Overview

Alto CryptoIRA is a tax-advantaged, self-directed retirement account that lets U.S. investors buy, sell, and hold cryptocurrencies alongside other alternative assets. The product emphasizes simplicity, security, and flexibility by offering access to hundreds of crypto assets through integration with a major custodian and providing FDIC-insured cash accounts and institutional-grade crypto storage. Alto positions the CryptoIRA as a way to defer or potentially eliminate capital gains taxes while including features like mobile access, transparent pricing, and dedicated investor support.

Features and Capabilities

• Asset Coverage: Access to over 250 cryptocurrencies for IRA investing with broad coin and token selection.
• Custody & Security: Crypto custody managed with institutional-grade hot and cold storage; cash held with FDIC-insured banking partners.
• Tax Advantages: Supports traditional, Roth, and SEP IRA types to defer or eliminate capital gains taxes on crypto assets.
• Platform Integrations: Integrated with major crypto custodians for enhanced trading liquidity and asset coverage.
• Pricing & Fees: Transparent fee structure with low minimums; crypto trades subject to defined CryptoIRA fees separate from other Alto account fees.
• Mobile & Support: Offers mobile app access for on-the-go trading and account management; responsive investor support available.
• Account Types & Eligibility: Available to U.S. residents aged 18 and older; supports rollovers and transfers from existing retirement accounts.
• Regulatory Posture & Disclosures: Operates as a self-directed IRA administrator, not a broker-dealer or exchange; partners with regulated banking and custody institutions to ensure compliance and security.