The future is yours to hold
Unchained’s Bitcoin IRA is the only IRA that allows you to hold real bitcoin with keys you control.
Bitcoin held for retirement, your way
Pick the tax treatment that fits your goals: both traditional and Roth IRAs are available so you can trade bitcoin with the tax advantages of an IRA.
Retire with bitcoin, the right way
Want a dedicated expert to build your IRA vault, coordinate your transfer, and guide you through choosing the right IRA type? The Retire With Bitcoin suite handles it all.
Both suites include:
- Understanding the basics of individual retirement accounts
- Case studies to help you consider whether you should hold bitcoin in an IRA
- Comparing different bitcoin IRA approaches
Let your garden grow
Seamlessly add bitcoin via annual contributions, rollovers from an employer 401(k), 403(b), TSP, or transfer from another IRA, all routed straight into your cold-storage vault.
Book a personalized consultation
Discover how Unchained simplifies the bitcoin IRA process for you. Get clear answers from our bitcoin experts to your biggest questions about control, security, compliance, and support.
The complete guide to Bitcoin IRAs
Learn all about bitcoin IRAs in this comprehensive 62-pg guide.
- Understanding the basics of individual retirement accounts
- Case studies to help you consider whether you should hold bitcoin in an IRA
- Comparing different bitcoin IRA approaches
Don’t outsource your retirement,
hold your own keys
Yes. You can transfer or roll over most existing retirement accounts, including Traditional IRAs, Roth IRAs, SEP IRAs, and eligible employer plans such as 401(k)s.
Unchained supports multiple retirement account types, including Traditional and Roth IRAs. Clients can also maintain a Solo 401(k) through an Unchained Business account. SEP IRA contributions are supported via Fortis Bank. Additionally, rollovers from eligible employer plans are supported.
Most IRA-to-IRA transfers are completed in about one week, depending on your current custodian. Employer plan rollovers typically take closer to two weeks. If you are making a new contribution, funding timelines are usually faster. ACH transfers typically take 1–3 business days, while wires may settle sooner depending on your bank.
Yes. Your bitcoin is held in multisig cold storage, and you control two of the three private keys. This allows you to independently verify on-chain that your bitcoin remains secure.
Your bitcoin remains secured by the same keys, and Fortis Bank continues to serve as the IRA custodian. You can always transfer your IRA to another provider.
Under current IRS regulations, IRA contributions must be made in U.S. dollars. If you hold personal bitcoin, it must be liquidated into USD before contributing to an IRA to remain compliant. However, clients may transfer existing tax-advantaged bitcoin from another IRA directly into an Unchained IRA through a standard in-kind IRA Transfer request.