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Alto CryptoIRA®

Bitcoin, Ethereum, and more in your IRA.

Your Crypto, Your IRA.

Keeping your investments safe is our #1 priority.

  • Coins and tokens are held 1:1 in institutional-grade hot and cold storage maintained by Coinbase.
  • Our third-party custodian maintains a $320 million insurance policy against cybercrime and fraud.
  • Undirected cash is kept in FDIC-insured accounts.
  • Neither Coinbase nor Alto will lend, loan, use, or rehypothecate Alto CryptoIRA assets.
  • Alto enables (and encourages) the use of two-factor authentication (2FA).

Why Invest in Crypto with an Alto CryptoIRA?


200+ Cryptocurrencies

Choose from one of the largest selections of any crypto IRA via Coinbase integration.


Tax Advantaged

Avoid capital gains, plus get other tax benefits offered by traditional, Roth, and SEP IRAs.


24/7, On-the-Go Trading

Buy and sell crypto whenever, wherever, with 24/7, real-time trading and our new mobile app.


Low, Transparent Fees

Invest in cryptocurrency without the hidden fees and high minimums many crypto IRAs charge.


Market and Limit Orders

Place market orders at current prices or set a future price to buy or sell using limit orders.


Secure Storage

Rest assured your assets are held in FDIC-insured accounts (cash) or hot and cold storage (crypto).

Take Advantage of Compounding Crypto Returns.

Time is your most valuable asset. Maximize the power of compounding returns in a tax-free Roth crypto IRA.

Invest in Up to 200+ Cryptocurrencies

Alto CryptoIRA gives you access to one of the largest selections of any crypto IRA through integration with Coinbase, the United States’ largest publicly traded crypto exchange.

Alto CryptoIRA Fees

We don’t believe in hidden charges, exorbitant fees, or steep investment minimums.
What you see is what you get. The table below describes our fee structure.

Administrative Fees Price
Account Fee $0
Custody Fee $0
Investment Minimum $10
Trade Fee* 1%
Inbound Funding/Rollover Fee $0
Account Closure Fee $50
Outbound Wire Fee $25
Hidden Charges None

*A fee of 1% of the order size is included per transaction.

Open a CryptoIRA

Find Out Why Traders and HODLers Alike Love Alto CryptoIRA…

Frequently Asked Questions

Who is eligible to open an Alto CryptoIRA?

Currently, any United States resident (with the exception of anyone located in Hawaii) who is 18 years or older can open an Alto CryptoIRA.

Why buy and sell crypto in an IRA?

No matter how much your investment grows, you’ll never pay taxes on gains in a crypto IRA. You may even be able to avoid taxes altogether. Upon eligibility to take distributions:

  • Traditional and SEP IRA distributions are subject to income taxes only.
  • Roth crypto IRA qualified distributions are completely tax-free.

Additionally, unlike when you trade crypto outside a tax-advantaged account, doing so within an IRA allows you to avoid the often-tedious process of reporting trades on your taxes each year.

How much money do I need to invest using the Alto CryptoIRA?

With Alto CryptoIRA, you can invest with as little as $10.

How does Alto CryptoIRA differ from other IRAs?

The Alto CryptoIRA can only hold cash and provides access to buy, sell, and hold cryptocurrencies through the Coinbase exchange. Any other assets (including crypto funds) may be purchased with an Alto IRA. You may open additional Alto accounts to make non-crypto related investments here.

Add Crypto to Your Portfolio.

Buy and sell crypto using your tax-advantaged retirement funds.

Open a CryptoIRA