As Bitcoin and other cryptocurrencies continue to mature as legitimate asset classes, more investors are exploring how to integrate them into their long-term financial plans. One of the most effective, and tax-advantaged, ways to do so is through a Crypto IRA. They may also be called a Crypto IRA for some.
A Crypto IRA is a self-directed retirement account that allows individuals to invest in Bitcoin and, in many cases, other digital assets like Ethereum or Solana, all while enjoying the familiar tax benefits of Traditional or Roth IRAs. For those who believe in the long-term potential of crypto, it’s a strategic way to grow retirement savings outside of traditional stocks and bonds.
In this guide, we break down the top Crypto IRA companies of 2025, comparing platforms based on ease of use, security, fees, asset offerings, and overall value, so you can make an informed choice about where to build your crypto retirement portfolio.
1. iTrustCapital – Best Overall Crypto IRA Company
iTrustCapital offers a seamless, award-winning platform for investors to trade cryptocurrencies and precious metals within tax-advantaged retirement accounts. With a user-friendly interface, low fee structure, and U.S.-based customer service, it’s an excellent choice for both beginners and seasoned investors.
- Assets Available: Over 75 cryptocurrencies, including Bitcoin, Ethereum, Solana, Sui, XRP, and more. Also offers physical gold and silver.
- Custody: Assets are securely held with regulated third-party custodians, utilizing institutional providers such as Coinbase Custody and Fireblocks.
- Customer Reviews: 5.0 stars on Trustpilot and 4.9 stars on Google from over 9,000 reviews total.
- Fees:
- Minimum Investment: $1,000
- Trading Fees: 1% per transaction
- Monthly Fees: None
- Annual Fees: None
- Setup Fees: None
2. Rocket Dollar – Best for Diversified Alternative Assets
Rocket Dollar is tailored for self-directed investors looking to diversify beyond traditional stocks and crypto. The platform enables access to a wide range of alternative assets, including real estate, private equity, startups, precious metals, and cryptocurrencies. Its LLC-based checkbook control model offers full autonomy, but it comes with higher setup and monthly maintenance costs.
- Assets Available: Supports, real estate, startups, private equity, precious metals, and crypto.
- Custody: Assets are held with partner custodians, with options for checkbook control through an LLC structure.
- Customer Reviews: No online reviews
- Fees:
- Minimum Investment: $0
- Trading Fees: Varies by exchange (crypto trades handled externally)
- Monthly Fees: $15/month (Silver), $30/month (Gold)
- Annual Fees: Included in monthly subscription
- Setup Fees: $360 (Silver), $600 (Gold)
3. My Digital Money – Best for Beginners
My Digital Money provides a simple, accessible entry point into the world of crypto IRAs. Designed with ease of use in mind, it features a practice trading environment and a straightforward onboarding process. Though its crypto selection is limited, it’s a strong choice for those new to digital assets or seeking a hassle-free experience.
- Assets Available: Bitcoin, Ethereum, Litecoin, and a few other cryptocurrencies.
- Custody: Assets are held in cold storage with Genesis Custody.
- Customer Reviews: 58 reviews rated 4.6 stars on Google.
- Fees:
- Minimum Investment: $0
- Trading Fees: 0.75%–1.70% per transaction
- Monthly Fees: None
- Annual Fees: None
- Setup Fee: $50 one-time
4. Equity Trust – Best for Alternative Account types
Equity Trust is a veteran self-directed IRA custodian that offers support for a broad range of alternative investments, including real estate, private equity, and cryptocurrencies. While its fees can be higher and more complex than other platforms, its expansive asset support and customizable account structures appeal to more advanced investors.
- Assets Available: Supports real estate, precious metals, private equity, and cryptocurrencies.
- Custody: As a directed custodian, Equity Trust holds digital assets in secure, institutional-grade storage solutions, partnering with various cryptocurrency providers.
- Customer Reviews: Recognized for its comprehensive investment options and customer service.
- Fees:
- Minimum Investment: $500
- Trading Fees: 2% purchase fee, 1% sale fee, plus a 1% liquidity cost.
- Monthly Fees: $20/month for digital asset platform maintenance.
- Annual Fees: Varies based on account value and asset types.
- Setup Fees: $500 one-time digital asset platform establishment fee.
- Additional Fees: Storage fees of 0.07% per month for digital assets, and termination fees of $225 for full account closure.
5. Unchained Capital – Best for Experienced Crypto Investors
Unchained Capital is built specifically for Bitcoin investors who value security, transparency, and control. The platform’s collaborative custody model allows users to maintain control of two out of three private keys, while Unchained holds the third. This unique setup makes it one of the most secure and technically advanced ways to hold Bitcoin in a retirement account.
- Assets Available: Focuses exclusively on Bitcoin.
- Custody: Utilizes a multisignature cold storage system, allowing investors to hold two of the three keys, with the third held by Unchained Capital.
- Customer Reviews: 2 reviews rated 3.8 stars on Trustpilot
- Fees:
- Minimum Investment: $2,000
- Trading Fees: 1.5% per transaction
- Annual Fees: $250 starting in the second year
- Optional Services: Concierge Onboarding at $1,200
Choosing the Right Crypto IRA for Your Needs
The best Crypto IRA company ultimately depends on your investment priorities, whether you’re focused on long-term growth, diversification, or simplicity. Here’s a quick breakdown:
iTrustCapital is the best overall. With low fees, institutional-grade custody, and support for over 75 crypto assets plus precious metals, iTrustCapital is the top pick for 2025. It strikes the ideal balance between ease of use, value, live U.S.-based customer support, and security, making it an excellent option for both newcomers and experienced investors.
Rocket Dollar is the best for diversified alternative assets. The go-to platform for investors who want to spread their retirement funds across a mix of assets — not just crypto, but also real estate, startups, and private equity. Its LLC checkbook control structure offers maximum flexibility, though it comes with higher setup and maintenance fees.
My Digital Money is the best for beginners. If you’re new to crypto, My Digital Money offers a simple, educational experience with competitive pricing and a beginner-friendly dashboard. Cold storage security and responsive support make it a great low-risk entry point.
Equity Trust is the best for alternative account types. Equity Trust appeals to experienced investors seeking customizable self-directed IRAs with exposure to a wide variety of assets. It’s a solid fit for those comfortable navigating more complex fee structures in exchange for control over diverse holdings.
Unchained Capital is the best for experienced crypto investors. Focused exclusively on Bitcoin, Unchained Capital offers unmatched control through its multisig self-custody model. It’s best for investors who prioritize decentralization and security and are confident managing private keys within a long-term strategy.
Understanding Crypto IRAs
What Is a Crypto IRA?
A Crypto IRA is a self-directed Individual Retirement Account that allows you to invest in crypto, like Bitcoin, within a tax-advantaged retirement structure. Like traditional IRAs, you can choose between Roth (tax-free growth) or Traditional (tax-deferred) options. Instead of only holding stocks, bonds, or mutual funds, a Crypto IRA lets you include the world’s most popular cryptocurrency as part of your retirement strategy.
How Does a Crypto IRA Work?
- Open an Account with a provider offering Crypto IRAs.
- Fund the Account via contribution, transfer, or 401(k) rollover.
- Buy Crypto directly inside your IRA.
- Store Securely with the provider’s institutional-grade custody.
- Access Tax Benefits and take distributions when you’re ready, subject to IRS rules.
