BitIRA: Platform Profile

Overview

BitIRA is a guided digital-currency IRA platform built around third-party self-directed IRA custody, institutional liquidity, and cold-storage infrastructure.

Current preferred structure uses:

• Equity Trust Company as preferred custodian;
• Galaxy Digital as exchange/liquidity partner;
• Ledger Enterprise for storage/security infrastructure.

Current account types include:

• Traditional;
• Roth;
• SEP;
• SIMPLE.

BitIRA is not itself:

• an investment adviser;
• a broker-dealer;
• the IRA custodian.

May fit better for

• investors who want human assistance opening a crypto SDIRA;
• investors comfortable with a larger initial deposit;
• investors who value Equity Trust custody;
• investors seeking a focused list of established digital assets;
• investors who prefer guided transactions over a pure exchange interface;
• investors who want traditional, Roth, SEP, or SIMPLE SDIRA structures.

May fit less well for

• investors starting with less than the current $10,000 reference;
• investors seeking a very broad 90- or 100-asset crypto menu;
• investors who want personal private-key control;
• investors who want a clearly published all-in transaction percentage;
• users who want a mainstream brokerage;
• investors who assume insurance eliminates crypto volatility risk.

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Current preferred custodian

Current BitIRA custody page:

• Preferred custodian: Equity Trust Company

Current Equity Trust description:

• IRS approved custodian: Yes
• Regulated by: South Dakota Division of Banking

Older customers can have different custody arrangements.

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Current digital-asset custody fees

Current BitIRA FAQ:

• Equity Trust setup fee for digital assets: $0
• Equity Trust annual maintenance fee for digital assets: $0

Current transaction-related Equity Trust disclosures show:

• Liquidity cost: up to 1% of purchase or sale order
• Included in quoted price: Yes

This is a custodian/liquidity-cost reference.

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BitIRA transaction-fee

Current BitIRA disclosures state BitIRA charges a fee based on transaction value.

The public pages supplied for this package do not establish one universal current BitIRA service-fee percentage.

This prevents the review from understating cost.

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Current minimum reference

A current live BitIRA article states:

• Initial deposit: $10,000

The same article states:

• Minimum order size after opening: $0 current article reference

Because the $10,000 figure appears in a live 2025-published article rather than a current fee schedule, store:

• Universal current minimum verified by fee schedule: No

Use $10,000 as a current live-site reference and update trigger.

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Current digital asset list

Current FAQ lists 18 assets:

• Current FAQ asset count: 18

The list includes BTC, ETH, LTC, SOL, XRP, XLM, BCH, LINK, AAVE, BAT, GRT, MKR, MANA, YFI, COMP, UNI, DAI, and LPT.

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Exchange partner

Current BitIRA page:

• Exchange partner: Galaxy Digital

Galaxy provides institutional digital-asset liquidity.

BitIRA customers do not become direct Galaxy brokerage customers merely because Galaxy executes/fulfills transactions.

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Storage partner

Current BitIRA custody/security materials:

• Storage security partner: Ledger Enterprise
• Multi signature authorization: Yes

Current marketing also describes insurance held through partner arrangements.

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Account types

Current BitIRA pages support:

• Traditional IRA: Yes
• Roth IRA: Yes
• SEP IRA: Yes
• SIMPLE IRA: Yes

These are self-directed IRA structures using qualified custody.

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Transactions and confirmations

Current BitIRA site disclosures state transactions:

• must be confirmed;
• are subject to BitIRA transaction agreements;
• have no guaranteed price until settlement.

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Custody vs advice

Current BitIRA disclosures state:

• Investment advice: No
• Tax advice: No
• Fiduciary relationship: No

Customers make their own digital-asset allocation decisions.

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Protection

Partner insurance and storage controls do not insure against:

• falling token prices;
• poor asset selection;
• lost opportunity;
• market liquidity changes.

Assessment

BitIRA uses a more guided, partner-driven structure than app-first crypto IRA platforms.

The current preferred stack is straightforward:

Equity Trust for custody, Galaxy Digital for trading/liquidity, Ledger Enterprise for storage/security.

The fee comparison is less straightforward.

Equity Trust's current digital-asset accounts have no setup or annual maintenance fee and can embed a liquidity cost up to 1%.

That is not enough evidence to call BitIRA a "1% platform."

The all-in BitIRA transaction cost remains offering/transaction specific in the supplied current disclosures.