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Alto CryptoIRA®

Your future, powered by cryptocurrency.

Meet the tax-free way1 to invest in crypto. With a crypto IRA, you can use your retirement savings to buy, sell, and trade 200+ coins and tokens directly through Coinbase. 

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200+ Coins and Tokens

Use your IRA to buy, sell, and trade Bitcoin, Ethereum, and more through our integration with Coinbase. View our full crypto list here.

How Alto works

Create your account

1 Get started with an Alto CryptoIRA to buy and sell crypto with the tax advantages of an IRA.

Select your IRA type

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

Fund your account

3 Transfer funds from an existing retirement account, or cash from a bank account.

Start investing

4 Invest in 200+ coins and tokens through Coinbase integration.

Get Started

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, real-time trading, $10 investment minimums, and no monthly account fees, it’s also incredibly easy to get started. We even offer a free concierge service to help walk you through setting up and funding your account.

Check out the 200+ available cryptocurrencies.

Keep more of what you earn.

We don’t charge any account maintenance or setup fees, and will never require an account minimum. All you pay is a straightforward 1% trading fee per transaction.

See pricing

Your money is secure.

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

Learn more at Coinbase.com

Alto® Vault

What our crypto customers say...

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FAQs

Alto CryptoIRA offers $10 investment minimums, one of the largest coin selections of any crypto IRA, 24/7 real-time trading, no monthly account fees, and a completely optional (and free) concierge service to help you set up and fund your account. Not only that, because of our integration with Coinbase, you don’t have to go through the hassle of setting up an LLC, creating a wallet, or choosing an exchange.

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

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.

‍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 more than 150 cryptocurrencies 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. 

Undirected cash in your Alto CryptoIRA is held in FDIC-insured accounts. To the extent funds are held in cash at Coinbase, they are maintained in pooled custodial accounts at one or more banks insured by the FDIC. Digital assets held at Coinbase are maintained in a combination of hot and cold storage. Coinbase maintains a commercial crime policy that provides an insurance coverage limit of $320 million (per incident and overall), as well as a $3 million cyber crime insurance policy.

Since our CryptoIRA is integrated with Coinbase, and Coinbase does not offer its services to customers located in Hawaii, we are unable to offer our CryptoIRA to you at this time. Want to receive an update when our CryptoIRA opens up to Hawaii residents? Get on the waitlist here.

The good news is that you can still open an Alto IRA account here and invest in cryptocurrency through our partners, like Eaglebrook, or if you’re an accredited investor—Bitwise, Grayscale, Skybridge, and more!

There are 200+ cryptocurrencies we support via Coinbase.

Didn’t see what you were looking for? We frequently add to our list. Let our team know what you’d like to see at [email protected].

See All FAQs

Important information about using an Alto CryptoIRA® for investing in cryptocurrencies on Coinbase.

Alto Solutions, Inc. (“Alto”) dba AltoIRA.com is a platform for investing in alternative assets like cryptocurrencies using self-directed IRAs.  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.

Your retirement is now in your control.

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1Capital gains accrue on a tax deferred or tax-free basis dependent upon your IRA account type. Alto does not provide tax advice. Consult a tax advisor or certified financial professional with any questions.

1Traditional IRA and SEP taxes are deferred; Roth IRAs are tax-free.

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. Read more… Alto does not provide investment advice or recommendations about any specific security offering, investment or asset. Investing in start-ups, cryptocurrency, securitized art and other alternative investments involves significant risks. Alto services are intended only for investors who fully understand and are willing to accept the risks associated with alternative investments and the management of self-directed IRAs. Alto does not control or monitor the operation or conduct of third party investment platforms, funds, cryptocurrency exchanges or issuers, or their offerings. Information provided by AltoIRA 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®, The Alternative IRA®, the Alto logo and Alto CryptoIRA® are trademarks of AltoIRA.  All other trademarks are the properties of their respective owners. See additional information on file here.