White Alto Logo.
Log In
Sign Up

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.
Sign up
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.

Create your account

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™
Fees

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.

See pricing
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.
Learn more at Coinbase.com

FAQs

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. 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. 

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!

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.

Start investing
Get the latest from Alto.
White Alto Logo.
Linkedin Twitter Facebook-f

Company

Info

Made in Nashville, TN

© 2021 Alto Solutions, Inc. All rights reserved.

Privacy Policy  |  Terms of Service   |  Legal Terms

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.