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You’ve already trusted BitcoinIRA¹ to help you invest in cryptocurrency for retirement. Now, you can do even more.
Introducing Freedom Accounts, BitcoinIRA’s non-retirement investing accounts designed to help you manage your crypto beyond your IRA. Whether you want to invest additional funds, transfer crypto you already own or earn potential staking² rewards, Freedom Accounts give you more flexibility, all from the same dashboard you already know.
With your IRA and Freedom Account working together, managing your digital assets has never been easier.
What Is a Non-IRA Investing Account?
A Freedom Account is BitcoinIRA’s non-retirement investing account. Unlike a Crypto IRA, which is designed for retirement savings and governed by IRS rules, a Freedom Account is a taxable investment account that allows you to invest in cryptocurrency without retirement account restrictions.
If you already have a BitcoinIRA account, your Freedom Account appears alongside your IRA, allowing you to manage both retirement and non-retirement investments from a single platform.
Think of it as giving your crypto portfolio two powerful tools:
- Your Crypto IRA for long-term retirement investing with potential tax advantages.
- Your Freedom Account for flexible crypto investing outside of retirement.
The Full Picture: How Your Freedom Account Works Alongside Your IRA
Many investors have different financial goals. Some assets are intended for retirement, while others are meant for shorter-term opportunities or everyday investing. That’s where Freedom Accounts come in.
Instead of choosing between retirement and non-retirement investing, BitcoinIRA lets you manage both side by side.
Your IRA continues serving as your retirement investment account, while your Freedom Account gives you the flexibility to invest additional funds, access more platform features, and manage existing crypto holdings, all without leaving the BitcoinIRA ecosystem.
Together, they create one complete crypto investing experience.
Crypto IRA vs. Freedom Account
Although both accounts let you invest in cryptocurrency, they’re designed for different purposes.
| Crypto IRA | Freedom Account |
|---|---|
| Built for retirement investing | Built for everyday crypto investing |
| Potential tax advantages depending on account type | Standard taxable investment account |
| Subject to IRS retirement rules | No retirement account restrictions |
| Annual contribution limits apply | No contribution limits |
| Retirement withdrawal rules apply | Withdraw funds whenever you choose* |
*A Freedom Account is a taxable investment account. Transactions may have tax implications. Consult a qualified tax professional regarding your individual situation.
No Contribution Limits. No Withdrawal Age Restrictions.
One of the biggest advantages of a Freedom Account is flexibility.
Unlike retirement accounts, Freedom Accounts are not subject to many of the rules that apply to IRAs.
That means:
- No annual contribution limits
- No required minimum distributions (RMDs)
- No retirement withdrawal age restrictions
This gives you the freedom to continue building your crypto portfolio whenever opportunities arise, regardless of your IRA contribution limits.
Investors will be able to use a Freedom Account to complement their retirement strategy by investing additional funds outside their IRA while keeping everything organized within the same platform.
What Can You Do With a Freedom Account?
Freedom Accounts unlock additional ways to manage your digital assets beyond retirement investing.
1. In-Kind Transfer: Already own crypto on another platform?
You can transfer supported cryptocurrencies directly into your Freedom Account from exchanges and wallets such as Coinbase, Kraken, Robinhood, and other supported platforms using an in-kind transfer.
Because you’re transferring the asset itself instead of selling it first, you can consolidate your crypto holdings within BitcoinIRA without needing to repurchase your assets.
BitcoinIRA does not charge any fees for in-kind crypto transfers, making it easy to move your eligible digital assets into your Freedom Account.
2. Earn Rewards Through Staking: Select cryptocurrencies held in your Freedom Account may be eligible for staking, allowing you to earn rewards while continuing to hold your assets.
3. Diversify With Crypto Bundles: Looking for a simplified investing experience? Freedom Accounts allow you to invest in Crypto Bundles³, collections of digital assets organized around specific investment themes. Bundles offer an easy way to gain diversified exposure to multiple cryptocurrencies with a single investment.
4. Manage Everything in One Dashboard: One login. One platform. One complete crypto investing experience.
Whether you’re investing for retirement, growing your personal crypto portfolio, or exploring additional platform features, you can manage both your Crypto IRA and Freedom Account from the same BitcoinIRA dashboard.
What Is an In-Kind Transfer?
If you already own cryptocurrency on another exchange or wallet, you don’t have to start from scratch to use your Freedom Account.
An in-kind transfer allows you to move supported cryptocurrency directly into your BitcoinIRA Freedom Account without first selling it. Instead of liquidating your assets, transferring cash, and buying crypto again, you simply transfer the digital asset itself. This can make it easier to consolidate your crypto portfolio while remaining invested throughout the transfer process.
BitcoinIRA supports inbound transfers from many of the industry’s leading crypto platforms, making it easy to consolidate your portfolio in one place.
Why Transfer Your Crypto to BitcoinIRA?
Bringing your crypto into BitcoinIRA gives you access to more than just a place to store your digital assets.
- No Selling Required: With an in-kind transfer, your cryptocurrency moves as-is from one platform to another. Because you’re transferring the asset itself instead of selling it first, you don’t need to liquidate your position before moving your holdings.
As with any investment transaction, tax consequences depend on your individual circumstances. Consider consulting a qualified tax professional with questions about your specific situation. - Manage Everything in One Dashboard: Once your crypto arrives in your Freedom Account, you can manage it alongside your Crypto IRA using the same BitcoinIRA dashboard.
Keeping your retirement and non-retirement investments together makes it easier to monitor your overall digital asset portfolio.
- Unlock Additional Features: After your transfer is complete, eligible assets can take advantage of additional BitcoinIRA features, including:
- Crypto staking to earn rewards on supported assets
- Crypto Bundles for diversified investing
- Buying, selling, and managing crypto from one platform
How to Transfer Crypto from Coinbase, Kraken, Robinhood, and Other Platforms
Transferring your cryptocurrency to a BitcoinIRA Freedom Account is straightforward. Follow these simple steps:
- Log in to your BitcoinIRA account
- Navigate to your Freedom Account and prepare your transfer.
- Log in to your external account
- Select the asset and transfer network
- Send a micro transaction first (strongly recommended for first-time transfers)
- Review, confirm, and track
Crypto transfers are only supported for non-retirement accounts. If you don’t already own crypto, you can also fund your Freedom Account with a standard bank deposit directly from your dashboard.
What to Expect During an In-Kind Transfer
The exact transfer time depends on the cryptocurrency being transferred, blockchain network conditions, and the sending platform’s processing times.
In general, you can expect the following process:
- Initiate your transfer from your external exchange or wallet.
- Wait for the blockchain transaction to receive the required network confirmations.
- Once the transfer is confirmed, your assets become available in your Freedom Account.
- From there, you can hold, trade, stake eligible assets, invest in Crypto Bundles.
Crypto or Cash, The Choice Is Yours
Funding your Freedom Account is designed to be flexible.
You can:
- Transfer supported cryptocurrency directly through an in-kind transfer.
- Fund your account with cash using a linked bank account.
Whether you’re consolidating crypto from another platform or making a new investment, both funding methods are available directly within your BitcoinIRA dashboard.
Benefits of an In-Kind Transfer
An in-kind transfer can help you:
- Transfer supported crypto directly from another platform
- Consolidate your digital assets into one account
- Stay invested without liquidating your holdings first
- Begin managing your transferred assets alongside your Crypto IRA within BitcoinIRA
When Should You Use Your IRA vs. Your Freedom Account?
Each account serves a different purpose.
Your Crypto IRA may be the better choice if your goal is long-term retirement investing and taking advantage of the potential tax benefits available through retirement accounts.
Your Freedom Account may be a better fit when you want to:
- Invest beyond IRA contribution limits
- Access your funds without retirement-age restrictions
- Transfer crypto you already own
- Explore features like Crypto Staking, and Crypto Bundles
- Build a personal crypto portfolio outside of retirement
Many BitcoinIRA customers choose to use both accounts together as part of a broader digital asset strategy.
Frequently Asked Questions
Can I have both a Crypto IRA and a Freedom Account?
Yes. Your Freedom Account is designed to complement your Crypto IRA, allowing you to manage both retirement and non-retirement investments from one platform.
Is a Freedom Account a retirement account?
No. Freedom Accounts are taxable investment accounts and are not retirement accounts.
Can I transfer crypto I already own?
Yes. You can transfer supported cryptocurrencies from eligible external wallets and exchanges through an in-kind transfer.
Do I need to sell my crypto before transferring it?
No. An in-kind transfer moves the cryptocurrency itself, allowing you to remain invested throughout the transfer process.
Can I use staking and Crypto Bundles?
Yes. Eligible Freedom Accounts can access supported platform features, including staking, crypto-backed loans, Crypto Bundles, and additional services as they become available.
Grow Your Crypto Portfolio Beyond Retirement
Your Crypto IRA is built to help you invest for retirement. Your Freedom Account expands what’s possible beyond it.
Together, they give you a more complete way to manage your digital assets, from long-term retirement savings to everyday crypto investing, staking, in-kind transfers, and diversified investment opportunities.
Whether you’re just getting started or expanding an existing portfolio, Freedom Accounts make it easier to manage your crypto, all in one place with BitcoinIRA.
2. Clients should be aware that staking involves risks, including potential loss of principal, and is not suitable for all investors. Clients are encouraged to speak with a CPA, Investment, or Tax Advisor to see if staking is right for them. Staking rewards are not guaranteed. Estimated APYs are subject to change based on network conditions, fees, and compounding frequency. Eligible assets may vary at the custodian’s discretion. Staked assets are subject to the terms of BitcoinIRA, the custodian, and applicable blockchain protocols.
3. Crypto bundles are provided for convenience only. Bundle names, descriptions, and the inclusion of any digital asset do not reflect market analysis, risk assessment, performance expectations, or investment strategy. The digital assets included in a bundle do not constitute investment advice, recommendations, or endorsements. Purchasing a bundle involves the same risks as purchasing the included digital assets individually. Account holders are responsible for conducting their own research and determining whether any digital asset is appropriate for their circumstances.
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