Grayscale has launched the Bitcoin Adopters ETF, which tracks companies with a corporate Bitcoin treasury strategy. 

Daily top performer — Curve Finance (CRV)

The S&P 500 rose 0.15% as investors shrugged off recession fears and reacted positively to strong tech earnings, with focus now shifting to upcoming Apple and Amazon results. Gold dropped to $3,245 on US-China trade optimism and a stronger dollar, with Fed rate cut hopes cushioning losses. The Coindesk Indices, which tracks the broader crypto market, fell 0.51%, with Bitcoin and Ether down 1.24% and 0.86%, respectively in the past 24 hours. Trade these markets and more with up to 500x leverage on Bybit MT5 using this 

Today's top performer is CRV, which surged 11.4% after Spark's integration of new Curve pools, enhancing stablecoin liquidity and improving DeFi infrastructure.

Curve Finance (CRV), launched in 2020, is a DEX on Ethereum for low-fee swaps between stablecoins and similar assets, with yield-earning pools and DAO governance via the CRV token. Spark has 

 sUSDS/USDT and USDC/USDT Curve pools to its Spark Liquidity Layer (SLL), boosting stablecoin liquidity, enabling easier swaps, and supporting future direct USDT deposits and withdrawals via Spark Savings.

Check out the latest prices, charts, and data of 

 the Bitcoin Adopters ETF, which tracks companies with a corporate Bitcoin treasury strategy. The ETF includes firms like Tesla, Blockstream, and MARA. It reflects the growing trend of companies acquiring Bitcoin as a hedge against inflation. Grayscale's fund aims to provide exposure to companies in sectors like mining, automotive, and energy. Institutional BTC adoption, including Michael Saylor's Strategy, is driving Bitcoin's scarcity, which may lead to a supply crunch and rising Bitcoin prices in the future.

Yesterday, BTC spot ETFs saw $323.3M in outflows, with $32M from GBTC and $291.3M from other ETFs.

 its largest Galxe points event, running from May 4–8, 2025, where users can complete tasks to earn points. They also introduced the AlphaWave competition, a 7-day AI trading contest featuring 25 crypto agents. Users can vote for the agent they think will win to earn rewards and complete Galxe quests. New tasks will be added throughout the week.

Beginner

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Grayscale launches Bitcoin Adopters ETF, tracking companies with BTC treasury strategies

Discover how USDY, a yield-bearing stablecoin from Ondo Finance, offers secure, regulated returns backed by US Treasuries across multiple blockchains.

, which are crypto assets pegged to a major fiat asset, have gained tremendous popularity and are helping investors deal with the typical volatility of the market. For many years, stablecoin cryptocurrencies have been used for payments, principal value storage, B2B transactions and more. However, traditional stablecoins have always lacked the ability to generate yield. These assets are fixed at a certain rate (e.g., $1) and, due to inflation, they don’t protect against your funds’ value erosion. 

 have started to gain traction over the past several years. These "new generation" stablecoins, unlike their traditional counterparts, not only provide rate stability but also generate yields, growing your investment over time. One of the leading assets among yield-bearing stablecoins is US Dollar Yield (USDY), issued by Ondo USDY LLC, part of 

Backed by low-risk traditional finance (TradFi) reserves, USDY generates yields and is a fully composable asset that can be used throughout the DeFi ecosystems of multiple blockchains. The reserves and issuance of the stablecoin are also subject to high regulatory controls. In the world of yield-bearing stablecoins, USDY is among the top choices in terms of popularity, regulation and security.

What is the Ondo US Dollar Yield (USDY) Token?

 (USDY) is a yield-bearing stablecoin offered by Ondo USDY LLC, part of the Ondo Finance DeFi solutions provider. 

USDY’s value tracks that of the US dollar, and it’s backed by Treasury bills and demand deposit reserves. The coin issuer’s parent company, Ondo Finance, specializes in institutional-grade crypto solutions. Ondo aims to make on-chain institutional-grade finance tools and infrastructure accessible to anyone.

USDY was launched in August 2023. As of April 2025, the stablecoin has become available on 

 — a level of multichain coverage that few other stablecoins can match.

While USDY’s price tracks the US dollar’s, its rate is typically somewhat higher than $1 because yields earned by each unit of the stablecoin are added to it, increasing its nominal value.

 (RWAs), primarily Treasury bills, although some portion of the reserves may also be represented by bank demand deposits. Both of these financial asset types are considered cash equivalents.

To ensure the Ondo ecosystem's security, Ondo backs each $100 equivalent of USDY with reserves worth $104, maintaining a 4% overcollateralization rate at all times.

Ondo Finance takes the transparency of USDY seriously. The company has established a bankruptcy-remote mechanism, with a separate corporate entity controlling the issuance and oversight of the stablecoin in various ways, including a board of directors with an independent director, and segregation of assets and reporting from Ondo.

USDY is a fully composable asset that can be used in the DeFi ecosystems of its host blockchains for various purposes, such as collateral, 

USDY provides several significant benefits for its holders. First, it allows eligible individual and institutional investors to earn dollar-denominated yield. This is in contrast to traditional stablecoins, which provide no yield opportunities at all. While other yield-bearing stablecoins also generate returns for holders, some of these pay the yields in volatile cryptocurrencies, rather than high-quality assets.

Thanks to its dollar peg, USDY offers both yield and relative stability. Additionally, it’s fully composable, creating opportunities for use across various DeFi protocols. USDY is available on seven blockchains, providing access to more DeFi opportunities than most yield-bearing stablecoins.

The coin may also be used for passive holding, growing in value over time as yields accrue. In this capacity, USDY represents a good low-risk, on-chain investment opportunity.

Finally, USDY’s overcollateralization and backing by high-quality TradFi assets, Treasury bills and demand deposits make it one of the most secure yield-bearing stablecoins on the market.

How does Ondo US Dollar Yield (USDY) work?

Individuals and institutional entities need to undergo an onboarding process to acquire USDY, during which they submit relevant identity, legal and tax documents. Ondo diligently applies 

 (AML) checks in order to adhere to US securities laws, the Investment Company Act of 1940 and other relevant regulations.

US and UK residents cannot apply to buy USDY, although you may be eligible if you’re a US or UK citizen and reside abroad.

If your application is approved, you can be issued USDY 40 to 50 days after your initial deposit date, although you’ll start earning yield from the first day of your investment. The minimum amount for investment or redemption is $500. You can buy USDY from Ondo using the 

 stablecoin. US dollar wire transfers are also supported for amounts over $100,000.

Redemptions are only transferred in US dollars to bank accounts outside the US. You can redeem your USDY investment at any time, and the typical timeline to receive your funds is about 2–3 business days from the date of your request.

USDY accrues yield daily. The stablecoin’s yields are structured not to incur any US federal tax obligations. Ondo doesn’t charge any performance or management fees for USDY yields. However, the company earns income from a portion of yields generated by the underlying assets backing USDY.

As noted earlier, USDY’s yields accrue to each unit of the token. Therefore, the value of one USDY is usually above $1. For instance, the average value of USDY as of the time of this writing (Apr 30, 2025) is $1.11.

For investors who prefer a fixed $1 rate for the stablecoin, Ondo offers the rebasing version, called rUSDY. Yields for rUSDY are paid to your wallet in the form of additional tokens by increasing the supply of the crypto, while the principal remains at (or very close to) $1. This is known as rebasing. USDY and rUSDY are freely convertible between each other.

The rebased version of the coin might be useful to those who need to ensure rate stability (for example, for B2B payments of agreed-upon contractual amounts) while also earning yields from their investments.

 as a swap pair with the USDT stablecoin.

USDY boasts numerous benefits for investors — low-risk yields from high-quality traditional assets, wide multichain coverage, regulatory compliance, transparency, composability and rate stability. The combination of all these benefits is quite rare in the crypto market, and the investor community is definitely taking note: USDY is already the third-highest-ranked yield-bearing stablecoin by market cap as of late April 2025. 

Since the yield-bearing stablecoin niche is expanding, the advantages of the USDY are likely to attract further interest, both among the institutional crowd and with individuals keen to access high-quality, institutional-grade crypto products.

Intermediate

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What is Ondo US Dollar Yield (USDY) and how does it work?

Discover the 7 top Sui meme coins in 2025, from MIU to HIPPO, as they gain traction with fast growth, strong communities, and unique use cases.

 blockchains, have continued to rally as investors make bold moves with renewed risk appetites. As a 

 blockchain, Sui has continued to attract crypto enthusiasts — especially meme coin lovers, who appreciate the platform's speed and affordability.

Recent surges in trading volumes and market caps of SUI meme coins — such as MIU, LOFI and BLUB — highlight growing investor interest. For instance, BLUB experienced an 88% increase in just 24 hours from Apr 22–23, 2025, contributing to the broader rally of SUI as its price surged over 63% in April 2025.

These coins often incorporate unique themes and philanthropic efforts, such as HIPPO's wildlife conservation donations, that foster strong community support.

Let's look at the top Sui meme coins making waves in the crypto market.

​Sui-based meme coins are rapidly gaining traction due to a combination of technological advantages and vibrant community engagement. The 

 parallel transaction execution and unique gas pricing mechanism enable ultrafast transaction speeds and minimal fees. This makes Sui an ideal platform for the high-volume, speculative trading that meme coins often entail. Sui’s scalability and secure Move programming language attract developers seeking efficient and safe environments for launching their new tokens.​

 (DeFi) further supports meme coin growth, providing avenues for increased utility beyond mere speculation. Following are the top ​Sui meme coins based on market cap, as of Apr 30, 2025.

 is currently the leading ​Sui-based “cat meme coin,” with a market cap of $70.6 million. It draws in investors with its fun, energetic branding and community-driven spirit. MIU also features expanded utility beyond its cute cat hype, allowing users to access DeFi and 

 (NFT) opportunities on its platform. It also promotes long-term commitment via its 

 process, as stakers can earn up to 15% APR with 12 months of staking.

The project frequently launches community events and contests, strengthening its dedicated holder base. MIU’s success highlights the growing appetite for meme tokens on scalable blockchains like Sui. Its playful appeal and strong tokenomics have positioned it at the top of the ​Sui meme sector. MIU is a 

 coin: its total supply is 9 trillion tokens, of which 55% are dedicated to a 

, 15% allocated to staking rewards, 15% to ecosystem development, 10% to community and 5% reserved for the team.

MIU continues to ride the wave of growing meme adoption, aiming to become a lasting force within the Sui ecosystem and beyond.

With a market cap of $35.86 million and over 50 million app users, 

 (MEMEFI) is an ambitious Telegram project that blends the world of memes with SocialFi utilities. Unlike typical meme coins that rely solely on hype, MemeFi aims to engage Telegram users with an interactive web3 meme-themed clicker game that offers daily giveaways and incentivizes ad creations for enterprises.

Its native token, MEMEFI, is more than just a mere meme coin, and has use cases for 

You can trade MEMEFI on Bybit’s Spot trading platform (

 is a rising ​Sui meme coin known for its chill "lofi vibes" branding that resonates with a younger, internet-native audience. Beyond its fun appearance, LOFI has demonstrated solid growth by tapping into communities through music, lifestyle and crypto.

The project also ties in eco-conscious initiatives, focusing on providing clean water sources for global communities and addressing the impact of ocean waste and plastic on marine health, giving it a mission-driven angle not typically seen in meme coins. Besides direct donating, minting LOFI Mystic Yetis NFTs also helps contribute to the cause, with 20% of the proceeds going to the LOFI Foundation.

Lofi’s accessible vibe and shrewd marketing strategy continue to attract new supporters, helping LOFI to stand out in the increasingly crowded ​Sui meme scene. 

 (commonly known as HIPPO) is a community favorite in the ​Sui meme world. The HIPPO token mixes humor with philanthropy, donating a portion of its revenues to wildlife conservation initiatives, starting with Thailand’s Khao Kheow Open Zoo that houses Moo Deng, the adorable pygmy hippopotamus that inspired this viral meme coin. This feel-good approach has helped build an extremely loyal community around the HIPPO token.

Sudeng’s dual focus on memes and real-world impact gives it staying power. The project’s growing community engagement ensures that HIPPO remains relevant in a fast-moving crypto space.

You can buy HIPPO as a USDT Perpetual contract on Bybit (

 is making waves in the ​Sui meme coin ecosystem with its aquatic-themed branding and integration of meme culture. Known for its friendly, community-first approach, BLUB frequently hosts giveaways, meme competitions and liquidity incentives to maximize engagement.

The coin’s fun branding and its steady increase in active users have helped BLUB climb the ranks quickly. Its strong online presence and viral meme campaigns have attracted crypto enthusiasts who are looking for the next breakout meme project. As it continues building partnerships and expanding its reach, BLUB demonstrates strong potential to become a staple in the Sui meme scene.

 (TOILET) is a rising meme coin on ​Sui that embraces humor and absurdity in a way that resonates with crypto culture. Its branding focuses on being intentionally ridiculous, tapping into the viral tone of meme coins that don't take themselves too seriously.

The project’s organic, community-driven growth has made it one of the most talked-about newer entrants in the ​Sui meme space. Frequent meme contests, community raids and spontaneous airdrops help fuel engagement. One of its biggest events is the distribution of Toilet Club Alpha Pass NFTs to the top 100 TOILET holders (as indicated by the Apr 21, 2025 screenshot), which gives holders access to all of Toilet Dust's projects and events and the right to vote on Toilet Dust's future development.

Despite its humorous façade, TOILET’s strong holder base and active marketing tactics suggest it may remain relevant as Sui’s meme coin ecosystem continues to expand.

 (FUD), another top project in the ​Sui meme coin category, is built around an adorable pug mascot battling FUD (fear, uncertainty and doubt) in the crypto world. With a humorous tone and clever marketing, FUD has built a vibrant community of holders who embrace both its memes and its mission.

FUD leverages trending memes, contests and airdrop rewards to keep its community marketing fresh and viral, helping it steadily grow in popularity. Its deep integration of ​Sui apps like 

 — as well as its deflationary tokenomics, whereby 20% is dedicated to token burning — makes FUD a strong contender for future growth in the meme space.

Buying ​Sui meme coins on Bybit can be exciting. Nevertheless, it's important to recognize the risks and rewards involved. 

, and their prices can swing wildly and quickly, offering chances for sizeable gains as well as sudden losses.

Always approach these investments with caution, never risking more than you can afford to lose. That said, the fast-growing ​Sui ecosystem and meme culture can create rewarding opportunities for traders who stay informed and manage their risk properly.

Currently, you can buy MEMEFI as a Spot pair and Perpetual contract on Bybit. HIPPO is also available as a Perpetual contract. This gives traders the flexibility to choose the type of exposure they want — simple buying and holding with Spot, or leveraged trading with Perpetual contracts.

Spot trading is the most straightforward way to buy ​Sui meme coins, as you directly purchase the coin and own it outright. On Bybit, the process is simple. After choosing the Spot pair, such as MEMEFI/USDT, select your preferred order type — e.g., 

(you set the price you're willing to pay) — and confirm the trade to make your purchase.

Spot trading is ideal for beginning traders, as well as anyone who prefers a more straightforward, lower-risk approach as compared to 

Buying Sui meme coins as Perpetual contracts

Bybit offers MEMEFI and HIPPO as USDT Perpetual contracts for those seeking more advanced trading options. With Perpetual trading, you don’t own the actual coins; instead, you speculate on their price movement. Key points to understand include the following:

Perpetual contracts can offer significant rewards, but require a strong understanding of 

. Always start with lower leverage and practice solid trading discipline.

Whether you prefer the simplicity of Spot or the strategy of Perps, Bybit provides flexible ways to explore the booming ​Sui meme coin market.

The rapid rise of meme coins on the Sui blockchain highlights the power of community-driven projects when they’re paired with innovative technology. Thanks to Sui’s high-speed transactions, low fees and developer-friendly environment, Sui meme coins like MIU, LOFI and HIPPO have found a perfect ecosystem in which to thrive. Each project brings something unique to the table — whether humor, philanthropy, DeFi innovation or pure meme culture — creating a vibrant and diverse ​Sui meme coin landscape.

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7 top Sui meme coins to pay attention to in 2025

Mastercard has partnered with Circle, Paxos, and Nuvei to allow 150 million merchants to accept stablecoin payments. 

Daily top performer — Drift Protocol (DRIFT)

The S&P 500 rose 0.58% for a sixth straight gain as markets await key inflation and GDP data, alongside earnings from Meta and Microsoft. Gold fell 0.60% to $3,323 as a stronger USD and improved risk appetite limited safe-haven demand. Prices remained range-bound, with key levels at $3,260 support and $3,400 resistance. The Coindesk Indices, which tracks the broader crypto market, rose 0.51%, with Bitcoin and Ether up 0.55% and 1.31%, respectively in the past 24 hours. Trade these markets and more with up to 500x leverage on Bybit MT5 using this 

Today's top performer is DRIFT, which surged 28.7% following the introduction of Amplify, Drift's tool for simplified leverage that boosts yields with increased risk.

Drift Protocol (DRIFT), founded in 2021, is a decentralized exchange (DEX) on Solana offering spot trading, perpetuals, and market-making tools. Drift v2 builds on this by improving trading efficiency, security, and user-centric features, incorporating community feedback to enhance the platform. 

 by Drift automates leveraging strategies for higher yields by recursively borrowing against yield-generating assets. It simplifies the process, making leverage accessible with one click. However, risks such as liquidation, changing interest rates, and oracle failures exist. Amplify is designed for users with JLP or SOL LSTs seeking to boost yields with minimal complexity but comes with increased risk.

 with Circle, Paxos, and Nuvei to allow 150 million merchants to accept stablecoin payments. The company aims to make it easier for both merchants and consumers to use stablecoins, promoting blockchain technology's mainstream adoption. Additionally, Mastercard has launched a crypto payments card with MetaMask, enabling self-custodied fund transactions with fast processing speeds. Stablecoin market growth is expected to reach $3.7 trillion by 2030.

Yesterday, Bitcoin spot ETFs saw $43.9 million in net outflows, all from non-GBTC funds, while GBTC recorded zero flows.

, a Layer-1 blockchain focused on AI agents and user-owned IP, is offering a limited-time free ticket to its Summit Series for the next 18 hours. Users can also join the Camp Points Program by completing simple tasks to earn points, which may qualify them for a future $CAMP token airdrop. A minimum of 30 points is required to be eligible. Daily check-ins earn bonus points. VPN use may be needed for access.

Mastercard partners with Circle, Paxos, and Nuvei to enable stablecoin payments for 150 million merchants

Investing

The best crypto IRA firms to diversify your investments and grow your retirement savings include Bitcoin IRA, iTrustCapital, and BlockMint. Read on to find the best Crypto IRA for you.

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Cryptocurrency as an asset class is finding more ways into traditional investment schemes. It’s now possible to hold crypto under a variety of individual retirement accounts (IRAs). Interest in this option has grown considerably recently when the largest retirement accounts provider, 

, announced plans to offer crypto within its 401(k) accounts. The move is widely viewed as a precursor to making crypto available under the company’s IRAs as well. Boasting significant taxation benefits — such as no capital gains tax, and tax-deductible contributions — crypto IRAs are a new hidden gem for retirement-oriented investors.

IRAs were first introduced by the Employee Retirement Income Security Act of 1974 (ERISA). They’ve long been the staple of retirement investment for the self-employed, freelancers, small business owners or, in fact, anyone who wants to actively manage their own retirement funds. These accounts differ from the employer-sponsored 401(k), and are based on your own individual contributions. IRAs allow you to invest in a variety of asset classes, typically stocks, bonds, mutual funds and index funds, but also less conventional alternative investments. Cryptocurrency is also a legitimate asset to own under an IRA.

However, traditional IRA providers have long been reluctant to offer crypto or any other high-risk asset class to these accounts. Nevertheless, as often happens, the niche hasn’t remained vacant for too long. Over the last few years, several crypto IRA providers have emerged in the market. These financial companies offer cryptocurrencies within their IRA products. Among the most popular crypto IRA providers are Bitcoin IRA™, iTrustCapital, Alto Solutions and BitIRA™. While the niche of crypto IRA providers is still relatively small, it’s growing fast. Fidelity’s plan to offer crypto in its 401(k) products is also an indicator of traditional IRA providers’ interest in this area.

IRAs have typically been used for the tax advantages they offer. Depending on the type of IRA (of which there are several), your tax benefits will work differently. Out of the variety of IRA types, the two most common ones are standard IRAs, also referred to as traditional IRAs (or simply IRAs), and 

Standard IRAs — IRAs, hereafter — let you make tax-deductible contributions. However, your withdrawals from such an IRA in retirement are not tax-deductible. In contrast, contributions to a Roth IRA are not tax-deductible, but withdrawals you make in retirement are.

The key difference between IRAs and Roth IRAs

The majority of crypto IRA providers offer both IRAs and Roth IRAs. Some providers only have crypto available as an eligible asset class within their retirement account products, while others offer a mix of crypto and various assets.

The market of crypto IRAs is growing by the day, with an increasingly diverse choice of providers and products available to retirement-focused investors. Among this variety, we’ve analyzed and selected the best IRA providers based on six key factors — Bitcoin-specific offers, suitability for beginners, coin variety, suitability for self-directed investments, fees and security — as well as the best overall IRA provider. 

1. Best Overall — Jointly Bitcoin IRA and iTrustCapital

We decided to pick two providers as joint winners for our best overall IRA — 

. In the individual categories below, we’ll take a closer look at these two companies. Bitcoin IRA is our pick in the best Bitcoin-specific investment category, while iTrustCapital is the winner of the low fees category.

We’ve chosen Bitcoin IRA as one of the two best overall IRAs because cryptocurrency investing is still heavily dominated by 

 (BTC). This is particularly relevant for retirement investing, since the majority of 

 are considered more volatile than the world’s first and largest crypto. Thus, it’s not surprising that our best provider for Bitcoin-specific IRAs has been (jointly) crowned as the best overall as well.

As for iTrustCapital, the company’s leadership in the fees category, low barriers to entry for investing and a diversity of assets on offer are its key strengths. These factors help iTrustCapital make crypto IRAs as affordable as possible for diverse segments of investors, something that — in our view — definitely warrants the best overall IRA award.

2. Best For Bitcoin Investors — Bitcoin IRA

Bitcoin IRA is our pick for the best Bitcoin-specific IRA. As a large and well-established provider, Bitcoin IRA is capable of offering a 24/7 trading platform, easy setup, and custody insurance of up to $700 million. You can roll over your existing IRAs, and even 401(k) into an IRA product offered by the company. The company’s main IRA product requires a minimum investment of $3,000.

Bitcoin IRA also features a very secure storage system. Your funds are held in cold storage, and are protected by military-grade security solutions.

due to its balanced combination of key benefits — the platform’s size and established nature, convenient setup, high insurance limits, numerous rollover options, and great security.

3. Best for Beginning Crypto Investors — BlockMint

Investing in crypto, especially via IRAs, is an area that is still not intimately familiar to many people. This unfamiliarity creates uncertainty and a lack of understanding about the options and strategies for crypto IRA investments. That’s why suitability for beginners is a key category we’ve considered in our crypto IRA review.

Among the plethora of crypto IRA providers, California-based 

 stands out for its great service and tools available to beginning investors. When you open an IRA at BlockMint, you’re guided in the process by your personal BlockMint agent, who is a qualified consultant. This is an outstanding feature for novice crypto investors to help them select the most suitable product, crypto assets and investment strategy.

Past the account opening stage, BlockMint continues to guide you on the platform via a multi-channel support system that includes email, phone and online chat. This provides an opportunity for less experienced investors to adjust their portfolios and strategies regularly, something that many beginners, particularly in the retirement investment niche, often fail to do.

Besides comprehensive support for novice investors, BlockMint boasts other advantages: Insurance coverage up to $600 million and military-grade security for funds’ storage.

4. Best Variety of Cryptos Supported — Regal Assets

Though Bitcoin is still the king of the cryptocurrency world, many investors don’t want to limit themselves to this crypto when devising their investment strategies. Investing in multiple cryptos is becoming increasingly accepted, with some investors actively looking for products with as wide a choice of coins as possible.

, a provider of crypto and precious metal investment products, reigns supreme. Regal Assets offers IRAs with which you can choose virtually any crypto to invest in. There are over 20 popular cryptocurrencies, such as Bitcoin, Ether (ETH), Cardano (ADA), Litecoin (LTC), Ripple (XRP), and other 

 cryptos listed by Regal Assets as available within its IRAs. Additionally, the company offers the option to add a custom crypto, per your preference — truly a dream for investors keen on holding a diverse bucket of crypto coins.

This provider also offers investment in precious metals — gold, silver, platinum and palladium. You can diversify your IRA investment with Regal Assets by combining cryptocurrencies with these traditional assets. This could be a great option for many retirement-focused portfolios, as precious metals are widely regarded as a “safety net” and a low-risk investment, while crypto is a high-risk/high-growth asset type.

5. Best For Self-Directed Investments — Equity Trust

The majority of IRAs and Roth IRAs offered by traditional retirement investment providers place restrictions on what types of assets you can hold within these products. Typically, IRAs and Roth IRAs invest in cash and cash equivalents, stocks, bonds, mutual funds, index funds and 

 (ETFs). These asset classes are considered to be less risky, and thus more suitable for a retirement portfolio.

However, a special class of IRAs and Roth IRAs — Self-Directed IRAs (SDIRAs) — exists to facilitate investment in a wider assortment of asset classes. An SDIRA may be used to hold 

, such as real estate, private equity, commodities, and even mineral lease rights.

Among crypto IRA providers, our pick for the self-directed investments category is 

, a well-known specialist in the niche of alternative investment products. Equity Trust offers investments in cryptocurrency, as well as in a range of other alternative investment assets which include (but aren’t limited to) real estate, private equity and private lending.

The choice of asset classes offered by Equity Trust is probably more diverse than at any other crypto IRA provider. By talking to the company’s consultants, you may further customize your IRA portfolio and inquire about additional, even more exotic, asset types. SDIRAs often give you complete freedom with regard to your portfolio’s composition. The only asset types explicitly prohibited in an SDIRA are life insurance, collectibles and 

Equity Trust offers both IRAs and Roth IRAs for self-directed investments. Companies may also open 401(k) self-directed accounts for their employees.

Lower fees and other affordability factors — e.g., low minimum investment requirements — are among the most important decision variables for many retirement-focused investors. In this critical category, our choice for the best crypto IRA is iTrustCapital, one of the leading crypto IRA providers in the market.

iTrustCapital charges no monthly fee on individual accounts, which include IRAs and Roth IRAs offered by the company. Very few providers in this market offer zero–account fee IRAs. The company also has some of the lowest minimum investment requirements: You can open a crypto IRA at iTrustCapital with only $1,000. The affordability of the platform is a great opportunity for budget-conscious investors to own a crypto IRA product.

iTrustCapital offers investment in around 60 cryptocurrencies, as well as two precious metals, gold and silver. You may combine crypto and precious metals in your IRA product for further diversification of your retirement portfolio. The transaction fee for purchasing cryptocurrency under an IRA is 1%, also among the lowest in the industry. Precious metal purchase fees are $50/oz. for gold and $2.50/oz. for silver.

iTrustCapital doesn’t compromise on the quality of its offerings, either. The company’s IRAs feature insurance coverage of up to $320 million, secure cold storage, and a 24/7 trading platform.

Our last — though definitely not the least critical — category is security. When it comes to your retirement funds, you don’t want any compromises, do you? So, which crypto IRA provider is the best from a security point of view? The major providers all boast cold storage of funds and generous insurance coverage limits. However, in our view, one provider, 

, goes the extra mile to achieve the best security for your crypto IRA funds.

BitIRA has all the bells and whistles you may find in a leading crypto IRA provider, such as insurance coverage (up to $100 million) and cold storage of funds. Additionally, BitIRA has implemented industry-leading security measures to maximally protect your investment. First, the company’s insurance coverage provides “end-to-end protection.” This means that your investment is fully covered against theft, hacking, physical loss, or any other form of damage or destruction at the stages of purchase, storage and movement of your funds.

This end-to-end coverage is quite different from standard insurance, which normally protects your funds only at the stage of purchase.

Second, BitIRA uses multiple layers of encryption and multi-factor authentication to protect your IRA investment. Malicious actors who may try to hack your funds will find it incredibly hard to penetrate the company’s multi-layer security system.

Finally, BitIRA’s process of creating a digital IRA for a customer must be compliant with Level 2 Cryptocurrency Security Standards (CCSS), a stringent security standard created by a leading crypto security certification body — the 

With all these measures in place, you can be certain that your funds held in an IRA product by BitIRA are guarded 24/7 by some of the best protection mechanisms in the industry.

Crypto IRAs allow you to invest in cryptocurrencies or to mix cryptocurrency and other asset classes under the same account. Some providers focus only on cryptocurrency investments. A number of others — for instance, iTrustCapital, Equity Trust and Regal Assets — have a range of different assets on offer in addition to cryptocurrency.

Providers with different asset classes are a great choice for retirement portfolio diversification. However, if your crypto IRA provider exclusively offers cryptocurrency investments, you can still diversify your IRA holdings. A common way to do so is to open a crypto-based IRA at a specialist provider, and another IRA at a traditional provider that lets you invest in stocks, bonds and other conventional financial assets. The U.S. Internal Revenue Service (IRS) doesn’t place any restrictions on the number of IRAs you’re allowed to open or hold. As such, you may open two (or even more) accounts in order to diversify your investments.

When thinking about the multi-account strategy, consider two key factors:

As of late 2022, crypto IRA providers offer only fungible cryptocurrencies as an available investment option. NFTs aren’t on the menu! It is possible that with the further development of the crypto IRA industry, NFTs might become a legitimate form of investment under retirement accounts. As it stands now, the use of 

. Many industry professionals doubt that NFTs will be allowed in IRAs, since the IRS specifically prohibits investment in collectibles under these accounts. While there’s no explicit ruling on NFTs yet, they are likely to be regarded as “digital collectibles” by the IRS, making their use in IRAs problematic.

Crypto IRAs offer some significant advantages to retirement-focused investors. The key pros for these investment accounts include:

Crypto IRAs also have some cons or risks associated with them that you’ll need to consider before opening a crypto-focused retirement account. These include:

Crypto IRAs are no longer an exotic or unheard-of choice for retirement investing. This new class of IRA products is growing fast, offering diversification and growth opportunities that weren’t available to retirement-conscious investors just a few years ago.

The IRAs we’ve included in this article all represent a solid alternative for your crypto investment. Your final IRA choice should be determined by which of the six key factors we’ve covered here that you deem to be the most critical.

7 Best Crypto IRA Companies for Diversifying Your Retirement Plan

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