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.

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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

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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.
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Trade from anywhere
Use our mobile app to buy and sell crypto whenever, wherever, with 24/7, real-time trading.
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Place market and limit orders
Place market orders at current prices or set a future price to buy or sell using limit orders.
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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.
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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 Crypto IRA is funded with after-tax dollars, meaning you can shelter your gains from taxes when you take a distribution from your account.
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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.
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Tax-free withdrawals
Qualified withdrawals from a Roth IRA are free from federal and state income taxes.
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No RMDs
No Required Minimum Distributions.
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Bitcoin, Ethereum, Solana, Crypto, Crypto IRA, ALTOIRA
Alto and coinbase logo lockup

250+ cryptocurrencies through the power of Coinbase

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DEXTools

DEXTools

DEXT
DIA

DIA

DIA
DIMO

DIMO

DIMO
Dai

Dai

DAI
Dash

Dash

DASH
Decentraland

Decentraland

MANA
Dogecoin

Dogecoin

DOGE
EOS

EOS

EOS
EURO Coin

EURO Coin

EUROC
Echelon Prime

Echelon Prime

PRIME
Elastos

Elastos

ELA
Enjin Coin

Enjin Coin

ENJ
Enzyme

Enzyme

MLN
Ethereum

Ethereum

ETH
Ethereum Classic

Ethereum Classic

ETC
Ethereum Name Service

Ethereum Name Service

ENS
Ethernity Chain

Ethernity Chain

ERN
Filecoin

Filecoin

FIL
Flare

Flare

FLR
Flow

Flow

FLOW
Forta

Forta

FORT
Function X

Function X

FX
GYEN

GYEN

GYEN
Gemini Dollar

Gemini Dollar

GUSD

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.