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The Alternative IRA®

Start reimagining your financial future by reimagining what your IRA can do for you.

Grow your nest egg like the wealthiest investors by using your IRA to hold assets you never knew you could. Discovering your alternatives begins here.

Alto CryptoIRA™

How Alto works:

Create your account

1 Get started with an Alto IRA or CryptoIRA to trade on Coinbase.

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 Not a VC? Not a problem. Get access to our network of investment partners.

Choose what to invest in.

Alto offers a wide range of alternative assets so you can easily diversify your portfolio, all in one place. Fine art, venture capital, startups, real estate, land, and more.

Business Suite

Bring on the tax benefits.

Growing your money doesn’t need to be taxing. Choose which IRA type works best for your tax situation to increase your return on investments. With a traditional and SEP, you pay no taxes until you take a distribution, and with a Roth IRA, you pay no taxes on gains.1

No hidden fees.

We believe in equal pricing for everyone, whether you’re investing hundreds or thousands.


Invest with our network of integrated partners.


Or $100/year
(get two months free!)

What our customers say...


The Alternative IRA® from Alto is an individual retirement account that gives investors the freedom to invest in alternative assets like startups, private companies, real estate, loans, and cryptocurrencies using the Alto platform. You can invest using Alto’s investment partners.

We’ve built an easy-to-use and enjoyable user experience. Our pricing is simple: we have no hidden fees. We’ve moved the entire process online and include the counterparty in the transaction process—saving you the burden of massive amounts of paperwork.

The Alto IRA puts the investor in the driver’s seat of their retirement account, allowing them to select the investments they want while maintaining the same tax-advantages as other IRA accounts.

There is no legal distinction between a traditional IRA and a self-directed IRA. While traditional, Roth, SEP, and other IRAs can all be “self-directed” (meaning you choose what to invest in), most brokerages and custodians don’t allow investments in unregistered securities, frequently referred to as “alternative assets.” With The Alternative IRA®, Alto investors have the control and flexibility to invest their IRA in assets uniquely suited to long-term investing—like startups, real estate, and more.