Alto CryptoIRA™

Your future, powered by cryptocurrency.
Meet the tax-free way1 to invest in crypto. With a CryptoIRA, you can use your retirement savings to buy, sell, and trade directly through Coinbase. Who knows…the currency of the future might just shape yours.
Alto CryptoIRA™

How Alto works:

Create your account

1 Open a CryptoIRA. It's fast, easy, and 100% online.

Select your IRA type

2 Every IRA has a tax advantage. Choose from traditional, Roth, or SEP.

Fund your account

3 Contribute cash from your bank or transfer funds from an existing retirement account.

Start investing

4 Trade cryptocurrencies on the Coinbase exchange directly in your Alto portal.

This IRA is made for crypto.

Alto connects directly with Coinbase—no LLC required—so you can buy, sell, and trade crypto using your retirement savings. With 24/7 trading and investment minimums as low as $10, it’s also incredibly easy to get started (just saying).

Check out the available cryptocurrencies

Alto CryptoIRA™

Keep more of what you earn.

We don’t use fee schedules, we’ll never require an account minimum, and there are no setup charges. Just simple pricing, with everything right there for you to see. With a CryptoIRA, you’ll either pay 0.0833%/mo or $25/mo, whichever is less, and 1.5% per transaction.

Alto® Vault

Your money is secure.

Alto prioritizes industry-leading security measures every step of the way. Coinbase gives you the added bonus of offline asset storage and insurance coverage.


The Alto CryptoIRA can only hold cash and investments in cryptocurrencies bought and sold through the Coinbase exchange. Out of an abundance of tax caution, we do not allow you to invest in non-crypto related assets from your Alto CryptoIRA. You may, however, open additional Alto IRA accounts to make non-crypto related investments. When investing in cryptocurrencies with an Alto CryptoIRA, you do not need to create an LLC, and there is only a $10 investment minimum on market orders.

‍You can roll over or transfer funds from an existing traditional, Roth, SEP, or SIMPLE IRA, as well as 401(k), or 403(b), subject to applicable legal limits.

‍You may open a traditional, Roth, or SEP IRA when setting up your Alto CryptoIRA.

‍To open your Alto CryptoIRA account, select “CryptoIRA” when presented with our product options. Prepare to invest by funding your Alto CryptoIRA and adding a credit card.

‍After funding your Alto CryptoIRA, you can invest through Alto’s platform in any cryptocurrency offered on the Coinbase exchange. We maintain enough liquidity in our account to accommodate daily trading volumes, and the remainder we hold in cold storage. Our team also takes care of annual tax reporting and is available to answer any questions you have.