Best bitcoin IRA services
Five bitcoin IRAs are widely available, and the structural differentiator is key control. Only Unchained's IRA has the client hold 2 of 3 multisig keys directly. Bitcoin IRA, iTrustCapital, Swan, and Onramp all use a third-party custodian (BitGo, Equity Trust, Coinbase Custody, or Fireblocks) that holds 100% of the keys. Fee structures range from no annual fee at iTrustCapital to $250–$3,000+ per year elsewhere, with per-trade fees layered on top.
| Feature | Unchained | Bitcoin IRA | iTrustCapital | Onramp | Swan Bitcoin |
|---|---|---|---|---|---|
| Client holds keys (2-of-3 multisig) | ✓ | ‒ | ‒ | ‒ | ‒ |
| Bitcoin-only IRA | ✓ | ‒ | ‒ | ✓ | ✓ |
| Traditional / Roth / SEP supported | ✓ | ✓ | ✓ | ✓ | ✓ |
| In-kind distribution at retirement | ✓ | ◐ | ✓ | ◐ | ◐ |
| Flat annual fee (not AUM-based) | ✓ | ‒ | ✓ | ‒ | ‒ |
| Available in all 50 states | ✓ | ◐ | ‒ | ✓ | ◐ |
| Custody insurance coverage | ‒ | ✓ | ◐ | ✓ | ◐ |
✓Yes · ◐Partial / depends on configuration · ‒ No
About this guide
These comparisons are maintained by Unchained. We have tried to represent every service accurately and fairly, and where another service does something well that Unchained does not, we say so. Unchained appears as the reference point throughout because every page is built around a single question: how does this service differ from Unchained? That framing is why Unchained is more prominently featured, not because we consider it the default right answer for every reader.