Self-Directed IRA Cryptocurrency
Gain exposure to the future of finance inside a tax-advantaged retirement plan.
A self-directed IRA for cryptocurrency, commonly known as a crypto IRA, lets investors use their retirement funds to buy and hold digital assets such as Bitcoin, Ethereum, and Litecoin.
By combining the flexibility of a self-directed IRA with the high-growth potential of cryptocurrency and the tax advantages of a Traditional or Roth account, a crypto IRA offers a powerful way to diversify and build long-term wealth.
Horizon Trust partners with iTrustCapital, named the Best Crypto IRA Investment Platform USA, to help investors exchange and hold cryptocurrency securely.
As your custodian, Horizon Trust will help maintain compliance with current and emerging IRS regulations surrounding cryptocurrencies within a self-directed plan.
Investors can hold cryptocurrency inside a Self-Directed Traditional or Roth IRA, SEP IRA, Solo 401(k), or SIMPLE IRA.
Why Invest in Cryptocurrency with a Self-Directed IRA?
- High-Growth Potential: Digital assets have shown historic long-term growth, offering higher upside than many traditional investments.
- Portfolio Diversification:Crypto operates independently from many traditional markets, helping spread risk and broaden exposure.
- Tax Advantages: All crypto gains remain inside your IRA, avoiding capital gains taxes until withdrawal, or tax-free growth within a Roth IRA.
- Secure, Regulated Custody: Your holdings are stored in institutional-grade, insured wallets that comply with IRS and custodial standards.
- Control and Flexibility: Unlock checkbook control inside a self-directed IRA LLC to make cryptocurrency investments when you want.
Invest in Crypto With Structure, Security, and Compliance
With Horizon Trust as your custodian and institutional-grade custody through trusted partners, you can invest in crypto with confidence inside a regulated retirement account.
5-Star Rated Custodian
What Cryptocurrencies Can Be Purchased in a Self-Directed IRA?
When you invest in a crypto IRA with Horizon Trust, you can gain access to 75 different cryptocurrency and precious metal investments, including:
Bitcoin (BTC)
Ethereum (ETH)
Solana (SOL)
XRP
Investors can also explore crypto funds or blockchain startups through private placements inside their self-directed IRA.
Invest in Cryptocurrency with a Self-Directed IRA in 4 Easy Steps
Horizon Trust makes it easy to set up and maintain a crypto IRA.
At Horizon Trust, we believe in turning dreams into reality. Founded by Greg Herlean, who has masterfully managed over $1.3 billion in real estate transactions, our mission is to empower you to take control of your financial destiny using the tax-free advantages of a Self-Directed IRA. Retire wealthy.
Here’s how it works:
STEP 1
Open and Fund Your Account
Open your account and fund it with a transfer, rollover, or contribution.
STEP 2
Sign Up for a Crypto Exchange
Sign up for iTrust Capital’s crypto exchange to start researching opportunities.
STEP 4
Store Securely
Your crypto is held with an institutional-grade wallet provider.
STEP 3
Purchase Digital Assets
Direct Horizon Trust to purchase cryptocurrency on your behalf.
Disclaimer
Horizon Trust Company is an independent passive Custodian and is not associated or affiliated with and does not recommend, promote or advise any specific investment, investment opportunity, investment sponsor, investment company or investment promoter or any agents, employees, representatives or other of such firms or entities. Investments are not FDIC Insured, offer no bank guarantee and may lose value.
Learn About Self-Directed IRA Cryptocurrencies
Key Rules for Cryptocurrency Investing with a Self-Directed IRA
The IRS provides special regulations for cryptocurrency investments that investors must follow to remain compliant:
Your IRA must hold the crypto, not you personally
Private keys are managed through a qualified custodian or institutional wallet.
Your IRA must hold the crypto, not you personally
All trades must be executed through your IRA account
No self-dealing or use of crypto for personal transactions.
Hot Wallets vs. Cold Wallets
Cryptocurrency is held in a digital wallet that must be accessed with special passkeys to prevent hacking. Cryptocurrency wallets are divided into two categories:
- Hot wallets are passkey wallets that are connected to the internet. Most hot wallets are available through crypto exchanges. The biggest downside of a hot wallet is the increased security risk that comes from being connected to the internet.
- Cold wallets are passkey wallets that are not connected to the internet, such as USB wallets. These wallets still require an internet connection to exchange cryptocurrency, but are generally more secure.
Understanding Physical and Digital Wallet
Cryptocurrency wallets can also be divided into three different categories: paper, software, and hardware wallets.
These wallets maintain private keys that allow users to access their investments, but vary in their level of security and ease of use.
Paper Wallet
- Converts private keys to physical form.
- No technical expertise is required, with easy transfers and accessibility.
- Be cautious of potential damage or loss, as physical copies are vulnerable.
Software Wallet
- User-friendly interface for desktop and mobile use.
- Higher cyber threat risk compared to paper wallets.
- Robust backup procedures, including two-factor authentication
Hardware Wallet
- Provides extra security with PIN protection and secure element chips.
- Transaction verifications reduce unauthorized access.
- Higher upfront costs
Your Future, Backed by Our Track Record
Trusted by investors nationwide to take control of their retirement through Self-Directed IRAs.
Helping clients grow and protect wealth across real estate, crypto, and private investments.