Buy, sell, and trade the most popular cryptocurrencies, tax free. Open an account by March 31st, 2025, and get a 1% match* on your contributions. See full details.
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A New Way to Invest in Cryptos
With IRAfi Crypto, you can rollover or transfer an existing retirement account, or start a new one, to buy, sell, and trade crypto instantly 24/7/365.
- No Need for an LLC
- In Partnership with Bitstamp
- Choose from over 30 popular tokens
- We Handle All IRS Reporting
- Included FREE with full-service IRA Financial accounts
Benefits of Investing with Retirement Funds
Tax-Free Gains
All income and gains from your crypto investments flow back into your retirement plan without tax
Ignore Holding Periods & Basis
No need to worry about holding periods and figuring out short- and long-term capital gains since your investments are not subject to tax
Diversification
Diversify your retirement portfolio by investing in an emerging asset class
The IRAfi Crypto Platform
- Dedicated platform for crypto traders
- Prices updated in real-time
- Concise buy/sell user experience
- Comparative analysis tool
- Educational links for each coin
- Total value & profit/loss at a glance
In Partnership with Bitstamp
Trusted & Regulated
High Liquidity & Reliable Order Execution
Institutional-Grade Services
Security is Our Top Priority
IRA Financial, a leading provider of self-directed retirement accounts, partnered with Bitstamp, one of the longest-running cryptocurrency exchanges, to offer direct crypto trading with an IRA Financial retirement account. This partnership is beneficial for individuals looking to diversify their retirement savings with cryptocurrency while maintaining the security and tax advantages of an IRA and features the following:
- 1:1 Fully Licensed Custody: All funds are 100% backed and held in regulated custodial accounts.
- Cold Storage: 95% of digital assets are stored offline in bank-grade Class III vaults to prevent hacking risks.
- Separate Customer & Corporate Assets: Customer funds (crypto and fiat) are stored separately from company assets to ensure financial transparency.
- Encryption & Security Protocols: Personal data is highly encrypted to protect user information.
- Transaction Security: Features such as whitelisting and transaction confirmations add an extra layer of security against unauthorized access.
The IRA Financial Difference
24,000+ Clients
Our tax and ERISA experts have helped over 24,000 clients in all 50 states.
No Hidden Fees
No transaction or asset value fees. No minimum balance requirement (with credit card on file).
Serve as Your Custodian
Holds over $3.2 Billion in alternative assets.
Expertise
IRA Financial’s founder, Adam Bergman, is the author of nine books on self-directed retirement.
Dedicated Support
Get direct access to a self-directed retirement expert to establish your plan.
Technology
Use our app to set up and maintain your account.
Quick FAQ & Further Reading
- Direct Contribution
- IRA Transfer
- Rollover of Previous Employer 401(k) Funds
Please note: you cannot fund your plan with cryptos. At the time, you may only fund your IRAfi Crypto account with cash from a retirement plan.
No! IRA Financial is unique in that we do not require a minimum deposit to get started or maintain a minimum balance as long as you have a credit card on file.
- It is designed for the Novice and Intermediate trader that wants to get started without first mastering a complex trading platform.
- It has a unique profit and history tracking tool that allows users to have a clear picture of their activities and the outcomes.
- It has direct education links from each coin to popular education sites like CoinMarketCap to help users learn more about coins to invest in.
- It provides real time pricing and profit/loss trends on-screen that other popular trading platforms do not offer.
Not at this time. However, IRA Financial has been working on a multi-signature wallet solution that will comply with IRS rules and the McNulty case ruling that will allow retirement account owners to hold their cryptos off the exchange on a cold wallet in which they personally hold. We are hoping this solution will be live in the near future.
No. At this time, the IRAfi Crypto platform can only be funded with cash from a retirement account. You can always sell the cryptos you hold with another company tax free and then repurchase the cryptos on the IRAfi Crypto platform.
Since retirement plans are tax-advantaged accounts, you don’t need to worry about taxes, such as capital gains, when you trade cryptos inside one. With a traditional plan, taxes are deferred until you withdraw from the plan; if you utilize a Roth, never pay taxes on qualified distributions.
Limit trading is now live on the app! A limit order is a direction to purchase or sell a crypto at a specified price or better. This feature allows retirement account investors to better control the prices at which they trade. A limit can be placed on either a buy or sell order:
- A buy limit order will be executed only at the limit price or lower.
- A sell limit order will be executed only at the limit price or higher.
The 1% IRAfi Crypto fee includes all Bitstamp trading fees.
IRAfi Crypto™ does not support all cryptocurrencies; it does support most of the major cryptocurrencies including Bitcoin, Ethereum, Litecoin, Bitcoin Cash, XRP, etc. See the full list here.
If you wish to invest in a crypto not supported by our app, you can set up a Checkbook IRA and use an exchange of your choice. You would purchase cryptos in the name of the LLC and control the entire process on your own without the need for expensive brokers.
In order to invest in other assets such as real estate and precious metals, you need to upgrade your account to a full-service Self-Directed IRA or Solo 401(k) plan. Simply log into the app, and choose which type of plan you want.
Buying cryptos through an ETF at a brokerage firm comes with drawbacks compared to purchasing directly from an exchange. ETFs incur higher ongoing fees and do not provide direct ownership of the tokens. ETFs trade only during stock market hours, unlike exchanges that operate 24/7, and may experience tracking errors or price premiums during volatile markets.
All customer funds held on Bitstamp are 100% backed and available for withdrawal at any time. Assets are held 1:1 in custody, meaning for each coin our customers hold with us, that coin is safely held with a fully licensed, qualified custodian.
All Bitstamp customers’ crypto and fiat are stored separately from corporate assets. Bitstamp never will lend or stake out your assets, crypto or fiat, without your express instruction.
95% of crypto held at Bitstamp is securely stored offline in bank-grade Class III vaults. Bitstamp keeps the remaining 5% online to enable smooth and fast transactions. Additionally, our custodians hold insurance for client assets in cold wallets. Learn more
The IRS requires taxpayers must answer the digital asset question and report all digital asset-related income when they file their 1040 return, which is filed by the individual and not the IRA, so there is a position that one who only owns cryptos via an IRA does not have to respond in the affirmative to the question on IRS Form 1040.
However, the safest approach is to answer “yes” to the question since it is unclear if it only relates to crypto ownership in one’s personal capacity.
Yes! IRA Financial will do everything to help you set up your Bitstamp account. You will have 100% control of all aspects of the account. The opening and funding of your IRAfi Crypto account is quick and easy. Plus, our dedicated team is available by phone, email, or chat to help with any questions.
IMPORTANT DISCLAIMER
IRA Financial Trust Inc. and IRA Financial Group, LLC (“IRA Financial”) are not an exchange, funding portal, custodian, trust company, licensed broker, dealer, broker-dealer, investment advisor, investment manager, or adviser in the United States or elsewhere. IRA Financial is not affiliated with & does not endorse any particular cryptocurrency, precious metal, or investment strategy. IRA Financial is solely a technology platform providing access to cryptocurrency investments via Bitstamp cryptocurrency exchange.
Cryptocurrencies are a speculative investment with risk of loss. Staking involves considerable risk. Cryptocurrency is not legal tender backed by the United States government, nor is it subject to Federal Deposit Insurance Corporation (“FDIC”) insurance or protections. Users do not receive a choice of custody partner. The self-directed purchase and sale of cryptocurrency through a cryptocurrency IRA have not been endorsed by the IRS or any regulatory agency. Historical performance is no guarantee of future results.
IRA Financial makes no guarantee or representation regarding investors’ ability to profit from any transaction or the tax implications of any transaction. IRA Financial does not provide legal, investment or tax advice. Consult a qualified legal, investment, or tax professional.
Information contained on this website is for information purposes only. It is not tailored to any specific user. It does not constitute investment advice in any way, nor does it constitute an offer to sell or a solicitation of an offer to buy or sell any cryptocurrency or security or to participate in any investment strategy. IRA Financial. makes no representation or warranty as to the accuracy or completeness of this information and shall not have any liability for any representations (expressed or implied) or omissions from the information contained herein. IRA Financial disclaims any and all liability to any party for any direct, indirect, implied, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this information, which is provided as is, without warranties.
*IRAfi Crypto clients earn a 1% match (Match) on all new IRA, 401(k), HSA, or Coverdell contributions, transfers, or rollovers from a non-IRA Financial Trust Company institution to IRA Financial Trust Company starting on February 4, 2025 through March 31, 2025. The maximum amount to be paid under the Match program is $1,000 per person. To receive the Match the IRAfi Crypto account must be opened by March 31, 2025, and funded by April 30, 2025, with the first investment trade of at least $1,000 completed by April 30, 2025. Funds cannot rollover from an existing IRA Financial account. The Match will be deposited into the IRAfi Crypto account by May 31, 2025. In addition, you must keep your assets in your IRA Financial IRA for at least 2 years, otherwise you may be subject to an early match removal fee. See full details.
