Where to Put Your Crypto (Besides an Exchange)
From Bitcoin IRAs to crypto-backed mortgages — here's where the traditional financial world is finally opening up.
Crypto IRAs
Roll your 401k or IRA into one of these platforms and buy crypto inside a tax-advantaged account.
iTrustCapital
Best ValueAssets: 30+ cryptos + gold & silver
Best value — lowest fees of any crypto IRA
- +Lowest trading fees in the category
- +No setup or annual fees
- +Gold and silver included alongside crypto
- −Fewer altcoins than Alto or Bitcoin IRA
- −No staking yield inside the account
Alto IRA (CryptoIRA)
Most AssetsAssets: 250+ cryptos + alternatives
Broadest asset variety — also supports private equity, real estate
- +250+ cryptocurrencies — widest selection
- +Invests in alternatives beyond just crypto
- +Coinbase-powered trading
- −Monthly fee adds up if account is small
- −More complex to navigate than iTrustCapital
Bitcoin IRA
Beginner-FriendlyAssets: BTC, ETH, and major coins
Beginners who want hand-holding and don't mind paying for it
- +Established brand with strong customer support
- +24/7 trading
- +Good for first-time self-directed IRA holders
- −Higher fees than iTrustCapital
- −Limited coin selection
- −Setup fees are avoidable elsewhere
Equity Trust
EstablishedAssets: Broad alternative assets + crypto
Experienced SDIRA investors adding crypto to existing alternative portfolios
- +Established SDIRA custodian since 1983
- +Holds crypto alongside real estate, private equity, notes
- +Trusted by large accounts
- −Fees scale up for larger accounts
- −Less streamlined than purpose-built crypto IRA platforms
- −Customer service can be slower
Crypto-Backed Loans
Borrow against your crypto without selling it — no capital gains tax event, keep your upside.
Ledn
Most transparent and trusted crypto lender
Published Proof of Reserves twice yearly. Industry-leading transparency after the BlockFi/Celsius collapses.
Learn More →Nexo
Higher LTV and also has an exchange
One of the few large crypto lenders that survived the 2022 bear market without freezing withdrawals.
Learn More →Milo
Crypto-backed mortgages in the US
The first platform purpose-built for crypto-backed home loans. US-regulated and compliant.
Learn More →Unchained Capital
Bitcoin holders who want multisig-secured loans
Uses collaborative multisig custody — you hold 1 of 3 keys. Never fully custodial.
Learn More →Crypto-Friendly Banks
These banks won't freeze your account for buying crypto.
Ally Bank
Easy crypto exchange linking, widely recommended by the crypto community for traditional banking alongside crypto accounts.
Mercury
Popular with crypto businesses and startups. Won't close your account for crypto-related activity. API-friendly.
Revolut
AffiliateBuy, hold, and exchange 30+ cryptos directly in-app. Includes crypto savings vaults and automatic recurring buys.
Affiliate program →Cash App
Buy and hold BTC natively. Supports Lightning Network for near-instant BTC transfers. No KYC below $1,000.
Juno
Earn yield on cash and crypto together in one account. Built for people who live in both worlds.