Save bitcoin in an IRA and keep control of your keys.
Get tax-advantaged bitcoin savings. No third-party risk and no single points of failure — you hold the keys.
Tax-advantaged bitcoin savings
Combine the inflation resistance of bitcoin with the tax advantages of an IRA. Both Traditional and Roth IRAs are available so that you can choose the best setup to meet your saving goals.
Learn more about the tax advantages of an IRA
Not your keys, not your coins
Most bitcoin IRA providers require that you give up control of your bitcoin. This exposes you to the risk of exchange hacks, frozen accounts, and other third-party risks. With an Unchained IRA, you get peace of mind by holding the keys to your bitcoin.
Video: how the Unchained IRA works
All-in-one bitcoin IRA solution
We help you set up your new IRA, fund it with a rollover or contribution, set up your vault, purchase bitcoin, and put the keys to your funds in your hand. We’re with you every step of the way.
New to bitcoin? No problem.
We’ll walk you through everything at your own pace, including: learning about bitcoin self-custody, best practices keeping your keys safe, legacy planning, and more. Get started with confidence.
What you get with Concierge Onboarding
Flat annual fees
Our fees don’t increase with the value of your account. After a one-time setup fee, pay a flat annual fee instead of a percentage, and see more from your bitcoin in retirement. Learn more about our fees.
$995
One-time setup fee
Includes the first year of IRA account fees.
Optional Additions$250
Concierge Onboarding (optional)
1-to-1 guidance to get you started with a multisig vault.
$75
Per hardware wallet (optional)
You’ll need two, but you can use your own if you have them.
$250
IRA account fee
Ongoing fees per IRA account, starting year two.
0.5%
Bitcoin conversion fee
Applies to each U.S. dollar transfer, rollover, and contribution.
Available in US only. $6,000 minimum for each USD rollover or annual contribution. You are not required to make a rollover or contribution in any given year.
Clients trust us because they don’t have to
With an Unchained IRA, you secure your bitcoin. Our role is to provide you with guidance, support, and key recovery if and when you need it.
5.0 on Google ReviewsFrequently-asked questions
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If you’re motivated to go through the IRA onboarding as quickly as possible, it typically takes two weeks from the point of registration for bitcoin to land in your IRA vault. That timeline is contingent, however, on prompt responses from yourself and your current custodian processing your transfer request in a timely manner.
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The most common way to fund an Unchained IRA is by transferring tax-advantaged funds from an existing traditional retirement account, such as another IRA or a 401k from a former employer. You can also fund your Unchained IRA through an annual contribution in USD.
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Unfortunately, you cannot make bitcoin contributions to an IRA, as per IRS guidelines. The Unchained IRA must be funded in USD.
The only exception to that rule is if you already have a bitcoin IRA with another provider, and would like to transfer that IRA bitcoin into an Unchained IRA. In this scenario, it is possible to process an “in-kind transfer” into your Unchained IRA, as long as your current provider supports bitcoin withdrawals.
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Any USD rollover, transfer, or annual contribution sent to your Unchained IRA is converted into bitcoin through our trading desk. Once the funds have settled at Solera National Bank (our financial services partner), Solera will convert your tax-advantaged USD into BTC through the Unchained trading desk the following business day, and that bitcoin will be subsequently deposited into your IRA vault. The USD is converted into BTC at prevailing market rates, and Unchained charges a fee of 0.50%.
Following the purchase, you will receive a trade summary from our team, and the bitcoin will be deposited into your IRA vault within two business days. -
Only the 0.5% bitcoin conversion fee is paid with funds from your retirement account. The other fees must be covered separately. Below is a fee breakdown for the Unchained IRA:
Fee Paid from Setup fee $995 Personal account Annual IRA account fee $250 Personal account Concierge Onboarding (optional) $250 Personal account Hardware wallets (optional) $75 Personal account Trading fee 0.5% Retirement account -
No, the Unchained IRA is not a checkbook IRA. It is a standard IRA account (we support Traditional, Roth, SEP, and Inherited IRAs) that is set up through Solera National Bank, our IRA financial services partner. Unlike other bitcoin IRA providers, we have intentionally avoided using a checkbook IRA model due to the recent ruling in the McNulty case, which called into question the tax advantages of checkbook IRAs.
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Each Unchained IRA you set up will require a separate setup fee and account fee. For example, if you set up three IRAs, the total amount due at the point of order would be ($745 IRA account setup + first year of $250 annual account fee) * 3 = $2,985, and each subsequent year you would pay $750 ($250 annual account fee * 3) in account fees.
Concierge Onboarding fees only need to be paid once—we’ll guide you through setting up multiple vaults, and two hardware wallets can be used to secure as many vaults as you need.
Learn about bitcoin IRAs
Our retirement and inheritance team host monthly webinars to explain the basics of how bitcoin IRAs work and cover your questions. If you can’t make the next session, don’t worry, we have replays available on demand!
