Bitcoin IRA

What Bitcoin IRA does

BitcoinIRA (legal entity Alternative IRA Services, LLC) is a US-only self-directed crypto retirement platform founded in 2016 that enables individuals to hold and trade cryptocurrencies inside tax-advantaged retirement accounts — Traditional, Roth, SEP, and SIMPLE IRAs, plus Crypto 401(k) rollovers. The platform supports 100+ cryptocurrencies with 24/7 trading through a web interface and iOS/Android mobile apps, and has served over 200,000 American customers according to its own marketing. The architecture is built on multi-signature cold storage custody via an exclusive partnership with BitGo, vertically integrated trust services through its wholly-owned Digital Trust LLC (a Nevada-chartered trust company), and SOC 2 Type 1-certified security infrastructure with up to $250M in custody insurance. Recent product additions include staking for ADA, ETH, SOL, DOT, and SUI (launched 2025) and themed Crypto Bundles with automated rebalancing (launched April 2026).

The business model is built on two revenue streams: a 2% fee on each buy and sell transaction, and a 0.08% monthly account fee on assets under custody (subject to a $20/month minimum). Account setup is free. Distribution combines a self-serve digital funnel (3-minute account opening, mobile-first) with inside-sales support from dedicated IRA specialists available by phone and email for rollovers and complex transactions. The customer base is almost entirely individual retail investors — primarily US retirement savers seeking crypto diversification, with a secondary segment of self-employed and small-business owners using SEP/SIMPLE structures. The company is privately held, founder-led (CEO Camilo Concha, CMO Johannes Haze, CRO Chris Kline), and discloses no institutional funding rounds.

Name

Bitcoin IRA

Legal name

Alternative IRA Services, LLC

Website

https://bitcoinira.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

BitcoinIRA is a US self-directed crypto retirement platform founded in 2016 that lets individual investors buy, sell, and stake 100+ cryptocurrencies inside tax-advantaged IRAs, serving 200,000+ customers via web, mobile, and inside-sales support.

Ownership category

akta.pro rank

Product category

Self-Directed Crypto Retirement Accounts

NAICS

Funds, Trusts, and Other Financial Vehicles (525), Trusts, Estates, and Agency Accounts (525920)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199)

akta.pro primary industry

Treasury Management & Corporate Crypto Yield Programs (FSADAHAL)

akta.pro secondary industries

Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), B2B Crypto Payouts, Mass Payments & Treasury Disbursements (FSADAIAF)

Keywords

• Crypto retirement accounts
• Self-directed IRA
• Cryptocurrency trading platform
• Digital asset custody
• Tax-advantaged crypto investing

Headquarters

HQ city

Las Vegas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure, Others

Revenue model

1. Trading Fees: A 2% fee charged on each buy and sell transaction within the IRA account. This fee supports transaction processing, order execution, and platform liquidity.
2. Monthly Account Fee: Monthly account fee of 0.08% based on total assets held (minimum $20/month). Supports account administration, secure custody, platform operations, and ongoing account services.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

BitcoinIRA operates a self-directed crypto IRA platform that enables individual US investors to fund, hold, and trade 100+ cryptocurrencies within tax-advantaged retirement accounts (Traditional, Roth, SEP, SIMPLE IRAs and 401(k) rollovers). The platform combines 24/7 trading via web and mobile applications with institutional-grade multi-signature cold storage custody, automated portfolio rebalancing through Crypto Bundles, and integrated staking for eligible assets. Complementary services include 401(k)/403(b)/TSP rollover assistance, live IRA specialist support, and account administration through its subsidiary Digital Trust LLC.

Product overview

BitcoinIRA operates as a comprehensive crypto retirement platform offering a modular architecture of IRA products. The core offering is the Crypto IRA and Self-Directed IRA platform, which serves as the foundation. Built upon this are specialized IRA account types including Bitcoin Roth IRA, Traditional IRA, SEP IRA, and SIMPLE IRA variants, plus Crypto 401k for employer-sponsored plans. Value-added services include Staking (for ADA, ETH, SOL, DOT, SUI) and Crypto Bundles with automated portfolio rebalancing across themes like Blue Chip, Tokenized Economy, AI On Chain, Privacy & Security, and DeFi. All account types are accessible via a unified mobile app for iOS and Android. The platform supports 100+ cryptocurrencies with 24/7 trading and integrates BitGo and Digital Trust for custody and security infrastructure.

Differentiator

Problem solved

Functional benefit

Products and services

• Crypto IRA Primary self-directed IRA platform enabling users to invest in digital assets like Bitcoin and Ethereum within tax-advantaged retirement accounts with 24/7 trading access.
• Self-Directed IRA Retirement account giving users full control over investment decisions, enabling holdings of alternative assets including cryptocurrencies alongside traditional investments.
• Bitcoin Roth IRA Roth IRA structure allowing after-tax contributions with tax-free growth and qualified withdrawals, including any gains on cryptocurrency holdings.
• Bitcoin Traditional IRA Traditional IRA enabling tax-deductible contributions with tax-deferred growth on cryptocurrency investments until withdrawal.
• Bitcoin SEP IRA Simplified Employee Pension IRA for self-employed individuals and small business owners to invest in Bitcoin and crypto within higher contribution limits.
• Bitcoin SIMPLE IRA Savings Incentive Match Plan for Employees IRA designed for small businesses to offer employee retirement benefits with crypto investment options.
• Crypto 401k Allows rolling over or holding cryptocurrency within employer-sponsored 401(k) retirement plans.
• Staking Cryptocurrency staking service allowing users to earn rewards by delegating eligible assets (ADA, ETH, SOL, DOT, SUI) to network validators while maintaining IRA tax advantages.
• Crypto Bundles Diversified portfolio bundles with automatic rebalancing, including Blue Chip, Tokenized Economy, AI On Chain, Privacy & Security, and DeFi themed collections.
• Bitcoin IRA Mobile App iOS and Android mobile application enabling 24/7 cryptocurrency trading in self-directed crypto IRAs with enhanced security features.

Quantifiable outcome

• Up to $250M custody insurance protecting client assets against loss, theft, and misuse
• +2 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• BitGocoreTechnology or IntegrationExclusive partnership with BitGo, the world's largest processor of Bitcoin transactions, for multi-signature wallet custody. BitGo provides military-grade, multi-key cold storage with geographic key distribution. This is the primary custody infrastructure for all client digital assets.
• Digital Trust LLCcoreTechnology or IntegrationRegulated Nevada-chartered trust company providing custodial services for retirement assets. Operates under the same parent organization as BitcoinIRA, creating a vertically integrated custody model that reduces operational risks. Handles IRA compliance, asset custody, and regulatory oversight.

Scale indicators6 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• iTrustCapital: iTrustCapital is a self-directed IRA platform that lets investors buy, sell, and exchange cryptocurrencies and precious metals inside tax-advantaged accounts — the closest direct competitor to BitcoinIRA in product, customer base, and fee structure.
• Alto: Alto (formerly Alto Crypto IRA) is a self-directed IRA platform offering access to cryptocurrencies and alternative investments within retirement accounts, targeting the same individual retirement investor segment as BitcoinIRA.
• Rocket Dollar: Rocket Dollar offers self-directed IRA and Solo 401(k) accounts with crypto and alternative-asset investing, competing directly with BitcoinIRA in the tax-advantaged digital asset retirement space.
• Coin IRA: Coin IRA is a crypto retirement platform enabling investors to hold Bitcoin, Ethereum, and other digital assets inside self-directed IRAs — directly competing with BitcoinIRA for the same retail retirement customer.
• Strata Trust Company: Strata Trust is a self-directed IRA custodian that supports cryptocurrency and alternative-asset investing, frequently appearing alongside BitcoinIRA in comparison lists for crypto retirement accounts.
• Kingdom Trust: Kingdom Trust is a qualified custodian offering self-directed IRAs with cryptocurrency and alternative-asset support, frequently compared with BitcoinIRA's vertically integrated Digital Trust for custody and IRA administration.

Emerging players

• Robinhood: Robinhood has launched crypto retirement accounts (IRA/Roth IRA) for retail investors at near-zero trading fees, representing an emerging low-cost competitor that overlaps directly with BitcoinIRA's customer segment.

Broad incumbents

• Fidelity Investments: Fidelity is a broad incumbent retirement provider that now permits Bitcoin in 401(k) accounts and offers crypto trading in retail brokerage — competing with BitcoinIRA through scale, brand, and lower fees.
• Charles Schwab: Schwab is a broad incumbent brokerage and retirement custodian; while not a crypto-native specialist, it represents the low-cost incumbent alternative that could absorb crypto retirement share if it expands digital asset offerings in IRAs.
• Equity Trust Company: Equity Trust is a long-established self-directed IRA custodian offering crypto among many alternative assets. It serves the same customer need but as a broader alternative-asset custodian rather than a crypto-specialist platform.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Bitcoin_IRA
• YouTubeyoutube.com/c/BitcoinIRA
• Facebookfacebook.com/BitcoinIRA
• LinkedInlinkedin.com/company/bitcoinira
• Instagraminstagram.com/bitcoiniraofficial

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bitcoin IRA