Crypto.com launches IRA product combining stocks and crypto

Crypto.com has launched a U.S.-based individual retirement account product that allows users to hold both stocks and cryptocurrencies within a single tax-advantaged account.

The offering includes Traditional and Roth IRA options and is accessible through the Crypto.com app, according to a company announcement on Tuesday.

Within the IRA, users can invest in equities and ETFs alongside digital assets. On the crypto side, the company said accounts can hold bitcoin, ether, and more than 400 additional tokens. Some tokens will also be eligible for staking or lockup programs, allowing users to generate rewards inside the IRA.

The company's FAQ states that staking rewards are taxed in the year they are earned, though overall tax treatment depends on IRS rules and individual circumstances.

"The launch of Crypto.com IRAs is our latest significant step in providing consumers the ability to act on and invest in financial opportunity," Kris Marszalek, co-Founder and CEO of Crypto.com, said in a release. "We are giving consumers the ability to build their future with the best investment products and opportunities in crypto and stocks, all seamlessly in one place."

Crypto 401(k)

The launch comes as policymakers and large financial institutions are increasingly expanding access to crypto in retirement portfolios.

In August, U.S. President Donald Trump signed an executive order directing regulators to revisit prior guidance that discouraged crypto in 401(k) plans. A House bill introduced later in the year sought to codify that shift.

Separately, Morgan Stanley said in October it would extend access to crypto funds across client accounts, including retirement plans.

Unlike 401(k)s, Crypto.com's product is an individual retirement account rather than an employer-sponsored plan. The company did not disclose custodial arrangements for the stock component or which specific ETFs will be supported.