By Crypto IRA, we refer to an Individual Retirement Account (Traditional or Roth, depending on their tax-advantaged retirement structures) in which you can hold and manage crypto tokens.

On Crypto.com, you can open a Traditional or Roth IRA and use it to buy, sell, and manage supported digital assets, subject to IRS rules and eligibility.

You can hold Bitcoin, Ethereum, and 400+ supported crypto tokens in your Crypto IRA.

Availability may vary by asset and program terms. Supported tokens can be bought, sold, staked (where available), and tracked directly in the Crypto.com App.

Crypto IRAs are subject to the same risks as holding crypto outside an IRA, including price volatility, market fluctuations, and potential loss of value.

Tax treatment, rewards, and program features may change based on IRS guidance and Crypto.com terms. A Crypto IRA does not eliminate market risk.

Eligibility, contribution limits, tax treatment, and withdrawal rules depend on IRS regulations and personal circumstances.

Crypto.com does not provide tax or financial advice. Users should consider their own situation or consult a qualified professional.

With a Traditional IRA, taxes are paid when you withdraw. With a Roth IRA, withdrawals are usually tax-free because contributions are not tax deductible. Staking rewards are taxed in the year you earn them.

Tax outcomes depend on IRS rules and individual circumstances.

Rollover timelines vary by external provider and method.

Direct rollovers often process faster than indirect rollovers, but Crypto.com does not control external processing times. You can track progress in the app once initiated.

Eligible contributions, transfers, and rollovers may qualify for a Crypto IRA match, paid in US dollars.

• Match rates vary by funding method and Level Up tier
• Rollovers and transfers may qualify for a 1% match
• Rewards are subject to a four-year holding period and program terms 
• Rewards are not guaranteed and may change

Yes, you can withdraw from your IRA before retirement, but early withdrawals may be subject to taxes and a 10% IRS penalty, depending on your IRA type and age. Some exceptions, like first-time home purchase, education, or medical expenses, may allow penalty-free withdrawals.

Crypto.com does not provide tax or financial advice. Users should consider their own situation or consult a qualified professional.

Some supported tokens in your Crypto IRA may be eligible to be staked as part of confirming transactions on the underlying blockchain network, or for lockup opportunities that generate rewards.

Staking and lockups have defined terms, holding periods, and reward conditions, which may change. Staked or locked assets may not be immediately available for withdrawal or transfer. Staking is not available in all jurisdictions. See the terms and conditions.

Crypto.com supports Traditional IRA and Roth IRA accounts. Traditional IRAs offer tax-deferred growth with potential deductions today, while Roth IRAs use after-tax contributions and can provide tax-free withdrawals in retirement. Both have specific eligibility rules and contribution limits.

If you withdraw or transfer funds before the 4-year holding period ends, a Match Reversal Fee may apply. The fee is proportional to the amount withdrawn and only applies if your balance drops below your protected amount (deposit + match). Market losses alone won’t trigger a fee.

You can track balances, holdings, transaction history, and market prices directly in the Crypto.com App.

Real-time charts, price alerts, and account summaries help you monitor your IRAs on a unified dashboard.