Why IRAs at Onramp are unique
The most secure way to hold Bitcoin in your IRA
Onramp makes it easy to securely hold bitcoin in a tax-advantaged retirement account.
Onramp now offers IRA accounts, secured by Multi-Institution Custody.
With Multi-Institution Custody, three distinct regulated institutions each hold one key: no single institution can move or lose funds alone. Transactions require approval from at least two of the three key holders. 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.
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, each regulated and specialized, working together to protect your bitcoin.
Built and operates Multi-Institution Custody. Onramp is one of three keyholders on every account, with billions in client bitcoin secured since 2022.
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BitGo Trust Company, the South Dakota-chartered trust subsidiary of BitGo. BitGo was founded in 2013 and invented bitcoin multisig technology.
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Tetra Trust, Canada's first regulated digital asset custodian. Registered under Alberta's Loan and Trust Corporations Act.
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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
Start fresh with new USD via bank wire.
Deposit BTC in Kind
Deposit bitcoin directly from an existing IRA.
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.
FAQ
Common IRA questions
Multi-institution custody is a new model for securing your Bitcoin IRA.
Open your IRA today
Start securing your retirement with the most resilient bitcoin custody available.