Bitcoin IRA: Platform Profile
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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.
Costs and minimums
| Setup fee | Bitcoin IRA states that accounts opened on or after December 1, 2025 have no setup or deposit fee. |
|---|---|
| Transaction fees | A percentage trading fee applies to purchases and sales, and the exact rate is account-specific. Liquidity-provider pricing can include a spread, while outgoing transfers, distributions, and other requested services may carry separate fees. |
| Annual account fee | A monthly maintenance and security fee applies as a percentage of digital-asset value. The public fee disclosure does not state one universal rate, so the exact percentage must be taken from the customer's fee schedule before opening. |
Account types
| Checkbook control | Bitcoin IRA does not present this product as an IRA LLC or checkbook-control account. Trading and distributions remain inside its custodial crypto IRA workflow. |
|---|---|
| Ira account types | Bitcoin IRA supports Traditional, Roth, and SEP crypto IRAs. Other retirement-plan types are not part of this comparison row. |
| Restricted assets | Trading is limited to supported digital assets and the platform's account rules. Personal-wallet possession is not part of ordinary IRA trading, and prohibited-transaction rules still apply. |
| Service and reporting | Bitcoin IRA provides an online trading account, retirement-account support, and IRA administration through its custodial arrangement. Opening and product access remain subject to identity checks, account eligibility, and state availability. |
| Investment review process | The owner places trades through the Bitcoin IRA platform, which routes them through its liquidity and custody arrangements. Bitcoin IRA and Digital Trust do not choose investments for the account owner. |
| Rollovers transfers contributions | Funding can come from an eligible IRA transfer, a rollover from a former employer plan, a cash contribution, or an accepted in-kind transfer from another crypto IRA. |
Regulation and investor protection
| Custodian | Digital Trust LLC, a Nevada-chartered trust company, provides the IRA's non-discretionary custodial services. Bitcoin IRA also describes BitGo technology and storage arrangements, but BitGo should not be presented as replacing Digital Trust as the IRA's legal custodian. |
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Sources
- bitcoinira.com
- bitcoinira.com — Buy bitcoin
- bitcoinira.com — Security
- bitcoinira.com — Legal digital asset investments fee disclosure
- bitcoinira.com — Legal custodial agreement traditional
- bitcoinira.com — Legal account disclosures traditional
- bitcoinira.com — Legal custodial agreement simple
- bitcoinira.com — Legal disclosure statement solo k
- bitcoinira.com — Freedom account
- help.bitcoinira.com — 9523035 what are bitcoinira s fees
- help.bitcoinira.com — 9523037 are there minimums and investment caps
- help.bitcoinira.com — 9523144 are there any trade minimums
- help.bitcoinira.com — 13687564 how to create a crypto bundle
- help.bitcoinira.com — 9523168 who is digital trust
- bitcoinira.com — Crypto ira
- bitcoinira.com — Legal
- help.bitcoinira.com