If one institution is compromised
Your bitcoin doesn't move. Two keys are required. A breach, or even a collapse, at any single institution cannot result in loss.
Bitcoin IRA
Your retirement is a 30-year commitment. Is your custody built to last that long?
Bitcoin IRA providers store your bitcoin with a single custodian. Over a 10, 20, or 30-year retirement horizon, you're relying on one company to never fail, never get breached, and never change terms. Onramp is the first Bitcoin IRA where no single company can access, move, or lose your bitcoin.
We'll review your current retirement setup, walk through the custody differences that matter over decades, and help you decide what makes sense — whether you end up working with us or not.
The Real Risk
You're comparing fees. You should be comparing survival.
When most people shop for a Bitcoin IRA, they compare trading fees, monthly costs, and user interfaces. Those things matter. But they're not the thing that determines whether your bitcoin is still there when you retire.
Every major Bitcoin IRA provider — iTrustCapital, Bitcoin IRA, Swan, Alto — stores your bitcoin with a single custodian. One institution holds the keys. One institution controls access. If that institution is breached, fails, or is acquired by a company with different priorities, your retirement account is exposed.
For a retirement account you're holding for 20 or 30 years, the probability that any single institution experiences a significant disruption approaches certainty. Not because they're bad companies — because no company is immune to that much time.
This is the question nobody asks when opening a Bitcoin IRA: can this custody model survive longer than I need it to?
The Architecture
Three custodians. Multiple jurisdictions. No single point of failure.
Onramp secures your Bitcoin IRA with multi-institution custody. Three independent institutions — Onramp, BitGo, and CoinCover — each manage one institutional-grade private key in a 2-of-3 multisignature vault. Any transaction requires two of the three to authorize.
If one institution fails entirely
The remaining two institutions coordinate recovery. Your bitcoin is not dependent on the survival of any one company.
If Onramp itself goes away
Your bitcoin is still secured by the remaining key holders. This is how the architecture is designed to operate.
Focus
One asset. Everything built for it.
Most Bitcoin IRA providers also support dozens — sometimes 90+ — other cryptocurrencies. That means their custody infrastructure, compliance frameworks, insurance policies, and engineering teams are spread across assets with fundamentally different technical requirements.
Onramp does one thing: bitcoin. Every security protocol, every custody process, every inheritance workflow, every insurance policy is purpose-built for bitcoin and nothing else. There's no team splitting time between Dogecoin compliance and your retirement security.
Transparency
Segregated, client-titled wallets — not a pool.
Most Bitcoin IRA providers custody your bitcoin in pooled wallets. Your bitcoin and hundreds of other clients' bitcoin sit in the same wallet, managed by a single custodian. You see a balance on a dashboard. You have no way to independently verify that your bitcoin actually exists.
At Onramp, every IRA client has their own segregated wallet, titled to their IRA. Only your bitcoin sits in your wallet. It's not pooled with anyone else's. It's not commingled with Onramp's operational funds.
You can verify your holdings 24/7 using a block explorer — independently, off-platform, without relying on Onramp's dashboard. Every wallet is insured through Lloyd's of London.
Included in Every IRA
Real infrastructure, not a thin wrapper
- Your bitcoin secured across three independent institutions — no single company can lose it
- Lloyd's of London insurance on every account — up to $100M per incident
- Onramp Guardian enhanced security protection against digital and physical threats
- Beneficiary designations and guided transfers for your family. No keys required.
- Segregated, client-titled wallets with on-chain verification
- Heritage IRA handles all tax reporting, RMDs, and IRS compliance
- 0.65% trading rate — lower than iTrustCapital, Bitcoin IRA, and most competitors
- Direct relationship with a member of our team — not a chatbot
How It Works
Direct bitcoin ownership in a tax-advantaged account.
This is not an ETF. You own actual bitcoin in your own segregated wallet, secured across three independent custodians. Heritage IRA handles all tax reporting, RMD tracking, and IRS compliance.
Account types supported: Traditional IRA, Roth IRA, SEP IRA, Solo 401(k).
Funding options: Transfer from an existing IRA, rollover from a 401(k) or 403(b), Roth conversion, new USD contribution, or direct bitcoin deposit (in-kind).
Pricing: IRA-only account $100/month. Or add your IRA to a Core account ($250/month) which includes your taxable custody vault alongside your IRA — same three-custodian security, one relationship. Trading at 0.65% on both.
In-kind transfers: If you already hold bitcoin in an IRA at iTrustCapital, Unchained, or Digital Trust, you can transfer your bitcoin directly to Onramp without selling. No taxable event. No gap in market exposure.
Real Math
The hidden costs of Bitcoin custody.
The most expensive Bitcoin IRA is the one that looks cheapest.
Most Bitcoin IRA providers advertise $0 monthly fees. What they don't emphasize is the 1% trading fee on every purchase. On a $500K rollover, that's $5,000 on day one. Every additional contribution costs 1% more. Over years of adding to your retirement account, the trading fees dwarf what you would have paid in custody fees.
The $0 monthly fee isn't free. It's subsidized by trading fees that compound against you every time you allocate more bitcoin to your retirement. And you're not getting charged for custody because the custody isn't differentiated. It's a single custodian with a single point of failure that could compromise your entire retirement.
There are IRA models built differently. 0.65% trading, roughly a third less than most providers, with a flat $100/month that doesn't grow as your bitcoin appreciates. And you'll rest assured knowing that three independent custodians are protecting your bitcoin retirement account. Segregated, client-titled wallets you can verify on-chain. Lloyd's of London insurance up to $100M per incident. Inheritance planning built in. Heritage IRA handling all tax reporting and IRS compliance.
If you're comparing Bitcoin IRAs, compare total cost over 10 years, not the monthly line item.
From Our Clients
Trusted by bitcoin investors like you
1,000+ clients trust Onramp with over $1 billion in bitcoin. Our IRA clients include long-term investors who choose multi-institution security for the accounts they plan to hold for decades.
Why Onramp
Built to outlast any single company.
1,000+Clients across 50 states
$1B+In bitcoin secured
$100MLloyd's of London insured
MultipleInstitutions and jurisdictions
IRSCompliant via Heritage IRA
Your retirement account deserves more than a single custodian.
Book a free IRA assessment. We'll walk through your current setup, explain how three-custodian security works inside an IRA, and help you decide whether it makes sense. No pressure. No sales pitch.
Whether you end up working with us or not, you'll leave with a clear understanding of what your current custody model does and doesn't protect against over a multi-decade horizon.