Malaysia has launched the Digital Asset Innovation Hub, a regulatory sandbox for testing programmable payments and ringgit-backed stablecoins, aiming to become a regional fintech leader. 

The S&P 500 dropped 0.84%, with most sectors down ahead of the Fed’s decision and amid rising tensions with Iran. Gold hovers at $3,380 as a strong US Dollar caps gains from Middle East tensions. Markets await the Fed’s policy update, which could lift Gold if a dovish stance emerges. The Coindesk Indices, which tracks the broader crypto market, fell 3.30%, with Bitcoin and Ether down 3.64% and 6.00%, 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 ALT, up 16.1% following AltLayer’s integration of EigenCloud to power verifiability-as-a-service.

AltLayer (ALT), founded in 2021, is a no-code platform for launching and enhancing Layer 2 rollups. It tackles key issues like limited validators, slow Ethereum finality, and centralized sequencers through its Restaked Rollups and decentralized services via EigenLayer. Rollups can be deployed in under five minutes using its Rollup-as-a-Service tool. 

—a crypto-native cloud platform combining cloud-scale performance with onchain trust, powered by EigenLayer's restaked ETH and verifiable stack. With backing from a16z, EigenCloud enables builders to deploy high-throughput apps securely. AltLayer, an early partner, will integrate EigenCloud into its Rollup-as-a-Service and AVS offerings to deliver verifiability-as-a-service.

Check out the latest prices, charts, and data of 

Malaysia has launched the Digital Asset Innovation Hub, a regulatory sandbox for testing programmable payments and ringgit-backed stablecoins, aiming to become a regional fintech leader. Announced by Prime Minister Anwar Ibrahim, the initiative supports use cases like supply chain financing and aligns with efforts to modernize the country’s financial infrastructure. This move contrasts with Singapore's tightening crypto regulations, which now ban unlicensed overseas token services by June 30.

Yesterday, BTC spot ETFs saw total net outflows of $422.7 million, entirely driven by non-GBTC products. GBTC recorded zero flow for the day, indicating no investor activity, while other ETFs experienced significant redemptions.

, an incentivized testnet dashboard with a live leaderboard. Users can earn points by completing simple tasks like Galxe campaigns, dev challenges, partner quests, and daily check-ins. These points may influence future rewards at zkVerify’s confirmed token generation event (TGE), where 35% of the supply is allocated to the community.

Beginner

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Malaysia launches digital asset sandbox as Singapore tightens crypto rules

Aries Markets is a comprehensive DeFi protocol that consolidates lending, borrowing, swapping and margin trading functionality into a unified margin account.

 ecosystem has grown exponentially, but users still face friction when navigating multiple protocols for lending, borrowing, swapping and trading. Traditional platforms operate in isolation, forcing users to manage separate accounts and fragmented liquidity pools that create barriers to entry and limit capital efficiency.

Aries Markets eliminates these pain points through its unified margin account system that consolidates all DeFi activities into a single platform on Aptos. This article examines the technology powering Aries Markets’ all-in-one approach, its key features and its future expansion plans to become the leading DeFi hub.

 (DeFi) protocol built on the Aptos blockchain that consolidates lending, borrowing, swapping and margin trading functionality into a unified margin account, enabling users to access multiple DeFi services seamlessly.

Built using the Move programming language, Aries Markets aggregates liquidity across the Aptos ecosystem while maintaining decentralized security and transparency. The protocol eliminates the need to manage multiple accounts across different platforms through cross-collateralization and yield-bearing tokens that integrate with other Aptos DeFi protocols.

Aries Markets emerged from a team of skilled Move developers with experience at major technology companies like Google and TikTok, as they combined traditional tech expertise with extensive DeFi knowledge. Launching on Aptos in 2022, the team chose the network for its high-performance capabilities and suitability for advanced financial applications.

The strategic decision to build on Aptos has proven successful, with the network's fast transaction speeds and robust DeFi capabilities aligning with Aries' mission to create accessible financial services. The team intentionally focused on removing DeFi complexity to make DeFi accessible, irrespective of user experience.

Aries Markets addresses the fragmentation problem in traditional DeFi, as isolated protocols force users to manage multiple platforms with different interfaces. Such fragmentation creates friction, increases transaction costs and complicates 

 for users seeking to participate in DeFi.

Aries Markets unifies lending, borrowing, swapping and trading within one streamlined interface that prioritizes capital efficiency. By enabling cross-collateralization and creating yield-bearing tokens that interact with other protocols, the platform maximizes the ways users can deploy their assets while maintaining liquidity throughout the DeFi system.

Aries Markets operates through a unified margin account that consolidates all DeFi activities into one interface. Users deposit supported assets and automatically receive yield-bearing tokens that earn interest while remaining usable across other Aptos protocols. This single account manages lending, borrowing, swapping and trading positions simultaneously.

The protocol calculates borrowing limits using asset-specific collateral factors and borrowing factors for precise risk management. Collateral factors determine how much users can borrow against deposits, while borrowing factors adjust liability values upward based on asset risk. Combined, these calculations create individualized liquidation thresholds for each user's portfolio.

s and automatically find optimal prices. Users can borrow assets they don't currently hold, swap them for desired tokens and maintain leveraged exposure. All operations use the same collateral pool through cross-collateralization.

Interest rates adjust dynamically. based on each asset pool's utilization rate using 

's proven interest rate model. When utilization exceeds optimal levels, borrowing rates increase sharply to incentivize deposits and maintain adequate liquidity for withdrawals.

Aries Markets delivers multiple innovative features designed to maximize capital efficiency and simplify DeFi interactions through a unified account system.

The borrowing system allows users to access liquidity by using their deposits as collateral without having to sell their assets. They can borrow any supported token up to their available borrowing power, which depends upon the risk-adjusted value of their collateral. Multiple asset types can be combined as collateral in order to increase borrowing capacity.

Dynamic interest rates automatically respond to supply and demand conditions in each asset pool. Liquidation mechanisms protect the protocol by closing positions when users approach risk limits, with thresholds calculated using asset-specific risk weightings that ensure system stability while maximizing borrower efficiency.

The lending feature allows users to deposit assets and earn yield while providing liquidity for borrowers. Deposits are converted into yield-bearing tokens that continue to generate returns when deployed in other DeFi protocols, which maximizes capital efficiency across the DeFi ecosystem.

Asset evaluation is conducted through a risk-based tiering framework that categorizes tokens based on their stability and their markets’ characteristics. This structure enables access to longer-tail assets while preserving protocol security through tailored risk management, expanding lending opportunities without compromising safety. 

The margin trading feature enables spot trading through a fully decentralized order book system. Users can execute markets and limit orders while borrowing funds to amplify their positions, with cross-collateralization allowing traders to use their entire account balance as margin. 

Aries Markets has emerged as Aptos's dominant DeFi protocol since its launch, capturing the largest market share on the network while breaking into the top 10 lending protocols globally. The platform's rapid adoption demonstrates strong market demand for unified DeFi services that eliminate the complexity of managing multiple isolated protocols.

Major product milestones have cemented Aries' market leadership position. The rollout of Efficiency Mode unlocked 90% 

 for sophisticated users, while targeted incentive campaigns in early 2024 delivered an 

 (APY) of up to 30% on blue-chip stablecoins, including 

Strategic partnerships have expanded platform capabilities through integrations with key Aptos ecosystem protocols, including Panora Exchange for optimized swap routing and enhanced trading efficiency. The protocol eliminated withdrawal fees as of 2024, improving the user experience while demonstrating a commitment to cost-effective DeFi services.

The project’s road map focuses on expanding asset offerings for lending and borrowing while deepening integrations with more Aptos protocols. Future development priorities include cross-chain capabilities and upgraded 

 infrastructure to position Aries Markets for broader market penetration.

Aries Markets represents the future of DeFi infrastructure as all-in-one hubs replace the complexity of managing fragmented protocols. By unifying lending, borrowing and trading within a single, cross-collateralized system, its protocol addresses a critical market need as demand for capital-efficient DeFi solutions continues to expand.

Intermediate

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Aries Markets: An all-in-one DeFi hub on Aptos

Solana Staking ETFs offer a regulated and accessible way for investors to gain exposure to SOL price appreciation and earn staking rewards.

On May 30, 2025, the US Securities and Exchange Commission (SEC) responded with concern to a registration amendment on 

 from REX Shares and Osprey Funds. These applications for Staking ETFs are trying to use a C corporation structure to bypass traditional investment company rules, raising regulatory concerns. The question is: Why does this matter? Solana Staking ETF approval could be a breakthrough moment, offering institutions a clear, regulated path for their investors to earn staking rewards without needing to navigate the complexities of on-chain participation. 

This article explains how Solana Staking ETFs work, and discusses what their approval could mean for the 

 that holds SOL tokens while delegating assets to blockchain validators to earn staking rewards for shareholders.

 These ETFs provide passive exposure to Solana's price appreciation, in addition to yield generated from network participation.

Solana Staking ETFs would merge traditional finance infrastructure with 

 mechanics through a meticulously orchestrated process, as follows:

Once the rewards have been earned, the validator deducts their commission, and the remaining rewards are transferred to the custodian. From there, the ETF manager reinvests the rewards into the fund, either in the form of additional SOL or cash equivalents. This reinvestment helps to boost the fund's net asset value (NAV). For instance, 3iQ's Canadian Solana Staking ETF 

 of the rewards after fees, passing the remainder to shareholders.

The current landscape of Solana Staking ETFs

On May 30, 2025, the SEC approved registration statements for staking ETFs from REX Shares and Osprey Funds, but quickly issued a 

 expressing concerns that the staking feature might disqualify these funds from being classified as ETFs under the

. The core issue is whether staking constitutes "investment" (on the one hand, or "trading in securities," which would subject the funds to stricter regulatory requirements. SEC Commissioner Caroline A. Crenshaw criticized the approach behind this SEC guidance as a “fake it till you make it” tactic to crypto regulation.

To circumvent traditional ETF regulatory hurdles, REX Shares structures its funds as C corporations and uses Cayman Islands subsidiaries to gain crypto exposure, effectively sidestepping the usual 19b-4 rule change process. ETF analyst James Seyffart has 

 this as “a bunch of clever legal and regulatory workarounds” that could enable launches within weeks if the SEC refrains from further intervention.

Meanwhile, competition among major asset managers to roll out ETFs is intensifying. Franklin Templeton, Fidelity, VanEck, Bitwise and others have filed for Spot Solana ETFs, mostly targeting launches in late 2025. However, proposals incorporating staking face heightened scrutiny and delays. For example, Bitwise’s amendment to add staking to its Ethereum ETF has been 

, reflecting the SEC’s cautious stance.

Despite regulatory uncertainty, market sentiment remains optimistic. Prediction platform 

 has assigned an 83% chance of Spot Solana ETF approval this year, and Bloomberg analysts 

 by late 2025, potentially including staking products if REX’s strategy prevails. 

The outlook for staking and spot ETF approvals

While the SEC’s regulatory framework around staking ETFs is still evolving with significant legal questions unresolved, innovative fund structures and strong market demand suggest that Solana ETFs, whether staking or spot, could gain approval and launch within this year, pending regulatory clarity and compliance.

It’s worth noting that Canada has already 

, which may boost returns for investors by an estimated 2%–3.5% annually. Meanwhile, Cathie Wood’s ARK Invest has incorporated staked Solana into its ARKW and ARKF ETFs, with both funds now holding shares of Canada’s 3iQ Solana Staking ETF (SOLQ).

What will it mean if a Solana Staking ETF application is approved?

The approval of a Solana Staking ETF would shake up the cryptocurrency investment infrastructure, fundamentally changing the way institutional and retail investors access staking rewards, while providing regulatory legitimacy to PoS mechanisms.

Solana Staking ETFs promise to marry Wall Street’s ease with blockchain’s yield, letting investors earn network rewards without needing to wrestle with wallets or validators. Despite the SEC’s foot-dragging, innovative structures like REX’s C corp model could achieve quicker approval, potentially leading to increased demand for Solana, driving up its price and bolstering network security. If successful, Solana Staking ETFs could pave the way for broader crypto adoption, enhance ecosystem growth and provide much-needed tax clarity and risk management, changing the market for both TradFi and DeFi.

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Solana Staking ETFs: Bridging TradFi with SOL staking

Puffverse (PFVS) is a Disney-like 3D metaverse merging Web 2.0 and web3 through casual games, NFTs, and user-generated content on Ronin.

Even as the blockchain gaming space continues to be populated by diverse gaming solutions, few projects have seamlessly integrated the innovation of 

 technology with the accessibility of Web 2.0. In creating a dreamy and Disney-like 

, Puffverse demonstrates its potential to drive mass adoption by seamlessly onboarding Web 2.0 players into the web3 world through its mobile casual gaming ecosystem. Its immersive metaverse includes an AI-driven engine whose users can customize game modes and maps to contribute to the limitless expansion of a virtual world.

Let's explore this fascinating dreamland and its innovative entertainment ecosystem that empowers its users to create worlds and possess their own 

 is a Disney-like 3D metaverse designed to create a bridge between the large user base of Web 2.0 gaming and the innovative nature of web3 technology.

It leverages the power of user-generated content from players in the virtual world of web3 to unlock the endless opportunities of GameFi. Its AI-driven engine helps players create custom game modes in the virtual world and explore its expansive metaverse. Furthermore, the platform offers varying versions of its casual game to cater to both web3 and Web 2.0 players. Its Web 2.0 version is more localized and independent, without web3-native tokens and NFTs.

The Web 2.0–only game version is offered through traditional gaming hardware, such as Steam, PlayStation 5, Xbox and Nintendo Switch. Having the Web 2.0–only version is strategic, since it helps drive brand awareness of the project to the masses and provides a way to test its “financial-like” web3 version.

If you opt to experience the web3 version of the game, you can unlock the monetization aspect of casual gaming for players. For an all-in-one experience, connect your in-game wallet (

 Official) and on-chain wallet (PuffTown App) for better asset management and interaction with the game. Connecting your wallets will allow you to transfer your assets between them effortlessly without any costs.

All of Puffverse’s products were originally deployed on 

Puffverse aims to be a wholesome ecosystem for gaming enthusiasts who can tap into the SocialFi, play-to-own and other aspects of the platform. To achieve this, Puffverse offers the following key products.

 is a solo/multiplayer dreamy party game that allows gamers to earn as they engage in fun gaming. Players can sample different modes and levels using various avatars, which players can freely change anytime in the game.

Players without NFTs can earn in-game assets such as Coins, while Puff NFT holders can earn Coins and Eggs, or Coins and Rank Points (Stars), depending upon the level chosen. The highest level, League Level, allows you to earn Coins and Rank Points (Stars), which can be redeemed for PFVS tokens.

 also has a store where players can access an in-game shopping experience for various items, such as game props, gear and costumes to enrich their gameplay. Players can also earn battle passes, a rewarding system for completing different tasks.

To sample this game's diverse experiences, you'll need to register an account on 

 Official Coins and Rank Points (Starand try out the different gameplays.

PuffTown is a control panel for all your assets in Puffverse. Via the PuffTown app, you can access in-game and on-chain data, create/import your game wallet, keep track of your gaming records, manage your assets and much more.

With PuffTown, you can generate a game wallet to manage your in-game assets or easily make NFT marketplace purchases. The app also makes interactions with the Ronin blockchain easier through a chain wallet that facilitates any trading or NFT transfers.

The PuffTown app has a built-in NFT marketplace where users can trade NFTs, check NFT attributes and track NFT transaction history.

 (simulation) game, which helps Puff NFTs level up their performance and earn rank points in the form of vePUFF (more on this later).

PuffWorld is a metaverse in which players can experience 3D characters in a virtual space. It’s the social space for the Puffverse project. PuffWorld can accommodate up to 40 adventures in one channel, and is working on an upgrade that would allow up to 10,000 players in one channel at a go.

On PuffWorld, players can forge meaningful connections as they explore the adventures around the metaverse.

 is an idle simulation game whose players can earn passive rewards effortlessly. To play, you only need to select characters that will participate in different adventures and open Treasure Boxes along the way. You’ll receive various rewards depending upon their performance.

The Treasure Box rewards are Coins or Diamonds. These rewards aren't game tokens, and can't be transferred. Coins help to speed up the interval to the opening of the next Treasure Box, while Diamonds are used to raise your character’s level and power.

You'll need to connect your wallet in order to access adventures on 

. You'll also need to own one Puff NFT in order to participate in these adventures, which are categorized into four modes and six terrains (all with varying difficulties to enhance each gamer's experience).

PuffLand is a user-generated content (UGC) tool on Puffverse that lets players explore their creativity. Players can create gaming maps and characters on PuffLand for use in Puffverse. Furthermore, PuffLand has a generative AI engine that makes it easier for users to generate content. PuffLand also encourages community engagement, since created content can be shared and used by others on the platform.

Characters in Puffverse are in the form of 

. The main NFT on the platform is called a Puff, a digital character made of eight parts with varying combinations. Puff NFTs that were issued on BNB Chain and Ethereum have no use cases (they can only be 

), but those issued on Ronin still have use cases.

The available types of Puff NFTs are as follows:

Puffverse is powered by a dual token system, consisting of PFVS and vePUFF. The two tokens work closely together to ensure that the Puffverse ecosystem thrives.

PFVS is the utility token used to fuel all purchases on Puffverse, such as 

 League, access PuffLand UGC editing tools and buy cloud gaming power. Launched via a token generation event (TGE) on May 27, 2025, PFVS is available on Ronin and Ethereum, with a total supply of 1 million tokens allocated across different stakeholders.

In order to maintain its long-term health and stability, PFVS has a closed-loop economic model that includes output, 

 for the Puffverse ecosystem. Its holders can vote on various matters through the Puff 

, and stake vePUFF to contribute to the ecosystem's growth and earn rewards in the form of PFVS tokens.

You can obtain vePUFF by locking PFVS tokens to convert them at a ratio of 100:1, or by joining 

 games to win rewards. Lock in your vePUFF to receive vePUFF NFTs in the form of orders, whereby each order generates vePUFF rewards that can be converted to PFVS tokens.

VePUFF can be neither transferred nor traded.

You can buy PFVS on Bybit’s Spot trading platform as the 

Puffverse is pioneering a new frontier in gaming by merging web3 gaming innovation with the accessibility of Web 2.0. With exciting 3D gaming experiences such as 

, the customizable social hub of PuffWorld, the asset manager PuffTown and the creative world of PuffLand, players are empowered to play, create and connect.

Puffverse’s dual-token economy — PFVS for utility and vePUFF for governance — fuels a thriving ecosystem that rewards both casual gamers and dedicated contributors. Puffverse isn't just a game — it's an evolving, user-driven universe that could potentially become a major force in the future of the web3 gaming industry.

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Puffverse (PFVS): A 3D web3 world with Disney magic

Investing

Wondering if you can hold crypto in your Roth IRA? Yes, you can do so, and there are Roth IRA providers that specialize in crypto. Read on to find out all about crypto roth IRAs.

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A Roth Individual Retirement Account (IRA) has long been known as a tax-efficient way to save for your retirement. Some Roth IRA providers have started to offer cryptocurrency as an eligible asset under these accounts. This opens up opportunities for crypto investors to leverage the tax advantages associated with Roth IRAs. Crypto Roth IRAs are still a relatively new development, with many of their specifics shrouded in mystery. In this article, we take an in-depth look at this new breed of Roth IRAs.

 is a specific variety of retirement account approved by the U.S. Internal Revenue Service (IRS) that comes with significant tax benefits. You may open a Roth IRA account at an eligible provider and contribute your after-tax dollars to it to save for retirement. Your Roth IRA contributions and earnings grow tax-free under the account. All contributions to a Roth IRA must be made in the form of cash.

While your contributions are not tax-deductible, you can withdraw funds from your Roth IRA completely tax-free after the age of 59½ as long as you’ve held the account for at least five years. You may also withdraw your 

 tax-free at any time without meeting the age and account tenure requirements, but in this case, your 

A Roth IRA is a great tax-efficient way to save for your retirement and enjoy tax-free income past the age of 59½. The IRS has put a limit on yearly contributions to a Roth IRA. From 2023, the yearly contribution limit will be $6,500 for those under 50, and $7,500 for those 50 or older. There are also income limits applicable to a Roth IRA. From 2023, you can contribute to your Roth IRA if:

A Roth IRA is a relatively flexible retirement account — there are no required minimum distributions (RMDs), and the account may be held indefinitely. A wide variety of financial assets and instruments can be held in a Roth IRA, including stocks, bonds, exchange-traded funds (ETFs), mutual funds and more.

The IRS considers cryptocurrency a form of property for tax purposes. As a legitimate asset, crypto may be held in a Roth IRA. However, you may not contribute cryptocurrency directly to your Roth IRA. Contributions must always be in the form of cash. At the same time, theoretically, nothing prevents you from purchasing cryptocurrencies within your Roth IRA.

In reality, most of the traditional Roth IRA providers do not offer crypto as an eligible form of investment under the accounts they provide. This is how Roth IRAs usually work — you’re limited to the asset classes that the account provider offers.

However, over the past few years, a new breed of Roth IRA providers specializing in crypto has emerged. These crypto IRA companies offer Bitcoin IRAs and other crypto IRAs. Some of the notable providers in this niche include 

Can You Hold Both Traditional and Crypto Investments in a Roth IRA?

In general, mixing different assets is very common in Roth IRAs. However, the practical difficulty of mixing alternative assets, such as crypto and traditional investments, under one Roth IRA may limit your choices. Although the niche of crypto IRAs is growing, it’s still very small. Only a handful of Bitcoin IRA companies and other crypto IRA providers have established a firm market presence. Furthermore, some of these providers offer Roth IRAs that are limited to cryptocurrency only.

The good news is that you may still find some crypto IRA providers who offer a mix of traditional and crypto assets. For example, iTrustCapital offers cryptocurrencies and two precious metals — gold and silver — as eligible assets for its Roth IRA product. By using the Roth IRA from iTrustCapital, you may gain exposure to crypto as a volatile but high-growth-potential asset, and to precious metals, which have long been regarded as low-risk investments. Additionally, iTrustCapital offers investment in nearly 30 different cryptocurrencies, including all the leading ones, within its Roth IRA product.

The 5 most popular cryptocurrencies on the iTrustCapital platform

However, if you really like the idea of combining crypto and traditional investments under your Roth IRA, the optimal strategy could be opening two — or even more, if you prefer — Roth IRA accounts. One account, held at a crypto IRA provider, will let you invest in cryptocurrencies, while the other account, held at a traditional IRA provider, may be used for exposure to traditional assets like stocks, bonds and mutual funds.

The IRS rules allow you to open multiple Roth IRA accounts, an option that some retirement-focused investors overlook. By opening multiple Roth IRAs, and investing in crypto and other asset classes using separate accounts, you may get around the problem of the limited choice of “mixed-mode” IRAs. Do note, however, that the yearly contribution limit of $6,500 ($7,500 if you’re 50 or older) applies across all your Roth IRAs. Unfortunately, you cannot get around this limit by setting up multiple Roth IRAs.

Holding a Roth IRA has several pros and cons as compared to standard retirement accounts. Let’s have a closer look at the advantages and disadvantages of this type of retirement account.

The most obvious advantage of Roth IRAs is the ability to draw tax-free income after reaching the age of 59 and a half.

Tax-free withdrawals of contributions before 59½.

 A Roth IRA is a flexible retirement account. You may withdraw your contributions, but not the earnings, tax-free before 59½.

No need for required minimum distributions (RMDs). 

The majority of standard retirement accounts — including the most commonly used one, the 401(k) — require you to start taking 

 (RMDs) from the account after reaching a certain age. Roth IRAs have no such requirement.

Portfolio diversification in the case of crypto Roth IRAs. 

You can diversify your overall retirement portfolio by investing a part of your funds in a crypto Roth IRA. This helps you gain exposure to a high-risk/high-reward asset, namely cryptocurrency. This benefit of crypto Roth IRAs is relevant for many, if not most, retirees and pre-retirement age individuals.

Retirement portfolios made up of only traditional assets (like stocks and bonds) create an overreliance on these asset classes. While it’s prudent to dedicate the bulk of your funds to low-risk assets, the lack of high-growth alternative assets, such as crypto, limits the income potential of these accounts.

While a Roth IRA is great for deriving tax-free income in retirement, your contributions to this account type are not tax-deductible.

Earnings withdrawn before age 59½, or before the account is 5 years old, are taxable.

 You’ll be taxed if you withdraw earnings from your Roth IRA before reaching the minimum age and account tenure requirements.

Individuals with yearly incomes over $153,000, or $228,000 if filing taxes jointly with a spouse, aren’t eligible for a Roth IRA.

 The yearly contribution limit of $6,500 ($7,500 if over 50 years old) across all your Roth IRAs is relatively low, which decreases the utility of these accounts as a tax-efficient vehicle.

Although the crypto Roth IRA market is still young and has a modest number of options, alternative ways of investing in cryptocurrency are available to anyone considering an investment for retirement purposes. These alternatives include crypto funds, staking, and other types of IRAs based on crypto.

The leading crypto Roth IRA providers, such as iTrustCapital, BitIRA and Bitcoin IRA, also offer crypto IRA accounts. These are essentially traditional IRAs that hold crypto in their portfolios. The key difference between these IRAs and Roth IRAs is how your contributions and withdrawals are treated from a taxation perspective. 

With Roth IRAs, your contributions aren't tax-deductible, but your future withdrawals in retirement are. In contrast, you receive a tax break from your contributions to traditional IRAs, but you get taxed for your withdrawals after retirement. Experienced investors may be interested in 

, which can hold diverse alternative assets and are available as either traditional or Roth IRA.

Traditional investment providers are also likely to expand soon into the niche of crypto retirement accounts — and become formidable competitors to the IRA providers specializing in crypto. For instance, Fidelity Investments, the largest retirement investment provider in the U.S., 

 that it plans to start providing a crypto option for its 401(k) accounts. It’s likely just a matter of time before Fidelity and its key competitors expand the crypto option to IRAs and Roth IRAs.

Planning for your gray years doesn’t have to be limited to retirement accounts only. Other investment account types are also a great option for a good income stream later in life. One of these account types is an exchange-traded fund (ETF), specifically a 

Crypto ETFs allow you to mix your investments in crypto and traditional asset classes in a product that may be traded on the stock exchange. These ETFs are a great option for a hands-off approach to investment management.

Other fund types — e.g., mutual funds, index funds and trusts — are suitable for a passive, hands-off approach to investment. Many of these funds offer a mix of crypto and traditional assets, while some are based solely on cryptocurrency products. For instance, the world’s largest crypto fund vehicle, 

 (GBTC), allows you to own Bitcoin as an index-based product, without having to purchase it directly.

Another option for low-risk investment in crypto is 

, which was initially associated with locking your funds on a blockchain network to help process transactions. Over time, staking has also come to refer to a variety of crypto investment products on centralized exchanges (CEXs) and other crypto trading platforms.

lets you invest in crypto to derive low-risk, principal-guaranteed, high-yield income.

Granted, crypto Roth IRAs may be risky, due to cryptocurrencies’ price volatility. However, they do come with significant tax benefits, and they allow exposure to crypto, an asset class with high growth potential. For now, the landscape of crypto Roth IRAs is relatively limited, with several specialized providers on the market. However, traditional retirement investment providers are likely to join the race in the not-so-distant future. When they do, your product options will expand significantly.

In the meantime, don’t forget that retirement planning isn’t limited to Roth IRAs or other types of retirement accounts. Alternative products, like Bybit Savings and other crypto fund types, are also a solid option for low-risk investment for your best years ahead.

Can You Hold Crypto in Your Roth IRA?

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