Crypto.com Unleashes IRA Letting Americans Hold 400+ Cryptos

• Americans can now hold over 400 cryptocurrencies inside IRAs
• com merges stocks and digital assets in one account
• Trump policy shift boosts crypto access in retirement plans

Crypto.com has introduced a new individual retirement account in the United States that allows users to hold more than 400 cryptocurrencies alongside traditional stocks. The product, available through the Crypto.com app, offers both Traditional and Roth IRA options. As a result, American investors can now manage digital assets and equities within a single tax-advantaged account.

The move comes as interest in crypto exposure within retirement portfolios continues to expand. In August, President Donald Trump, the current President of the United States, signed an executive order directing regulators to revisit earlier guidance that discouraged the inclusion of cryptocurrencies in 401(k) plans. Consequently, financial institutions have started broadening access to digital assets in long-term savings products.

Crypto.com’s IRA enables users to invest in equities and exchange-traded funds while also holding bitcoin, ether, and hundreds of additional tokens. Moreover, some of those tokens qualify for staking or lockup programs, allowing account holders to generate rewards within the IRA. The company states in its FAQ that staking rewards are taxed in the year they are earned, although overall tax treatment depends on IRS rules and individual circumstances.

Kris Marszalek, co-founder and chief executive of Crypto.com, said the launch represents another step in giving consumers streamlined access to both crypto and stock investments. He emphasized that the platform aims to combine multiple asset classes in one place, simplifying how individuals approach long-term financial planning.

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Retirement Market Shifts Drive Crypto Integration

Momentum around crypto in retirement accounts has increased in recent months. Lawmakers introduced a House bill later in the year seeking to reinforce the policy shift signaled by the executive order. Additionally, Morgan Stanley announced in October that it would extend access to crypto funds across various client accounts, including retirement plans.

However, Crypto.com’s new product differs from a 401(k) because it is not employer-sponsored. Instead, it functions as an individual retirement account that users open directly through the platform. The company has not disclosed custodial details for the stock component, nor has it specified which exchange-traded funds will be supported.

Nevertheless, the headline feature remains clear. Americans can now hold more than 400 cryptocurrencies inside a tax-advantaged IRA structure through a single app. That combination reflects a broader convergence between digital assets and traditional finance as regulatory attitudes evolve and investor demand grows.

Conclusion

Crypto.com’s new IRA underscores how crypto continues to move deeper into mainstream retirement planning. As policy direction shifts and institutions expand access, integrated products like this are likely to shape how Americans build diversified portfolios for the future.

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