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Which Crypto IRA Should I Choose? Compare Bitcoin IRA, CoinIRA & ITrust Capital

May 17, 2025

Considering diversifying your retirement portfolio with some crypto assets? We pick the brains of Defi experts CosmosUPS for their top tips on the best Crypto IRA platforms!

If you’re new to crypto investing, it’s natural to feel daunted by some of the big decisions you have to make, especially if your retirement savings are at stake.

A crypto-backed retirement plan doesn’t have to be guesswork. Specialist websites like CosmosUPS offer news, reviews, and insights on all things DeFi to help you make smart choices that align with your goals.

What Exactly Is A Crypto IRA?

Crypto IRAs combine the structure of a traditional individual retirement account with the ability to invest in digital currencies. These investment vehicles are gaining popularity as savers search for assets that hold value independently of the traditional stock market.

I Want An Ultra-Secure Provider

BitIRA is one of the most secure options available, with its multi-factor authentication making it difficult for criminals to access your holdings. Your assets are held in cold storage with end-to-end encryption to prevent fraudulent withdrawals. The platform, which supports over 15 digital currencies, including Bitcoin, Ethereum, Litecoin, and Stellar Lumens, works across desktops, browsers, and mobile devices.

CosmosUPS says, “Mobile apps work well for those who don’t trust themselves to safeguard their passwords properly. They generate random codes every time you log in. If someone tries to get your login credentials, they’ll never be able to gain access to your account.”

I Want Some Guidance On My Crypto Investment Choices

CosmosUPS recommends CoinIRA as the most reliable option for expert assistance. There is support for beginners, but the platform excels at helping experienced investors with its team of consultants who can offer advice and answer questions on currencies, market trends, and investment strategies.

Are There Low-Fee Options?

Yes, iTrustCapital, for example, is renowned for its affordable fee structure. This provider doesn’t charge monthly maintenance fees and offers you a low 1% trading commission on over 25 supported cryptocurrencies.

Savers are also drawn to iTrustCapital’s robust insurance provision. According to CosmosUPS, “With $320 million of insurance protection provided by Coinbase Custody, there is no reason to worry about losing your money if your crypto wallet is compromised.”

Best Overall?

BitcoinIRA secures the number one spot as the best overall DeFi IRA provider. This platform, which is regulated by FINRA, supports over 20 cryptocurrencies and stablecoins such as USDT and Tether and offers transaction insurance for up to $100 million per customer.

Read the CosmosUPS recommendations in full today.

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