Trade the way you want
Beyond market buys, you can set up limit, stop, and stop-loss orders. You can also schedule recurring buys to steadily build your positions over time.
Introducing: Crypto IRACrypto trading.
Crypto trading.
With tax benefits.
Crypto IRAs: Build your crypto position for the long term inside a tax-advantaged retirement account.
Symbols, and securities are shown for illustrative and educational purposes only. Not a recommendation or investment advice. Market data from 2/18/26
See how a Crypto IRA could improve your potential returns.
Compare what your crypto could be worth in a taxable account vs. inside an IRA on Public.
Crypto IRA (Roth)
Taxable IRA
$0.00
How do I use this comparison calculator?
Yearly contribution: In 2026, the maximum contribution you can make to an IRA is $7,500.
Expected annual return: Enter your expected annual investment return on crypto assets in your account.
Investment period: Enter the number of years from now and when you expect to retire.
Federal Tax Bracket: Select your estimated tax bracket when you retire.
Buy and sell 40+ crypto.
Anytime.
Our complete crypto experience.
Inside an IRA.
Diversify into digital assets while keeping the tax benefits of an IRA. Crypto IRAs are self-directed individual retirement accounts offered and custodied by Alto Trust Co, a New Mexico trust company.
Access advanced crypto charts
Advanced charts let you run full technical analysis on crypto, using built-in indicators and custom intervals to give you the complete market picture.
Want to learn more about Crypto IRAs?
Stephen Sikes, Public’s COO breaks down the benefits of the Crypto IRA.
Traditional or Roth.
Trade crypto in either.
Traditional IRA
- Contribute eligible pre-tax income.
- Potential crypto earnings grow-tax deferred.
- Pay taxes on qualified withdrawals.
Roth IRA
- Contribute eligible after-tax income.
- Potential crypto earnings grow tax-free.
- Make qualified withdrawals tax-free.
The tax treatment of IRA contributions and withdrawals is subject to meeting certain IRS requirements. Please see the IRS website for more information to determine which type of IRA makes sense for you.
Have questions? Find answers.
What is a Crypto IRA?
Crypto IRAs are self-directed individual retirement accounts that lets you invest in cryptocurrencies like Bitcoin, Ethereum, and Solana while keeping the same tax advantages as a traditional IRA. Public’s Crypto IRA’s are offered and custodied by Alto Trust Co, a New Mexico trust company. With Crypto IRA, you can trade digital assets securely, with tax-free or tax-deferred growth depending on whether you choose a Roth or Traditional account.
Which cryptocurrencies can I invest in IRA account with Public?
Public offers 40+ crypto coins including Bitcoin, Ethereum, Solana, XRP, and more. We continuously grow our selection of assets by adding new coins throughout the year.
Can I roll over my existing IRA or 401(k) into a Crypto IRA?
Yes. You can transfer or roll over funds from an existing Traditional IRA, Roth IRA, or even a 401(k) into a Crypto IRA. Rollovers are tax-advantaged when done correctly, letting you move retirement savings into crypto without triggering penalties or early withdrawal fees*.
Who executes trades and custodies my assets in my Crypto IRA?
Public and Alto Trust Co. (the IRA custodian of your Crypto IRA) use Zero Hash LLC (“zerohash”) and zerohash trust company llc, a North Carolina chartered trust company for cryptocurrency services. zerohash is a licensed virtual currency business by the New York State Department of Financial Services and a licensed money transmitter. zerohash is not a registered broker-dealer or a FINRA member. Learn more about zerohash here.
What fees are charged for my Crypto IRA?
zerohash charges a transaction fee based on the dollar value of your cryptocurrency trade, and Public charges a custodial fee based on the amount of assets in your Crypto IRA. For details, see the fee schedule
What is the IRA match and how does it work?
When you open an IRA on Public, you can earn a 1% match on your annual contributions. Plus, Your IRA match is considered interest income, not a contribution—so it won’t count toward your IRS limit. That means you can earn up to an extra $70 or $80 if you max out your annual contributions.**
Boost your retirement with
a 1% match
With an IRA on Public, you can earn a 1% match on your annual contributions. Plus, earn an uncapped 1% match with an IRA transfer or 401(k) rollover.
*The tax treatment of IRA contributions and withdrawals is subject to meeting certain IRS requirements. Please see the IRS website for more information to determine which type of IRA makes sense for you.
**As part of the IRA Contribution Match Program, Public Investing will fund a 1% match of all eligible contributions made to a Public IRA up to the account’s annual contribution limit. The matched funds must be kept in the account for at least 5 years to avoid an early removal fee. Match rate and other terms of the Match Program are subject to change at any time. See full terms here.
Note that your Crypto IRA is separate from your IRA with Apex Clearing Corporation and Public Investing, and your brokerage account with Public Investing. Public Investing is a registered broker-dealer and FINRA member.