Tax-free* cryptocurrency trading

Buy, sell, and trade more than 200 cryptocurrencies with your Alto CryptoIRA® through our integration with Coinbase.

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*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.
**As of March 29th, 2024

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SELF-DIRECTED CRYPTO

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

Invest in 200+ cryptocurrencies
Choose from one of the largest selections of any crypto IRA, via our integration with Coinbase.
Avoid capital gains
Avoid capital gains, plus get other tax benefits offered by traditional, Roth, and SEP IRAs.
Trade from anywhere
Use our mobile app to buy and sell crypto whenever, wherever, with 24/7, real-time trading.
Place market and limit orders
Place market orders at current prices or set a future price to buy or sell using limit orders.
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.
Spend on your investments, not fees
Invest in cryptocurrency without the hidden fees and high minimums.
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Never pay taxes with a Roth CryptoIRA*

Consider diversifying your portfolio with cryptocurrency in a Roth CryptoIRA. A Roth CryptoIRA is funded with after-tax dollars, meaning you can shelter your gains from taxes when you take a distribution from your account.
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.
Tax-free withdrawals
Qualified withdrawals from a Roth IRA are free from federal and state income taxes.
No RMDs
No Required Minimum Distributions.
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200+ cryptocurrencies through the power of Coinbase

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Aptos

APT

Arbitrum

ARB

Arcblock

ABT

Assemble Protocol

ASM

Audius

AUDIO

Aurora

AURORA

Avalanche

AVAX

Aventus

AVT

Axelar

AXL

Axelar

WAXL

Axie Infinity

AXS

Badger DAO

BADGER

Balancer

BAL

Bancor

BNT

Band Protocol

BAND

Basic Attention Token

BAT

Benqi

QI

Biconomy

BICO

Big Time

BIGTIME

BitDAO

BIT

Bitcoin

BTC

Bitcoin Cash

BCH

Blur

BLUR

Bluzelle

BLZ
Trustpilot

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.”

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.”

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.”

The best way to crypto.

It’s time to focus on the future of your wealth.
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Questions?

Well, we've got answers. Can’t find the answer you’re looking for? Please visit our FAQ page
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Who is eligible to open an Alto CryptoIRA®?
Currently, any United States resident (with the exception of anyone located in Hawaii) 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 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 CryptoIRA® cost?
Alto prioritizes simple, transparent pricing that we hope makes investing in alternatives feel approachable and affordable.

The Alto CryptoIRA® 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.

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Alto Solutions, Inc. d/b/a AltoIRA (“Alto”) is an administrator of self-directed individual retirement accounts and is not a registered or licensed broker, dealer, broker-dealer, funding portal, cryptocurrency exchange, investment advisor or investment manager. Neither Alto nor any of its affiliates is an FDIC-insured bank. Banking services provided to Alto are by BankProv (Bank) Member FDIC / Member DIF. The FDIC insures each AltoIRA account holder up to $250,000 based on deposit insurance rules. The Depositors Insurance Fund (DIF) insures all deposits above the FDIC depositor limit when placed with BankProv. Crypto assets are not insured by the FDIC, may lose value, are not deposits or other obligations of the Bank, and are not guaranteed by the Bank. Alto does not control or monitor the operation or conduct of the Bank or any third- party investment platforms, funds, cryptocurrency exchanges or issuers, or their offerings. Information provided by Alto does not constitute an offer, nor the solicitation of an offer to buy or subscribe to, any securities to any person in any jurisdiction. Whenever making an investment decision, investors should consult with their tax attorney or financial professional. Investors are responsible for conducting their own due diligence regarding investments, for using their Alto accounts in compliance with law, and for all tax and other risks and obligations arising from account transactions.

Alto Trust Co. is a wholly-owned subsidiary of Alto, a state chartered trust company regulated by the Financial Institutions Division of the State of New Mexico and a “bank” as defined under the US Treasury Department’s Financial Crimes Enforcement Network (FinCEN) money service business regulations, 31 CFR 1010.100(d) Alto Trust Co. serves as a qualified IRA custodian under Section 408 of the Internal Revenue Code. Neither Alto nor Alto Trust Co. is a digital asset wallet or exchange. The Alto platform facilitates the self-directed purchase and sale of cryptocurrencies on the Coinbase exchange. All cryptocurrency transactions are settled at Coinbase and all digital assets in Alto IRAs are maintained in institutional custodial wallets at Coinbase for the benefit of AltoIRA account holders. Custody provided by Coinbase Custody Trust Company, LLC, New York, regulated by the New York Department of Financial Services. Coinbase holds money transmitter licenses throughout the United States. For further information see NMLS.

Alto®, The Alternative IRA®, the Alto logo and Alto CryptoIRA® are trademarks of AltoIRA.
All other trademarks are the properties of their respective owners.