When you open a Crypto account in your IRA, you establish a self-directed IRA trust account with American Estate & Trust (AET) as custodian. You direct all investment decisions—what to buy, sell, or hold. AET processes your instructions and maintains IRA records for tax reporting, while the actual cryptocurrency is stored at Coinbase on behalf of your IRA. You control investment decisions; AET handles IRA administration and compliance.
Carry Crypto
Buy and sell crypto inside your IRA
Add cryptocurrency exposure to your retirement portfolio by investing in Bitcoin, Ethereum, and other popular digital assets through your IRA. Diversify into crypto while maintaining the tax advantages of retirement investing.
Crypto IRA accounts are self-directed and are not advised by Carry Advisors LLC or serviced by Global Carry LLC.
Crypto, but tax-advantaged
Unlike taxable crypto accounts, investing through your IRA means no immediate tax consequences on trades or rebalancing. Any potential gains remain within your tax-advantaged retirement structure.
Cryptocurrency assets are held in custody by American Estate & Trust Company, with digital assets stored with Coinbase.
Access popular digital assets
Add crypto exposure with popular options like Bitcoin, Ethereum, and Solana. Choose from 10 recognized cryptocurrencies to diversify your retirement portfolio with digital assets.
Cryptocurrency investing involves a high degree of risk. You may lose your entire investment. Cryptocurrencies are not insured by FDIC or SIPC.
Choose your Carry membership
Core
$29 /month
or $299/year
Solo 401k, IRAs, and Taxable Brokerage accounts
Invest in equities including stocks, ETFs, and mutual funds
Access to managed investments including Smart Yield and Roboadvisor
Add on tax filing, tax planning, bookkeeping, and financial planning for an additional fee
Full access to 20+ courses
Pro
$49 /month
or $499/year
Everything on Core, plus:
Invest in Crypto in your Traditional or Roth IRA
Access to Alternative investments in your Solo 401k, Roth IRA, or Traditional IRA
Advanced Solo 401k support including EACA credit filing
Questions before joining?
How does crypto investing on Carry work?
How risky is crypto investing?
All investing involves risk, including loss of principal. Cryptocurrency is highly volatile and speculative, with prices that can fluctuate dramatically in short periods. Crypto is considered one of the riskiest asset classes, and investors should only invest what they’re comfortable potentially losing. Consider consulting with a financial advisor to determine if cryptocurrency investing aligns with your risk tolerance and investment goals.
Are there any additional fees for crypto investing on Carry?
Yes, each cryptocurrency transaction has a 1% trading fee. This fee is charged by your IRA custodian and covers the costs of trading, custody, and maintaining the self-directed structure required for crypto investing within retirement accounts. See fees for more details.
What's the minimum amount to invest in crypto?
The minimum investment amount for cryptocurrency is $10 per transaction. This low minimum makes it easy to start small or add to your crypto positions gradually as part of your retirement portfolio strategy.
Can I transfer existing crypto holdings into or out of my IRA?
No, you cannot transfer existing cryptocurrency holdings directly into your IRA. You would need to sell your current crypto holdings outside of the retirement account and then use cash to purchase cryptocurrency within your IRA. This is due to IRS rules governing retirement account contributions and transfers.
Once funds are invested in your IRA, they are not transferrable in-kind. You can liquidate them at anytime into cash which can be transferred, but they cannot be transferred in-kind to any outside wallet, exchange or provider.
Which cryptocurrencies are available for my Carry IRA?
You can invest in the following cryptocurrencies through your Carry IRA: Avalanche, Bitcoin, Chainlink, Compound, Ethereum, Litecoin, Solana, Stellar, Uniswap, and XRP. The ability to purchase a crypto asset on Carry is not an endorsement or recommendation by Carry. Invest at your own risk.
Can I setup recurring crypto investments?
No, we don’t currently offer recurring cryptocurrency investments.
Are my crypto investments insured?
No, cryptocurrency investments are not covered by SIPC insurance or FDIC protection. Crypto assets are held in custody with Coinbase, in the name of your trust account with AET.