Crypto IRA Platform Built for Retirement Investors
Buy, sell, and trade leading cryptocurrencies inside a Crypto IRA using IRA Financial’s dedicated crypto trading platform for retirement accounts. Trade directly within your IRA or Solo 401(k) while maintaining tax-advantaged status.
A Crypto IRA operates through a regulated U.S. exchange and an IRS-compliant retirement account structure.
As seen in:
What Is Crypto IRA? Exploring How a Crypto IRA Works
Trade Crypto Inside Your Retirement Account
IRA Financial’s Crypto IRA is built for direct, self-directed investing — no LLC or checkbook structure required. Trades start at $10, and the account is included at no extra cost with any full-service IRA Financial account.
Crypto IRA
$100
/ annually
- 24/7/365 crypto trading inside your retirement account
- Flat 1% trading fee
- No minimum account balance
- Nearly 100 supported cryptocurrencies via direct Bitstamp access
- IRS reporting handled by IRA Financial
Why Use a Crypto IRA Platform Instead of a Personal Exchange Account?
IRA Financial’s Crypto IRA allows you to trade cryptocurrency inside a retirement account, keeping gains within a tax-advantaged structure while using a purpose-built trading platform.
Our Crypto IRA Security and Custody Model
IRA Financials Crypto IRA operates through Bitstamp, a U.S.-regulated cryptocurrency exchange established in 2011. This structure provides a compliant, institutional-grade custody and trading environment for Crypto IRA accounts.
Security features include:
- Regulated custodial accounts
- AML & KYC compliance
- Whitelisting and transaction confirmations
- Highly encrypted personal data
- 95% of digital assets stored offline in bank-grade Class III vaults
- Full segregation of customer assets from company funds
Why Trade Crypto in a Crypto IRA Account?
A Crypto IRA is built specifically for retirement investors who want direct crypto trading without compromising compliance, security, or tax advantages. Designed specifically for Self-Directed IRAs and Solo 401(k)s, we offer an easy, secure, and flexible way to invest in cryptocurrency—without leaving your tax-advantaged retirement plan.
No Minimum Balance
Flat, transparent pricing, and we don’t require a minimum balance.
Custodian Management
We are trusted to manage over $3.9 Billion in alternative assets.
Professional Expertise
IRA Financial’s founder, Adam Bergman, is the author of nine books on self-directed retirement.
27,000 Investors
Proudly serving over 24,000 clients across all 50 states.
Dedicated App
We have our own platform you can use to easily set up and maintain your account.
Expert Support
Live chat available 8AM–6PM Central Time.
Crypto IRA FAQs
Below are answers to common questions about the IRAfi Crypto investment platform.
Yes. Crypto IRA operates through an IRS-compliant self-directed retirement account structure. Trades are executed through a regulated U.S. cryptocurrency exchange, and IRA Financial handles required IRA reporting, including Forms 5498 and 1099-R when applicable.
The cryptocurrency is owned by the retirement account, not the individual. All crypto assets are held in the name of the IRA or other eligible retirement account, in accordance with IRS rules.
No. Crypto IRA does not rely on a checkbook or LLC workaround. Trades are executed directly through a regulated exchange under the retirement account’s name, reducing compliance risk.
Yes, if IRS rules are violated. Crypto IRA is designed to minimize this risk by keeping trading, custody, and reporting within a compliant retirement account structure.
Cryptocurrency is held through Bitstamp’s regulated custodial infrastructure, with the majority of digital assets stored offline in bank-grade cold storage vaults.
No. Personal wallets are not permitted for Crypto IRA assets. Holding crypto personally would violate IRS rules requiring assets to remain under IRA custody.
Customer assets are held in regulated custodial accounts with institutional security controls. Specific insurance coverage details depend on the custodian and custody structure.
No. You retain trading control as the authorized account representative. Custody and platform controls are designed to prevent unauthorized asset movement.
Crypto IRA charges a flat annual account fee and a transparent 1% trading fee per transaction. There are no asset-based fees tied to account value.
No. We do not charge separate custody or storage fees beyond the disclosed annual account fee.
No. Trades are executed directly on the exchange, with pricing visible in real time.
Many Crypto IRA providers charge asset-based fees, monthly platform fees, or layered spreads. IRA Financial uses a flat, transparent pricing model designed for long-term retirement investing.
All IRA Financial accounts can invest in crypto, including Traditional IRAs, Roth IRAs, Solo 401(k)s, HSAs, and Coverdell ESAs.
Yes. Eligible retirement accounts can be rolled over or transferred into a Crypto IRA without triggering a taxable event when done correctly.
Yes. IRA Financial supports a wide range of alternative investments. Our Crypto IRA is specifically designed for crypto trading, while other assets can be held through appropriate account structures.
Yes. Our Crypto IRA platform is a self-directed platform that allows you to place trades online 24/7 without broker approval.
No. All trades are placed directly by you through the IRA Financial platform.
Yes. The platform offers limit trading and other standard exchange order types.
IRA Financial has been a leader in self-directed retirement accounts for over a decade and manages billions in alternative assets.
Bitstamp is one of the longest-running regulated cryptocurrency exchanges in the U.S., with a strong compliance and security track record dating back to 2011.
Yes. Our Crypto IRAs are designed specifically for retirement account compliance, security, transparency, and long-term asset management rather than short-term speculation.
See What Our Clients Have to Say
I researched several companies before deciding to go with IRA Financial. I am completely happy with my choice. I appreciate that I can ask questions about rules prior to making an investment to make sure I am compliant. I like that I can invest in traditional investments, but also real estate. I have invested in land, rentals, and home flips. Whenever I am speaking with self-employed individuals, I bring up IRA Financial and the idea of opening a Solo 401(k). I think it is a no-brainer for someone who is self-employed and wish I had opened mine up sooner.
I believe that the sphere of influence, those we surround ourselves with and the firms we partner with is critical to our success. I’m honored to have found Adam Bergman and IRA Financial. Adam and his team have created a culture of raving fans, and I’m truly grateful to be one of them. Being treated like family is absolutely priceless.
I have been a client of IRA Financial for several years and I really love them. I've worked with other companies, and they just were not as easy to work with. I appreciate being able to get somebody on the phone and getting help with taxes. Just everything has been so easy to work with. I have, and do, recommend them to anyone thinking about self-directed investing.
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Whatever strategy you plan for retirement, we do it all. Build your retirement with a Self‑Directed IRA designed for alternative and non traditional investments.
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