Crypto IRA: Tax-Advantaged trading on 250+ Cryptocurrencies

Open a crypto IRA with Alto to buy, sell, and trade digital assets—potentially tax-free*—while planning for retirement.

Start trading
Best Bitcoin IRA Companies 2025 award by InvestopediaBest Crypto IRA Companies 2025 award by The MilkroadBest Bitcoin IRAs 2025 award by Business Insider

*Traditional IRAs and SEP IRAs generally are tax-deferred; Roth IRAs generally can be tax-free. Roth IRAs are generally tax-free subject to IRS rules regarding qualified distributions.

MAKING HEADLINES IN

Forbes Logo | Alto Crypto IRAArise Health logoBenzinga Logo | AltoIRA | Crypto IRAThe Paak logoOE logoInvestopedia logo

Watch the video

Your future self will thank you for watching this. Control your crypto. Control your future.
SELF-DIRECTED CRYPTO

The Alto CryptoIRA® stands out for simplicity, security, and optionality

Invest in Crypto
Invest in 250+ cryptocurrencies
Choose from one of the largest selections of any crypto IRA, via our integration with Coinbase.
Capital Gains | Savings | Icon | AltoIRA | Crypto IRA
Avoid capital gains
Avoid capital gains, plus get other tax benefits offered by traditional, Roth, and SEP IRAs.
Icon of a mobile device with a dollar sign in a speech bubble
Trade from anywhere
Use our mobile app to buy and sell crypto whenever, wherever, with 24/7, real-time trading.
Icon of a coin overlapping an arrow pointing down
Place market and limit orders
Place market orders at current prices or set a future price to buy or sell using limit orders.
Icon of stack of coins underneath an upward trending graph
Enjoy our secure storage
Your assets are held in FDIC-insured accounts (cash) or hot and cold storage (crypto) at Coinbase and our banking partners.
Icon of a checkmark on a shield
Spend on your investments, not fees
Invest in cryptocurrency without the hidden fees and high minimums.
Start trading

Never pay taxes with a Roth CryptoIRA*

Consider diversifying your portfolio with cryptocurrency in a Roth CryptoIRA. A Roth Crypto IRA is funded with after-tax dollars, meaning you can shelter your gains from taxes when you take a distribution from your account.
Checkmark in green circle
Tax-free growth
You don’t pay any taxes on dividends, interest, or capital gains earned within the account which enables faster compounding growth over decades.
Checkmark in green circle
Tax-free withdrawals
Qualified withdrawals from a Roth IRA are free from federal and state income taxes.
Checkmark in green circle
No RMDs
No Required Minimum Distributions.
Start trading
Bitcoin, Ethereum, Solana, Crypto, Crypto IRA, ALTOIRA
Alto and coinbase logo lockup

250+ cryptocurrencies through the power of Coinbase

Start trading
Aptos

Aptos

APT
Arbitrum

Arbitrum

ARB
Arcblock

Arcblock

ABT
Assemble Protocol

Assemble Protocol

ASM
Audius

Audius

AUDIO
Aurora

Aurora

AURORA
Avalanche

Avalanche

AVAX
Aventus

Aventus

AVT
Axelar

Axelar

AXL
Axelar

Axelar

WAXL
Axie Infinity

Axie Infinity

AXS
B3 (Base)

B3 (Base)

B3
Badger DAO

Badger DAO

BADGER
Balancer

Balancer

BAL
Bancor

Bancor

BNT
Band Protocol

Band Protocol

BAND
Basic Attention Token

Basic Attention Token

BAT
Benqi

Benqi

QI
Berachain

Berachain

BERA
Big Time

Big Time

BIGTIME
Bitcoin

Bitcoin

BTC
Bitcoin Cash

Bitcoin Cash

BCH
Blur

Blur

BLUR
Bluzelle

Bluzelle

BLZ

John

Verified User

“Being a beginner crypto investor with limited computer skills, the folks at Alto were very patient and kind in helping me navigate online to set up and manage my account. They helped with moving funds into and out of my wallet. Once I walked through the process it wasn't as complicated as I thought. Everything you need is explained and if you have questions they have answers. They are very professional. You couldn't ask for better service.”

5 green stars

Alan

Verified User

“Great value Alternative Asset Roth IRA for a wide selection of cryptocurrencies.  Solid custodian with Coinbase. Outstanding service provided to help me do a partial transfer of assets from another custodian. Very professional yet personal and friendly customer service.”

5 green stars

Andrew

Verified User

“Good follow up communication by Alto Team from my online submission request. Transfer of assets from IRA Cash Balance to Coinbase Balance completed less than 24hrs.”

5 green stars

The best way to crypto.

It’s time to focus on the future of your wealth.
Alto CryptoIRA Mobile Screenshots with account value, bitcoin price and more

Questions?

Well, we've got answers. Can’t find the answer you’re looking for? Please visit our FAQ page
Who is eligible to open an Alto CryptoIRA®?
Currently, any United States resident who is 18 years or older can open an Alto CryptoIRA.
Why buy and sell crypto in an IRA?
An IRA offers unique tax benefits that make retirement capital an exciting funding method for investments into alternative assets.

Investing in alternatives with an Alto self-directed IRA means you can legally minimize and potentially even eliminate taxes altogether. In Traditional and SEP IRAs, taxes are typically deferred on gains until withdrawal. When investing with a Roth IRA, qualified withdrawals are generally tax-free (subject to IRS rules).

Investing with a self-directed crypto IRA also gives you access to capital that is otherwise locked away until later in life. This means you can strategically align the long term time horizon of capital earmarked for retirement and alternative assets that have longer than typical commitment periods – an investing match made in duration heaven.

Additionally, unlike when you trade crypto outside a tax-advantaged account, doing so within an IRA allows you to avoid the often-tedious process of reporting trades on your taxes each year.
What does investing in cryptocurrency with an Alto Crypto IRA® cost?
Alto prioritizes simple, transparent pricing that we hope makes investing in alternatives feel approachable and affordable.

The Alto Crypto IRA® charges a 1% trade fee on the USD amount of any buy and sell order of cryptocurrency.Applicable Service Fees apply.

For more detailed information, please visit altoira.com/pricing.