Crypto IRA: Tax-Advantaged Trading on 250+ Cryptocurrencies

Open a Crypto IRA with Alto and invest in Bitcoin, Ethereum, Solana, and more. Enjoy tax advantages for retirement while trading securely through Coinbase.

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Best Bitcoin IRA Companies 2025 award by InvestopediaBest Crypto IRA Companies 2025 award by The MilkroadBest Bitcoin IRAs 2025 award by Business Insider

*Traditional IRAs and SEP IRAs generally are tax-deferred; Roth IRAs generally can be tax-free. Roth IRAs are generally tax-free subject to IRS rules regarding qualified distributions.

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Why a Crypto IRA Could Change the Way You Invest

Traditional retirement accounts are limited to stocks, bonds, and mutual funds. With Alto Crypto IRA, you can diversify into digital assets while keeping the tax benefits of an IRA.
SELF-DIRECTED CRYPTO

Why Alto CryptoIRA® Stands Out for Simplicity,
Security, and Optionality

Invest in Crypto
Invest in 250+ Cryptocurrencies
Choose from one of the largest selections of digital assets, fully integrated with Coinbase.
Capital Gains | Savings | Icon | AltoIRA | Crypto IRA
Avoid Capital Gains
Buy and sell crypto inside your IRA without worrying about yearly capital gains taxes.
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Trade From Anywhere
Use our mobile app or web app to buy and sell crypto whenever you like—24/7, real-time trading.
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Place Market and Limit Orders
Execute trades instantly or set limit orders for greater control.
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Secure Custody & FDIC Cash
USD held with banking partners offering FDIC insurance, subject
to limits.
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Low, Transparent Fees
Open a Crypto IRA and trade 250+ cryptocurrencies without hidden fees or high account minimums.
Set Up Your Alto Crypto IRA in Minutes

Keep More of What You Earn --
Tax Efficiently

With a Roth CryptoIRA, your crypto grows tax-free. Unlike a Traditional IRA with deferred taxes, Roth IRAs use after-tax contributions—so both contributions and gains can be withdrawn tax-free. Trade Bitcoin, Ethereum, and more without capital gains worries.
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Tax-Free Growth
With a Roth Crypto IRA, your crypto gains can compound year after year without annual capital gains taxes. Keep more profits working for you and build long-term retirement growth.
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Tax-Free Withdrawals
Qualified withdrawals from your Roth Crypto IRA are 100% tax-free. Sell Bitcoin, Ethereum, and other crypto in retirement without owing extra federal taxes.
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No Required Minimum Distributions (RMDs)
Unlike Traditional IRAs, Roth Crypto IRAs don’t require RMDs at age 73. You choose when and how to use your retirement savings—making it easier to preserve wealth for the future.
Set Up Your Crypto IRA in Minutes
Bitcoin, Ethereum, Solana, Crypto, Crypto IRA, ALTOIRA

How Alto Crypto IRA Works

Setting up a Crypto IRA with Alto is simple, fast, and tax-advantaged. In just a few steps, you can open your account, fund it through contributions or rollovers, and start trading 250+ cryptocurrencies securely with Coinbase integration.

Get Started Today
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    Open Your Account in minutes online.

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    Fund Your IRA through contribution, transfer, or rollover.

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    Start Trading Crypto 24/7 through Coinbase integration.

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250+ Cryptocurrencies Through the
Power of Coinbase

With access to 250+ cryptocurrencies, Alto offers one of the largest selections of digital assets for retirement investing.
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Fetch.ai

Fetch.ai

FET
Liquid Staked ETH

Liquid Staked ETH

LSETH
00 Token

00 Token

00
0x Protocol

0x Protocol

ZRX
1inch Network

1inch Network

1INCH
AIOZ Network

AIOZ Network

AIOZ
API3

API3

API3
ARPA

ARPA

ARPA
Aave

Aave

AAVE
Aavegotchi

Aavegotchi

GHST
Access Protocol

Access Protocol

ACS
Adventure Gold

Adventure Gold

AGLD
Aergo

Aergo

AERGO
Aerodrome Finance

Aerodrome Finance

AERO
Aethir

Aethir

ATH
AirSwap

AirSwap

AST
Akash

Akash

AKT
Alchemix

Alchemix

ALCX
Alchemy Pay

Alchemy Pay

ACH
Aleph.im

Aleph.im

ALEPH
Algorand

Algorand

ALGO
Amp

Amp

AMP
Ampleforth Governance Token

Ampleforth Governance Token

FORTH
Ankr

Ankr

ANKR

Alto CryptoIRA vs Other Providers: Why We Stand Out

When choosing a Crypto IRA, it’s important to look beyond just the marketing claims. Alto stands out by offering more supported assets, transparent pricing, and flexible IRA options compared to leading competitors like Fidelity, iTrustCapital, and Bitcoin IRA.

Feature

Alto Crypto IRA

Other Crypto IRAs

Supported Assets
250+ cryptocurrencies (BTC, ETH, ADA, SOL, more)
Limited (usually 20–75 cryptos)
IRA Types
Traditional, Roth, SEP, SIMPLE, Rollover
Often restricted to Traditional & Roth only
Minimum Investment
Just $10
Higher or not specified
Setup Fee
$0
$0–$200+ (varies)
Annual/Monthly Fees
$0 (CryptoIRA)
Often $200–$500 annually
Trading Fees
Transparent—Coinbase rates
Higher spreads or hidden fees
Custody & Security
Coinbase + NM Trust (FDIC-backed cash)
Proprietary or limited custody
Alternative Assets
Crypto + startups, real estate, private equity
Crypto only
Setup Speed
Online in minutes
Days or weeks

The Best Way to Crypto —
For Your Retirement

Manage your investments on the go with Alto’s secure mobile app.
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Track your portfolio in real time.
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Trade instantly from your phone.
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Available on iOS and Android.
Download in App Store Download in Google Play
Alto CryptoIRA Mobile Screenshots with account value, bitcoin price and more

Have Questions About Crypto IRAs?

We’ve got you covered. From account setup to tax advantages, our FAQ section answers the most common questions about investing in cryptocurrency for retirement.
Explore FAQs
1. What is a Crypto IRA?
A Crypto IRA is a self-directed Individual Retirement Account that lets you invest in cryptocurrencies like Bitcoin, Ethereum, and Solana while keeping the same tax advantages as a traditional IRA. With Alto CryptoIRA, you can trade 250+ digital assets securely through Coinbase, with tax-free or tax-deferred growth depending on whether you choose a Roth or Traditional account.
2. Who is eligible to open an Alto CryptoIRA®?
Any U.S. taxpayer with earned income can open an Alto CryptoIRA. You can choose a Traditional, Roth, or SEP account depending on your retirement strategy. Existing IRA or 401(k) funds can also be rolled over into an Alto CryptoIRA without tax penalties, making it accessible to most retirement investors.
3. Why invest in cryptocurrency with a Crypto IRA?
Investing in crypto with an IRA allows you to diversify beyond stocks and bonds while keeping tax advantages. Gains inside an IRA are not subject to annual capital gains taxes. With a Roth Crypto IRA, withdrawals in retirement are tax-free, while a Traditional IRA offers tax-deferred growth. Alto combines these benefits with access to 250+ cryptocurrencies.
4. What are the fees for an Alto Crypto IRA?
Alto keeps fees transparent and low:

- $10 annual account fee
- Standard Coinbase trading fees (no hidden markups)
- No account minimums

This simple structure means more of your money goes into your investments—not overhead costs.
5. Is a Crypto IRA safe?
Yes. Alto partners with Coinbase for crypto custody and crypto assets are not insured by the FDIC, may lose value, are not deposits or other obligations of the Bank, and are not guaranteed by the Bank. Your assets are secured with institutional-grade storage, encryption, and regulatory compliance. While all crypto carries market risk, Alto ensures the highest security standards for retirement investors.
6. Can I roll over my existing IRA or 401(k) into a Crypto IRA?
Yes. You can transfer or roll over funds from an existing IRA, Roth IRA, SEP, or even a 401(k) into an Alto CryptoIRA. Rollovers are tax-advantaged when done correctly, letting you move retirement savings into crypto without triggering penalties or early withdrawal fees.
7. How do I open a Crypto IRA with Alto?
Opening an account takes just minutes:

Step 1 : Create your Alto account online.
Step 2 : Fund your IRA via contribution, transfer, or rollover.
Step 3 : Start trading 250+ cryptocurrencies securely with Coinbase integration.
8. What are the tax benefits of a Roth Crypto IRA?
With a Roth Crypto IRA, all investment gains can grow tax-free. Qualified withdrawals in retirement are also tax-free, meaning you can sell Bitcoin, Ethereum, and other crypto without owing federal taxes. Plus, Roth IRAs have no required minimum distributions (RMDs), giving you more control over your money.
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Alto Solutions, Inc. d/b/a AltoIRA (“Alto”) is an administrator of self-directed individual retirement accounts and is not a registered or licensed broker, dealer, broker-dealer, funding portal, cryptocurrency exchange, investment advisor or investment manager. Neither Alto nor any of its affiliates is an FDIC-insured bank. Banking services provided to Alto are by BankProv (Bank) Member FDIC / Member DIF. The FDIC insures each AltoIRA account holder up to $250,000 based on deposit insurance rules in the event of bank failure. Certain conditions must be met for pass-through insurance coverage to apply. The Depositors Insurance Fund (DIF) insures all deposits above the FDIC depositor limit when placed with BankProv. Crypto assets are not insured by the FDIC, may lose value, are not deposits or other obligations of the Bank, and are not guaranteed by the Bank. Alto does not control or monitor the operation or conduct of the Bank or any third- party investment platforms, funds, cryptocurrency exchanges or issuers, or their offerings. Information provided by Alto does not constitute an offer, nor the solicitation of an offer to buy or subscribe to, any securities to any person in any jurisdiction. Whenever making an investment decision, investors should consult with their tax attorney or financial professional. Investors are responsible for conducting their own due diligence regarding investments, for using their Alto accounts in compliance with law, and for all tax and other risks and obligations arising from account transactions.

Alto Trust Co. is a wholly-owned subsidiary of Alto, a state chartered trust company regulated by the Financial Institutions Division of the State of New Mexico and a “bank” as defined under the US Treasury Department’s Financial Crimes Enforcement Network (FinCEN) money service business regulations, 31 CFR 1010.100(d) Alto Trust Co. serves as a qualified IRA custodian under Section 408 of the Internal Revenue Code. Neither Alto nor Alto Trust Co. is a digital asset wallet or exchange. The Alto platform facilitates the self-directed purchase and sale of cryptocurrencies on the Coinbase exchange. All cryptocurrency transactions are settled at Coinbase and all digital assets in Alto IRAs are maintained in institutional custodial wallets at Coinbase for the benefit of AltoIRA account holders. Custody provided by Coinbase Custody Trust Company, LLC, New York, regulated by the New York Department of Financial Services. Coinbase holds money transmitter licenses throughout the United States. For further information see NMLS.

Alto®, The Alternative IRA®, the Alto logo and Alto CryptoIRA® are trademarks of AltoIRA.
All other trademarks are the properties of their respective owners.