Crypto.com IRAs Launch: Roth/Traditional Digital-Native Retirement with No Fees

Crypto.com has launched Crypto.com IRAs, a “crypto-native” retirement account platform for eligible U.S. users. The product aims to let investors manage diversified portfolios inside an IRA using digital assets alongside equities. Crypto.com IRAs supports both Roth and Traditional IRA structures. The platform is built around an integrated, tax-advantaged wrapper with an IRS-compliant custodian setup. It also offers a zero-fee model for users on key account actions, targeting higher capital efficiency. Key incentives highlighted include: a contribution match of up to 5% tied to Crypto.com’s Level Up membership; and a transfer/rollover match of up to 2% to encourage consolidation within the Crypto.com ecosystem. The offering also promotes “zero-fee architecture,” claiming no account opening, maintenance, and transfer fees (noting other fees/spreads may apply). On portfolio functionality, Crypto.com IRAs integrates digital assets with securities such as stocks and ETFs, plus tools like Recurring Buy and Whale Baskets. For staking, users can access up to double-digit annual rewards (annual rate not fixed in the article), with staking payouts directed into their IRA accounts. Custody/coverage is split by asset type: Traditional/Roth IRA with Foris Capital US supports stocks and cash, while a separate Traditional/Roth IRA with Foris DAX Trust Company, LLC supports digital assets only. The article emphasizes that digital-asset IRA features apply to the Foris DAX offering, and that eligibility and regulatory availability are required. Crypto.com IRAs are positioned as a bridge between traditional finance and “cryptofinance,” potentially expanding mainstream retirement access to crypto-linked yields and diversification.