On April 2, 2025, Fidelity officially launched its latest crypto offering tailored for Roth, traditional, and rollover IRAs. With this move, the financial giant is blending traditional retirement strategies with the fast-evolving digital asset landscape—responding to growing client demand for crypto exposure without giving up tax benefits.

Fidelity Launches Crypto IRAs, Bringing Bitcoin, Ethereum, and Litecoin to Retirement Accounts
The launch of Fidelity Crypto for IRAs

What Is Fidelity Crypto for IRAs?

Fidelity Crypto for IRAs lets eligible U.S. adults (ages 18 and up, excluding residents of California and Oregon) invest directly in major cryptocurrencies. It’s a straightforward, regulated solution aimed at investors seeking diversification beyond stocks and bonds.

Key Features Include:

  • Zero Account Fees: No setup or maintenance charges.

  • 1% Transaction Spread: Applied to buy and sell crypto orders.

  • Institutional-Grade Security: Most crypto assets are held in offline wallets, offering high-level protection from hacks and breaches.

  • Risk Transparency: Designed for investors who understand the volatility and long-term risks tied to crypto markets.

  • Eligibility Limits: Available in select U.S. states; not currently offered in California or Oregon.

Fidelity’s Continued Commitment to Crypto

This IRA product builds on Fidelity’s years-long push into digital assets. Through its Fidelity Digital Assets arm, the company began serving institutional crypto clients as early as 2018. Fidelity Crypto for IRAs extends that legacy to individual investors, creating a bridge between traditional finance and blockchain technology.

To support informed decision-making, Fidelity offers robust educational resources including its Decode Crypto newsletter and Covering Crypto livestream. Whether you're a newcomer or a seasoned trader, Fidelity’s learning center delivers on-demand webinars, articles, and podcasts tailored to different experience levels.

Why This Matters Now

The timing couldn’t be better. As of April 2025, Bitcoin’s market cap stood near $1.7 trillion, Ethereum around $250.1 billion, and Litecoin ranked among the top 20 cryptocurrencies by market value. Fidelity’s IRA expansion means retirement portfolios can now tap into this explosive market—securely and with tax advantages.

Cryptocurrencies are no longer niche investments. They’re becoming a part of mainstream financial planning, and Fidelity is leading that charge.

Looking Ahead: Innovation in the Pipeline

Beyond IRAs, Fidelity is rumored to be testing a stablecoin through its digital assets division. Though not officially confirmed, the company has submitted a proposal to the SEC for a tokenized U.S. dollar money market fund—signaling more innovation is likely on the horizon.

Frequently Asked Questions (FAQs)

1. What is Fidelity Crypto for IRAs?

Fidelity Crypto for IRAs is a new offering from Fidelity Investments that allows eligible U.S. investors to buy, sell, and hold cryptocurrencies—specifically Bitcoin (BTC), Ethereum (ETH), and Litecoin (LTC)—within Roth, traditional, or rollover IRA accounts.

2. Who is eligible to open a Fidelity Crypto IRA?

U.S. adults aged 18 or older who reside in eligible states can open an account. As of now, residents of California and Oregon are not eligible.

3. Which cryptocurrencies are available in Fidelity Crypto for IRAs?

At launch, investors can access Bitcoin (BTC), Ethereum (ETH), and Litecoin (LTC). Fidelity may expand its crypto offerings in the future.

4. Are there any account or maintenance fees?

No. Fidelity does not charge any account opening or maintenance fees for Crypto IRAs. However, a 1% spread fee applies to crypto transactions.

5. How does Fidelity ensure the security of my crypto assets?

Fidelity stores the majority of digital assets in cold storage wallets, which are not connected to the internet. This method significantly reduces the risk of online hacks and unauthorized access.

6. Can I transfer an existing IRA into a Fidelity Crypto IRA?

Yes. Investors can roll over funds from an existing traditional or Roth IRA into a Fidelity Crypto IRA, subject to standard IRS rollover rules.

7. Is crypto investing in IRAs safe?

While Fidelity provides a secure platform, investing in cryptocurrencies comes with high market volatility. This product is best suited for investors with a high risk tolerance and a long-term outlook.

8. Will I receive tax benefits with a Fidelity Crypto IRA?

Yes. Just like other IRAs, crypto IRAs may offer tax-deferred growth (traditional IRA) or tax-free growth (Roth IRA), depending on the type of account you choose and your individual tax situation.

9. Can I withdraw my crypto holdings directly?

Withdrawals from an IRA follow IRS rules. You may be required to sell your crypto into USD before making a distribution. Consult a tax advisor for guidance based on your circumstances.

10. Where can I learn more about crypto investing through Fidelity?

Fidelity provides educational resources such as the “Decode Crypto” newsletter, “Covering Crypto” livestream, and a full learning center with articles, videos, and webinars for all levels of investors.

Final Thoughts

Fidelity Crypto for IRAs marks a pivotal shift in how Americans can approach retirement investing. With direct access to Bitcoin, Ethereum, and Litecoin in a secure, regulated format, Fidelity is giving investors a powerful new tool to diversify their portfolios and hedge against traditional market risks.

As the line between traditional finance and crypto continues to blur, Fidelity is helping shape what the future of retirement planning looks like—smarter, broader, and more inclusive of the digital economy.

Global Cryptocurrency Market (March 12, 2025): Prices, Trends, and Predictions Global Cryptocurrency Market (March 12, 2025): Prices, Trends, and Predictions

The cryptocurrency market continues to experience heightened volatility as of March 12, 2025, influenced by macroeconomic trends, evolving regulations, and shifting investor sentiment.
Cryptocurrency Market Update: Prices, Trends, and Future Outlook Cryptocurrency Market Update: Prices, Trends, and Future Outlook

As of March 14, 2025, the cryptocurrency market exhibits significant fluctuations, influenced by recent policy changes and market dynamics.
XRP Surges: What’s Fueling the 14% Rally and What Comes Next? XRP Surges: What’s Fueling the 14% Rally and What Comes Next?

The price of XRP surged nearly 14% to $2.57 in the latest session, grabbing the market’s attention.
Who Is Jeffy Yu? Crypto Prodigy Fakes Death: Biography, Discovery and Confession Who Is Jeffy Yu? Crypto Prodigy Fakes Death: Biography, Discovery and Confession

Jeffy Yu, Zerebro crypto co-founder, shocked the internet by faking his death during a livestream—only to be found alive days later at his parents’ home ...
What Is the GENIUS Act? The U.S. Stablecoin Regulation Bill What Is the GENIUS Act? The U.S. Stablecoin Regulation Bill

A bold step toward crypto clarity—or a political firestorm in disguise? The GENIUS Act could redefine how America regulates stablecoins.