to confirm eligibility.
FAQ
Who holds the assets in my IRA?
Your Coin IRA account is administered through a qualified custody model so you can comply with IRS rules while maintaining the tax benefits of your Cryptocurrency IRA.
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 Bitcoin or other whole asset unit.
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 or transfer without tax penalty. Establish the account type compatible with your plan funds first: Traditional for pre-tax funds or Roth for post-tax funds.
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. See the full fee schedule.
Which cryptocurrencies can I hold?
Coin IRA supports major cryptocurrencies including Bitcoin, Ethereum, XRP, Solana, Chainlink, and more, plus Flex Fractional Metals for gold, silver, and platinum. See the full asset list.
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