Fidelity Launches Fee-Free Crypto IRAs in the U.S.
Key Takeaways
Fidelity Investments has introduced a new investment product in the United States: Crypto IRAs (Individual Retirement Accounts). These accounts allow you to integrate Bitcoin (BTC), Ethereum (ETH), and Litecoin (LTC) into your retirement planning either tax-free or on a tax-deferred basis. The accounts are held by Fidelity Digital Assets and secured in so-called cold wallets. No management fees apply. Roth, traditional, and rollover IRAs are available.
What Is a Crypto IRA?
A Crypto IRA is a retirement account that allows investments in cryptocurrencies. There are three main types:
- Roth IRA: Contributions are made with after-tax income. Gains are tax-free.
- Traditional IRA: Contributions may be tax-deductible. Taxes are paid upon withdrawal.
- Rollover IRA: Allows you to transfer existing retirement accounts into a crypto IRA with tax-deferred treatment.
Fidelity’s offering is available to U.S. residents aged 18 and older in select states.
Technical Implementation and Security
Fidelity Digital Assets is responsible for the custody of the digital assets. The cryptocurrencies are stored in cold wallets — meaning they are kept offline to protect them from hacking attacks. This significantly reduces the risk of loss due to cybercrime.
No Fees – A Benefit for Investors
A key feature of the new Crypto IRAs is the absence of fees. There are no management or transaction fees. This makes the products especially attractive for long-term investors looking to diversify their retirement portfolios.
Market Development: Fidelity Surpasses BlackRock
Fidelity’s entry into the crypto IRA market comes at a time when interest in digital assets for retirement planning is growing. According to a survey by TMX Vetta Fi, 57% of financial advisors plan to increase their crypto allocations — particularly through exchange-traded funds (ETFs).
You should read that too:
-
Asian Slots – The Best Asia-Themed Online Slot GamesReading time: ~ 3 minutes
-
Slot Categories at a Glance
Reading time: ~ 3 minutes
-
Entretenimiento Rojo B.V. Casinos
Reading time: ~ 3 minutes
-
Anime Slots – Anime-Themed Slots
Reading time: ~ 3 minutes
-
Medium Volatility Slots
Reading time: ~ 3 minutes
On April 2, 2025, Fidelity’s Bitcoin ETF (FBTC) recorded inflows of USD 118.8 million — more than BlackRock’s IBIT, which saw outflows of USD 115.9 million. This underscores Fidelity’s growing influence in the crypto sector.
Outlook: More Crypto Products Planned
In addition to IRAs and ETFs, Fidelity is reportedly planning further initiatives in the crypto space. A filing for a Solana ETF has been submitted to the Cboe exchange. Fidelity’s Digital Assets division is also reportedly testing a stablecoin project. However, no specific launch dates have been announced.
Our Assessment
With its new Crypto IRAs, Fidelity offers an intriguing way to integrate digital assets into retirement planning. The combination of tax advantages, fee-free use, and secure custody suggests a well-thought-out product. While the offering is currently only available in the U.S., it signals where the market is headed: cryptocurrencies are increasingly becoming part of traditional financial solutions. For long-term investors, this could be a valuable addition to their portfolios.
Sources
- Farside Investors
- TMX Vetta Fi
| Wagering requirements | 35x bonus |
| 35x free spins winnings | |
| Minimum deposit | €20 |
| Maximum bet | €5 |
| Bonus validity | 30 days to claim |
| 14 days to wager / 7 days for free spins |
- There is no maximum bonus amount.
- 10 Free Spins per day over ten (10) days on Gates of Olympus or Book of Ra Deluxe.
| Wagering requirements | 40x bonus |
| 40x free spins winnings | |
| Minimum deposit | 0.0005 BTC |
| Maximum bet | 0.00004 BTC |
| Bonus validity | 30 days after registration |
| 14 days (1st), 7 days (2nd), 1 day (3rd) |
- To get the bonus, enter the bonus code before the deposit.
- Minimum deposit: 0,07 BCH • 0,4 LTC • 233 DOG • 45 XRP • 0,01 ETH • 20 USDT • 69 ADA • 0,05 BNB • 184 TRX • 20 USDC.
- Maximum bet: 0.007 BCH • 0.0009 ETH • 0.04 LTC • 23 DOGE • 2 USDT • 4 XRP • 18 TRX • 7 ADA • 0.005 BNB • 2 USDC • 2 EUR • 2 USD.
- Free spins are provided in batches of 25 per day.
- Free spins are credited on the Gamebeat slots: Max Miner (1st), Book of Elixir (2nd) and Odin’s Tree (3rd).
| 1st deposit | 120% up to $500 + 100 Free Spins |
| 2nd deposit | 100% up to $300 + 100 Free Spins |
| 3rd deposit | 150% up to $500 + 100 Free Spins |
| 4th deposit | 100% up to $300 + 100 Free Spins |
| Wagering requirements | 45x deposit + bonus |
| 40x free spins winnings | |
| Minimum deposit | $10 (1st) |
| $15 (2nd-4th) | |
| Maximum bet | $5 per round |
| Bonus validity | 30 days to claim, 7 days (1st-4th) |
| 7 days for free spins |
- You must complete the registration and verification process, including a valid email or phone number, to qualify for this bonus.
- You must select the desired bonus during the deposit process.
- There is a maximum withdrawal limit of $10 from winnings derived from free spins.
Advertising transparency