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The most secure way to hold bitcoin in your IRA.

Onramp makes it easy to securely hold bitcoin in a tax-advantaged retirement account. Traditional, Roth, and SEP IRAs are held in Multi-Institution Custody. Three independent institutions protect your bitcoin. No hardware for you to manage, no keys for you to lose, and no single institution that can move your bitcoin or put it at risk alone.

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Administered By Heritage IRA
Secured By Multi-Institution Custody

Onramp now offers IRA accounts, secured by Multi-Institution Custody.

With Multi-Institution Custody, three independent institutions protect your bitcoin. It takes two of three institutions to move your bitcoin, and nothing moves without your permission. This removes single points of failure and aligns with regulatory expectations for retirement accounts.

We've combined our best-in-class Multi-Institution Custody model with the structure of a qualified IRA.

You get unmatched security, compliance, and peace of mind—without managing private keys or wallets yourself.

New to this structure? Our complete guide to Bitcoin IRAs covers the different account types, tax implications, and the tradeoffs to understand before rolling over retirement funds.

Bitcoin IRA Calculator

What the tax wrapper is worth

Compare a taxable account, a Traditional IRA, and a Roth IRA holding the same bitcoin. Set your own assumptions and see how far apart the three end up, whether you spend the position yourself or leave it to heirs.

Open The Bitcoin IRA Calculator

After 20 years, the Roth IRA keeps

+$980k

more than the same bitcoin in a taxable account, on a $100k starting balance at a 20% assumed growth rate.

Taxable account$4.16M
Traditional IRA$4.25M
Roth IRA$5.14M

Run your own numbers →

Illustrative only, using default assumptions you can change in the calculator. Not tax, legal, or investment advice, and not a projection of the returns any Onramp account will achieve.

The Three Wrappers

Same bitcoin, three different tax outcomes

What changes between the columns is not the asset or the growth rate. It is only when, at what rate, and by whom the tax is paid.

Taxable account

Funded with money you have already paid income tax on. Bitcoin grows untaxed while you hold it, then owes capital gains tax on the gain when you sell. At death the basis steps up, so heirs inherit it free of that tax.

Traditional IRA

Funded with pre-tax dollars, so the contribution reduces your taxable income today. Nothing is taxed while it grows, and the whole withdrawal is taxed as ordinary income later. No step-up in basis at death.

Roth IRA

Funded with money you have already paid tax on. Nothing is taxed while it grows, a qualified withdrawal is not taxed, and it passes to heirs free of federal income tax. Income limits apply to direct contributions.

Unique Benefits

Unique benefits of the Bitcoin IRA

Assets are off-exchange, in deep cold storage. No keys are held by the IRA account owner.

IRS compliance, in partnership with a regulated third-party administrator

Gain tax-advantaged bitcoin exposure.

In-Kind transfers and withdrawals

Deposit bitcoin into the vehicle, withdraw bitcoin when ready.

No technical setup or key management

No need to setup or maintain software or hardware devices.

Resilient long-term storage

Ideal for retirement savings that require a robust custody framework for the long term.

Integrated inheritance planning

Seamless setup, ensures assets are directed according to your wishes.

Institutional-grade liquidity and low trade fees

Manage your assets for preservation and growth.

Keyholding Institutions

The institutions behind your custody

Independent institutions with specialized roles, working together to protect your bitcoin. See what each keyholder does.

Onramp Bitcoin

Built and operates Multi-Institution Custody. Onramp is one of the three institutions protecting every account, with billions in client bitcoin secured since 2022.

Learn More →
BitGo

A federally chartered trust bank. BitGo was founded in 2013 and invented bitcoin multisig technology.

Learn More →
CoinCover

UK-based bitcoin custody and insurance specialists, built for recovery and resiliency.

Learn More →
Additional key partners coming soon

Funding Options

We make it easy to fund your account

Get started with a Bitcoin IRA.

Transfer

Move money directly from an existing IRA (Traditional, Roth, SEP, or SIMPLE).

Rollover

Move money from a Qualified Plan, such as an IRA, 401(k) or 403(b), with no taxes or penalties.

Conversion

A taxable movement of assets from a tax deferred account to a tax-free account, for example from a Traditional IRA to a Roth IRA.

Contribute USD

Wire USD to your IRA and buy bitcoin once the funds settle. No existing retirement account required. Annual contribution limits and eligibility rules apply.

Deposit BTC in Kind

Move bitcoin from an existing IRA directly to Onramp without selling it for cash first. Keep your bitcoin exposure throughout the transfer into Multi-Institution Custody.

SEP Employer Contributions

Self-employed or a business owner? Fund a SEP IRA through your business, with potentially higher contribution limits than regular Traditional or Roth IRA contributions.

Pricing

Simple, transparent IRA pricing

Simple, transparent IRA pricing.

Core includes one free IRA account

Clients on Onramp's Core plan receive one IRA account at no additional cost.

No setup fee

Get started without any upfront setup costs.

Under 5 BTC

$100/month or $1,000/year.

Over 5 BTC

Onramp Core pricing applies.

FAQ

Common IRA questions

Multi-institution custody is a new model for securing your Bitcoin IRA.

Who is Onramp's IRA partner?

Onramp's Bitcoin IRA is offered in partnership with Heritage IRA Inc., which handles the IRA's compliance, reporting, and record keeping.

What happens if one of the institutional key partners goes away?

Onramp, BitGo, and CoinCover each secure a key offline in a 2-of-3 multisig, so no single failure can result in a loss. Clients can still access their funds using the other two partners. Onramp also supports key rotation and custodian replacement when necessary. This means clients retain recoverability and resilience even in the rare event that one partner goes away.

Are my IRA assets insured?

Onramp maintains custody insurance through Canopius, a Lloyd's of London syndicate: up to $50M in aggregate coverage across our custody operations. Onramp pays the premium. Eligible clients can elect dedicated cover in their own name. Terms and exclusions apply. Schedule a consultation with Onramp to learn more!

Do I hold a key in this arrangement?

No. You never hold a key, a seed phrase, or a hardware wallet. Three independent institutions protect your bitcoin, and it takes two of three institutions to move it. Clients retain legal title, maintain on-chain visibility, and benefit from a custody structure designed for resilience. This arrangement may feel unfamiliar to investors who have experience managing self-custody, but this model eliminates single-point-of-failure risk.

Can I set up an Inheritance Plan for this IRA account?

Yes. You can designate your beneficiaries upfront in your account, ensuring your inheritance plan is clear and secure.

Do you pay capital gains tax on bitcoin held in an IRA?

As a general rule, buying and selling bitcoin inside an IRA does not trigger capital gains tax in the year of the trade. A Traditional IRA is instead taxed as ordinary income when funds are withdrawn, and a qualified Roth IRA withdrawal is generally not taxed. In a taxable account, by contrast, selling bitcoin at a gain creates a capital gains liability in that tax year. How this applies to you depends on your own circumstances — confirm with a qualified tax professional.

Is a Roth or a Traditional IRA better for bitcoin?

It depends on your tax rate now versus later, and on whether you intend to spend the position or leave it to heirs. A Roth is generally more favourable when you expect the same or a higher bracket in retirement, because the growth is never taxed. A Traditional IRA is generally more favourable when you expect a materially lower bracket. For assets intended for heirs the calculation changes again, because a Traditional IRA balance reaches beneficiaries as ordinary income. This is a personal tax question — speak to a qualified tax professional.

How much can you contribute to a bitcoin IRA?

The IRS sets an annual contribution limit for IRAs that is indexed to inflation and changes periodically, with a higher limit for savers aged 50 and over. Rollovers and transfers from an existing IRA, 401(k), or 403(b) are not subject to that annual limit, which is how most Onramp IRA accounts are funded. Check the current published limit before contributing.

What happens to a bitcoin IRA when the account holder dies?

Beneficiaries are designated in the account upfront, so the IRA passes under that designation rather than through the vault's key arrangement. Because the custody structure does not depend on the account holder holding a key, there is no seed phrase for heirs to find or lose. Note that bitcoin inside an IRA receives no step-up in basis, and under the SECURE Act most non-spouse heirs must empty an inherited IRA within ten years.

Open your IRA today

Start securing your retirement with the most resilient bitcoin custody available.

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