Best Crypto IRA's Platforms to Use in 2026

iTrustCapital is one of the leading fintech platforms providing U.S. users with access to investing in digital assets, including cryptocurrencies, through tax-advantaged retirement accounts (Crypto IRAs). The company was founded in 2018 and has since processed over $16 billion in crypto transactions, serving more than 200,000 accounts with numerous positive customer reviews.

iTrustCapital allows users to open an account with a $1,000 minimum and gives clients 24/7 access to over 90 cryptocurrencies and physical gold and silver, with new assets continuously being added to the platform. New users can also receive a $100 bonus when opening and funding an account using this link. The platform charges no monthly, setup, or exit fees and applies a 1% transaction fee on crypto transactions, which is among the most competitive rates in the Crypto IRA market.

iTrustCapital also has robust asset custody. The company leverages regulated bank and trust partners, along with institutional crypto storage providers, to secure assets. By working with Coinbase Custody and Fireblocks, crypto assets are stored within fully secure, audited, and regularly stress-tested institutional environments using cold storage, MPC, and HSM technologies. With their closed-loop system, there is no automatic connection to external wallets for withdrawals, mitigating the risk of funds being drained from a compromised account. In addition, iTrustCapital supports crypto staking in Crypto IRAs, including ETH and SOL staking. The platform also supports market orders and conditional transactions, allowing users to set target prices at which market buy or sell orders are automatically executed.

iTrustCapital also provides well-structured and easy-to-understand Learn Center guides covering cryptocurrencies, precious metals, finance, news, and platform features. These educational resources are particularly useful for users coming from traditional financial markets who are beginning to engage with crypto through IRAs. Most importantly, iTrustCapital is a client-first company, with a U.S.-based customer service team that can assist new and existing clients with questions, rather than relying solely on automated support or bots.

BitIRA is a U.S.-based platform founded in 2017 that enables investors to buy and hold cryptocurrencies through IRA accounts. The company operates within a regulated framework and was among the first crypto IRA providers to register as a Money Services Business (MSB) with the U.S. Department of the Treasury.

BitIRA supports self-directed IRAs, giving investors access to 18 cryptocurrencies, including major assets such as Bitcoin (BTC) and Ethereum (ETH). The platform does not charge setup fees, while crypto transaction fees vary depending on trade size.

BitIRA stands out with secure custody of client assets, offering fully insured cold storage for client funds. Custody infrastructure is supported through a partnership with Ledger Enterprise, one of the leading providers of institutional digital asset custody solutions.

Coin IRA is a U.S.-based company founded in 2017 that enables clients to diversify their retirement portfolios using cryptocurrencies. The platform is used for crypto investing through IRA accounts and features a simple, user-friendly interface.

Coin IRA supports both IRA accounts and non-IRA custody accounts, with a $5,000 minimum required to open an account. The platform provides access to 18 cryptocurrencies, with crypto transaction fees of 1.25% on purchases and 1% on sales, while no storage or platform usage fees are charged.

Coin IRA stands out for offering a broad range of account funding methods, including transfers, rollovers, and direct deposits. Client assets are stored securely using a powerful custody solution, supported through a partnership with Ledger Enterprise.

BitcoinIRA is a cryptocurrency retirement platform founded in 2016, serving 200,000+ users and having received 5,000+ five-star user reviews. The platform allows investors to access digital assets through IRA accounts with a minimum account size of $1,000.

BitcoinIRA supports 80+ cryptocurrencies and stands out for its simple, user-friendly interface combined with a strong focus on education. The platform provides structured learning materials, including video tutorials, a help center, and a knowledge base, making it accessible for users entering crypto from traditional markets.

In addition, BitcoinIRA supports staking for selected assets, including ADA, ETH, SOL, DOT, and SUI. The trading functionality is well developed, offering limit orders and conditional orders, which significantly increases flexibility for managing crypto positions within an IRA.

Alto CryptoIRA is a product of Alto, a self-directed IRA platform founded in 2015. Now, Alto manages over $2 billion in assets under custody and serves 32,000+ clients, making it one of the more established platforms in the Crypto IRA segment.

The platform supports 250+ cryptocurrencies, which is among the highest selections available in the Crypto IRA market. Alto CryptoIRA also offers low trading fees, aligned with Coinbase’s fee structure (0.6% taker / 0.4% maker), and allows users to open an account with a minimum of $10.

Alto IRA stands out for its mobile application, available on iOS and Android, which includes portfolio tracking and advanced trading tools such as market and limit orders, enabling users to manage Crypto IRA investments directly from their mobile devices.