Bitcoin IRA: Platform Profile

Overview

Bitcoin IRA is a crypto-focused self-directed retirement platform with 24/7 trading and a broad digital-asset menu.

Current features include:

• Traditional IRAs;
• Roth IRAs;
• SEP structures;
• SIMPLE IRA custodial documentation;
• Solo 401(k) documentation;
• 100+ cryptocurrencies;
• $10 immediate-order minimums;
• staking on eligible assets;
• crypto bundles with automatic rebalancing;
• in-kind transfers;
• taxable Freedom Accounts alongside IRAs.

Current IRA custodian:

• Digital Trust LLC: Yes

Digital Trust is a state-chartered trust/custody company.

May fit better for

• investors seeking a broad crypto IRA menu;
• investors who want 24/7 self-trading;
• users who want staking on eligible assets;
• investors who want multi-asset crypto bundles;
• investors rolling retirement assets into a crypto IRA;
• users comfortable with a percentage-based monthly account fee.

May fit less well for

• investors seeking personal private-key control;
• investors who want public stocks, bonds, or ETFs inside the same trading interface;
• users sensitive to recurring percentage-based fees;
• investors who want a bitcoin-only cold-storage model;
• users who want a simple flat annual fee;
• investors who assume custody insurance covers crypto market losses.

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Current custodian

Current legal agreements identify:

• IRA custodian: Digital Trust, LLC

Current Bitcoin IRA help states Digital Trust is the exclusive self-directed IRA custodian.

Digital Trust is licensed by the Nevada Financial Institutions Division.

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Current minimum

Current help:

• IRA starting minimum: $1,000

Current immediate trade minimum:

• Trade minimum: $10

Crypto Bundle minimum:

• Bundle minimum: $1,000

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Asset count

Current platform:

• Crypto assets: 100+

Availability can vary by state.

Keep the count as an update trigger.

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24/7 self-trading

Current platform:

• Self trading 24 7: Yes
• Immediate orders: Yes
• Crypto bundles: Yes
• Automatic rebalancing: Yes
• Staking on eligible assets: Yes

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Current fee-source conflict — mandatory

January 31, 2026 Bitcoin IRA help states:

• Setup fee: $0
• Deposit fee: $0
• Trading fee reference Jan 2026: 2%
• Monthly fee reference Jan 2026: 0.08% of digital-asset value per month

However, the August 19, 2026 legal Fee Disclosure, which is newer, confirms:

• no setup fee;
• no incoming-deposit fee;
• a percentage-based monthly maintenance/security fee;
• a percentage-based trading fee;

but does not restate the numeric percentages in the public page text.

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Monthly-fee illustration using January reference

Using the January 2026 reference only:

A constant $50,000 digital-asset balance at 0.08% monthly:

$50,000 × 0.08% = $40/month

Simple 12-month disclosures show:

$480

Actual account value changes.

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Liquidity-provider fees

Current August legal disclosure states transaction pricing can also reflect third-party liquidity-provider costs such as:

• exchange fees;
• spreads;
• commissions;
• rebates;
• taxes;
• market charges.

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Custody and wallet security

Current Bitcoin IRA security pages describe:

• Custodian: Digital Trust
• Wallet security: BitGo multi-signature
• Custody insurance marketing: up to $250 million

Insurance varies by asset and custody solution.

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Account types

Current legal materials include:

• Traditional IRA: Yes
• Roth IRA: Yes
• SEP IRA: Yes
• SIMPLE IRA documents: Yes
• Solo 401K documents: Yes

Eligibility and contribution rules vary.

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Freedom Account is separate

Current 2026 platform automatically creates a companion taxable account called:

• Freedom Account: Yes

Current Freedom Account marketing:

• Setup fee: $0
• Wallet custody fee: $0
• Trading fee: 1%

The Freedom Account is:

• Retirement account: No
• Taxable: Yes

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Freedom Account protection

Freedom Account assets use Digital Trust/BitGo infrastructure under current marketing.

That does not make the account:

• an IRA;
• an FDIC-insured crypto account;
• protected against digital-asset market loss.

Assessment

Bitcoin IRA currently offers the broadest crypto menu in this batch.

The $1,000 starting minimum and $10 trade minimum are accessible relative to many alternative-asset IRAs.

The fee comparison needs more discipline than older reviews usually give it.

The newest August 2026 legal disclosure confirms percentage-based trading and monthly fees but does not publicly restate their numeric rates.

Use the January 2026 2% and 0.08% figures only as dated references until the current numeric schedule is verified.