Invest in Crypto Tax-Free1

Bitcoin, Ethereum, and more in your IRA.

*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.

Why Invest in Crypto with an Alto CryptoIRA?

Avoid the hassle when you invest with an IRA.

200+ Cryptocurrencies

Choose from one of the largest selections of any crypto IRA via Coinbase integration.

Tax Advantaged

Avoid capital gains, plus get other tax benefits offered by traditional, Roth, and SEP IRAs.

On-the-Go Trading

Buy and sell crypto whenever, wherever, with 24/7, real-time trading and our new mobile app.

Low Transparent Fees

Invest in cryptocurrency without the hidden fees and high minimums.

Market and Limit Orders

Place market orders at current prices or set a future price to buy or sell using limit orders.

Secure Storage

Your assets are held in FDIC-insured accounts (cash) or hot and cold storage (crypto) at Coinbase.

Never pay taxes with a Roth CryptoIRA2

Adding cryptocurrency to your IRA portfolio can diversify your investments and help you potentially achieve greater long-term growth potential.

Invest in Up to 200+ Cryptocurrencies3

Alto CryptoIRA® gives you access to one of the largest selections of any crypto IRA through our integration with Coinbase, the United States’ largest publicly traded crypto exchange.










Got questions?
Well, we've got answers.

Who is eligible to open an Alto CryptoIRA?

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

Why buy and sell crypto in an IRA?

No matter how much your investment grows, you’ll never pay taxes on gains in a crypto IRA. You may even be able to avoid taxes altogether. Upon eligibility to take distributions:

  • Traditional and SEP IRA distributions are subject to income taxes only.
  • Roth crypto IRA qualified distributions are completely tax-free.

Additionally, unlike when you trade crypto outside a tax-advantaged account, doing so within an IRA allows you to avoid the often-tedious process of reporting trades on your taxes each year.

How much money do I need to invest using the Alto CryptoIRA?

With Alto CryptoIRA, you can invest with as little as $10.

What are the fees for the Alto CryptoIRA?

We don’t believe in hidden charges, exorbitant fees, or steep investment minimums. What you see is what you get. The table below describes our fee structure. See legal terms and pricing. Pricing and terms subject to change.

How does Alto CryptoIRA differ from other IRAs?

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 accounts to make non-crypto related investments.

2) Tax-free treatment subject to Roth IRA holding period and other restrictions. Tax treatment of contributions and distributions subject to applicable regulations. Consult your tax advisor before investing.

3) Quantity and selection of tokens/coins available from CryptoIRA exchange partners may vary from state to state.

The best way to crypto.

It’s time to focus on the future of your wealth. 

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. 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.