In this article, we’ll review the Top Bitcoin IRA Competitors for Retirement Funds and compare their retirement account options, cryptocurrency choices, fees, custody models, security features, minimum investment requirements, and rollover support.
This comparison will help readers understand how different Bitcoin IRA providers structure their services and what key factors to consider when evaluating crypto-focused retirement investment platforms.
What Is a Bitcoin IRA Competitor?
A Bitcoin IRA competitor is a company or retirement-investment platform that offers a different way to gain exposure to Bitcoin or cryptocurrency via an Individual Retirement Account (IRA).
The structures offered by these providers can be Traditional, Roth, SEP, or rollover IRA depending on eligibility. Within each category, models can vary in their choice of cryptocurrencies, custody, trading fees, annual account costs, minimum investments, security controls and rollover support.
Some platforms are dedicated solely to Bitcoin, while others provide a variety of digital currencies or combine crypto investing with traditional brokerage services. When comparing competitors, investors should look at the whole fee structure, custody model, assets supported, account choices and how retirement funds are transferred.
Why Compare Bitcoin IRA Competitors for Retirement Funds?
Compare total cost – Consider trading fees, annual account fees, custody fees, spreads, transfer fees and other charges that can affect long-term retirement balances.
Think About Custody Models – There are various models of custody available to providers (e.g. institutional custodians, cold storage, multisignature systems, brokerage-based custody, etc).
Review IRA Offerings – Find out what types of accounts each platform offers, including whether they have Traditional, Roth, SEP, Rollover, and other eligible retirement-account options.
Check Rollover Support – If you are moving existing retirement savings, look for support for IRA transfers, 401(k) rollovers and other eligible retirement-plan transfers.
Cryptocurrency Selection Comparison – Some platforms only offer Bitcoin, while others give access to multiple cryptocurrencies, thus offering different levels of asset selection to investors.
Know Minimum Requirements – Minimum requirements for accounts and investments can vary widely, so this is an important consideration for investors with retirement funds of different sizes.
Review Security Measures – Assess disclosure of private-key management, cold storage, multisignature technology, institutional custody, account protection and other security measures.
Know How Distribution Works – Retirement investors should look into the options for distributions, which include withdrawals, cash distributions, in-kind digital-asset distributions, transfers, and any account requirements that may apply for each provider.
Compare Investment Models – Some providers offer self-directed investing, while others offer brokerage-integrated, Bitcoin-focused or managed investment approaches.
Spot Platform Variances – Comparing providers side-by-side can help you understand differences in fees, custody, supported assets, account structures, rollover processes, and other retirement-specific features.
Actual Cost of Using Each Platform
The real cost of a Bitcoin IRA is more than the advertized trading fee as investors also have to contend with costs for accounts, custody, management, conversions, transfers or performance. For example, iTrustCapital offers no monthly or annual maintenance fees, but it charges 1% on the purchase and sale of electronic assets.
There is no crypto custody fee with Fidelity Crypto IRA, but there is a 1% fee to buy and sell. Unchained IRA charges a $250 annual fee plus trading fees. BlockTrust has a different fee structure: 2% annual management fee, 0.14% trading fee, and 25% performance fee on profits.
That said, investors should evaluate total costs based on account size, trading frequency, custody, and holding period rather than simply comparing one fee.
Key Points
| Bitcoin IRA Competitor | Key Point | Retirement Model | Main Focus |
|---|---|---|---|
| iTrustCapital | Self-directed crypto IRA | Traditional, Roth & SEP | Bitcoin, crypto & precious metals |
| Alto CryptoIRA | Transitioned crypto IRA offering | Previously Traditional, Roth & SEP | Multiple cryptocurrencies |
| BitIRA | Specialized digital-asset IRA | Traditional, Roth, SEP & SIMPLE | Multiple digital assets |
| Choice (Kingdom Trust) | Alternative-asset IRA platform | Self-directed IRA | Crypto & alternative investments |
| Swan Bitcoin IRA | Bitcoin-focused retirement account | Traditional, Roth & SEP | Bitcoin |
| Unchained IRA | Bitcoin-only IRA with multisig custody | Traditional, Roth & SEP | Bitcoin & self-custody structure |
| IRA Financial Crypto IRA | Broad self-directed crypto IRA | Multiple IRA structures | Cryptocurrency investing |
| Fidelity Crypto IRA | Brokerage-integrated crypto IRA | Traditional, Roth & Rollover | Bitcoin, Ethereum, Litecoin & Solana |
| My Digital Money IRA | Self-directed digital-asset IRA | IRA-based retirement investing | Multiple cryptocurrencies |
| BlockTrust IRA | Self-directed and managed crypto IRA | IRA retirement investing | Crypto portfolio management |
1. iTrustCapital
iTrustCapital is a self-directed crypto IRA platform for Traditional, Roth and SEP IRAs for retirement investing in digital investments. It holds assets with a qualified third-party custodian, uses institutional storage through Coinbase Custody, Fidelity Online Assets and Fireblocks, and doesn’t allow for self-directed wallets.
iTrustCapital charges no monthly or annual maintenance fee, and crypto transactions currently have a 1% transaction fee. The minimum opening is $1,000 and minimum additional deposits are $500. Provides no maximum rollover amount and supports IRA transfers and qualified-plan rollovers.
| Feature | Details |
|---|---|
| Retirement Model | Self-directed crypto IRA |
| IRA Types | Traditional, Roth and SEP IRA |
| Crypto Focus | Bitcoin and multiple digital assets |
| Custody Model | Qualified third-party custody through Fortis Bank; institutional digital-asset storage includes Coinbase Custody, Fidelity Digital Assets and Fireblocks. |
| Key Control | Client does not directly hold private keys inside the IRA |
| Security | MPC, offline cold storage, SOC 2 Type II-related institutional providers and commercial crime insurance |
| Trading Fee | 1% per crypto transaction |
| Account Fee | No monthly account fee according to current comparison information |
| Minimum | $1,000 initial investment |
| Rollover Support | Supports eligible IRA transfers and qualified retirement-plan rollovers |
| Asset Selection | Broad cryptocurrency selection plus precious metals |
| In-Kind Distribution | Available for eligible retirement distributions |
| Personal Wallet | IRA assets cannot be held in the investor’s personal wallet |
| Major Feature | Combines crypto and precious-metals exposure within a self-directed IRA |
2. Alto CryptoIRA
Alto’s CryptoIRA was a self-directed retirement product that enabled customers to invest in cryptocurrency through an IRA structure with custody provided by the Alto Trust. But there’s been a big change to this product. **Alto announced in November 2025 that it sold its CryptoIRA business to Public, with a transition planned for 2026.
Today, Alto is focused on alternative investments such as private equity, venture capital, real estate and private credit. Therefore, Alto CryptoIRA should be marketed as a transitioned/discontinued direct offering and not as a standalone current crypto IRA competitor.
| Feature | Details |
|---|---|
| Retirement Model | Previously offered a self-directed CryptoIRA |
| Current Status | Alto sold its CryptoIRA business to Public in November 2025 |
| Current Crypto Provider | Public assumed the CryptoIRA business as part of the transition |
| Custody Model | Alto stated it would continue serving as custodian during the transition |
| Investment Model | Cryptocurrency investing inside an IRA |
| IRA Structure | Alto historically supported Traditional, Roth and SEP IRAs |
| Crypto Access | Previously provided cryptocurrency trading through CryptoIRA |
| Rollover Support | CryptoIRA customers could fund accounts through retirement-account transfers/rollovers |
| Current Availability | Should not be treated as a standalone Alto crypto IRA for a current-provider comparison |
| Transition | Public planned to integrate the CryptoIRA functionality into its platform during 2026 |
| Major Feature | Historical Alto CryptoIRA infrastructure combined self-directed retirement accounts with crypto investing |
| Important Note | Current product availability and terms should be attributed to Public rather than presented as a new Alto CryptoIRA product. |
3. BitIRA
BitIRA offers self-directed Digital Currency IRAs for Traditional, Roth, SEP and SIMPLE IRA structures, and certain employer-plan rollovers. Its custody model depends on Equity Trust Company and electronic assets use multi-party-computation security rather than requiring investors to manage private keys directly.
BitIRA claims it has no setup or ongoing fees. Equity Trust includes a liquidity cost of up to 1% in its digital-asset transaction pricing. Most eligible IRAs can be rolled over. 401(k), 403(b), 457 and TSP eligibility will depend on the individual plan circumstances.
| Feature | Details |
|---|---|
| Retirement Model | Self-directed Digital Currency IRA |
| IRA Types | Traditional, Roth, SEP and SIMPLE IRA options |
| Crypto Focus | Digital currencies |
| Custody Model | Qualified third-party IRA custody |
| Security Model | Institutional digital-asset custody and security controls |
| Trading Structure | Digital-currency transactions are subject to provider/custodian costs |
| Setup Fee | Provider pricing should be checked against the current account agreement |
| Annual Fee | Depends on the applicable account/custody arrangement |
| Minimum | Minimum funding varies according to the selected account structure |
| Rollover Support | Supports eligible retirement-account transfers and rollovers |
| Employer Plans | Certain 401(k), 403(b), 457 and TSP rollovers may qualify depending on plan rules |
| Asset Control | Digital assets remain inside the qualified retirement-account structure |
| Distribution | Retirement distributions are subject to applicable IRA rules |
| Major Feature | Specialized infrastructure for investors seeking direct digital-asset exposure through retirement accounts |
4. Choice (Kingdom Trust)
Powered by Kingdom Trust’s alternative-asset retirement infrastructure, Choice is based on self-directed retirement accounts that can hold alternative investments, including digital assets as well.
Choice fee documentation (as of October 2023) for historical Kingdom Trust shows no annual custody fee for digital property and a 1% digital-asset transaction fee (verify current account terms, as Kingdom Trust is transitioning operations into Digital Trust)
Rollover and transfer support is available, but outgoing transfer fees can include a stated $100 per-asset transfer-out fee. So double-check current pricing and custody before publication.
| Feature | Details |
|---|---|
| Retirement Model | Self-directed IRA / alternative-asset retirement model |
| IRA Structure | Designed for retirement accounts holding alternative investments |
| Crypto Focus | Digital assets |
| Custody Model | Kingdom Trust/related qualified custody infrastructure |
| Digital-Asset Fee | Historical Choice fee schedule lists a 1% annual digital-asset custody fee |
| Transaction Fee | Historical schedule lists 1% for digital-asset transactions |
| Other Investments | Can support alternative assets beyond cryptocurrency |
| Rollover Support | Designed to receive eligible retirement transfers and rollovers |
| Account Flexibility | Self-directed structure allows alternative investment exposure |
| Minimum | Depends on investment and account structure |
| Transfer Costs | Historical Choice documentation includes digital-asset transfer-out charges |
| Key Control | Custody remains within the retirement-account framework |
| Major Feature | Broader self-directed alternative-investment structure rather than a Bitcoin-only platform |
| Important Note | Kingdom Trust has announced operational changes toward Digital Trust, so current Choice pricing and availability should be verified before publication. |
5. Swan Bitcoin IRA
Swan Bitcoin IRA is for Bitcoin-only retirement investing — not for building a diversified basket of cryptocurrencies. Its model accommodates IRA transfers and rollovers, including assistance with larger transfers. Swan says transfers and rollovers are $0 fees and there is no account minimum.
The current fee structure is a 0.02% assets-on-platform charge with a $20 monthly minimum, PLUS a 1% Bitcoin trading fee. Swan does not allow IRA bitcoin to be held personally, but rather uses a custodial structure while offering specialized Bitcoin retirement onboarding and support.
| Feature | Details |
|---|---|
| Retirement Model | Bitcoin-focused IRA |
| IRA Types | Traditional, Roth and SEP IRA structures |
| Crypto Focus | Bitcoin |
| Custody Model | Specialized institutional Bitcoin custody |
| Investment Approach | Bitcoin-only retirement exposure |
| Trading Fee | 1% Bitcoin trading fee |
| Platform Fee | 0.02% of assets on platform with a $20 monthly minimum |
| Setup Fee | $0 setup fee |
| Minimum | No account minimum stated by Swan |
| Rollover Support | Supports IRA transfers and retirement-plan rollovers |
| Rollover Cost | Swan advertises $0 transfer and rollover fees |
| Security | Custodial controls and retirement-specific account infrastructure |
| Distribution | Retirement distribution options depend on applicable account rules |
| Major Feature | Concentrates specifically on Bitcoin rather than offering a broad multi-token IRA |
6. Unchained IRA
Unchained IRA is a Bitcoin-only retirement model that is predicated on collaborative custody, not traditional third-party-only key control. It has a unique custody model where the client holds two keys out of 2-of-3 multisignature technology.
Current pricing includes a $250 annual IRA fee, a 1.5% Bitcoin trading fee, and a $2,000 trading minimum for each USD IRA transfer, rollover, or annual contribution.
Unchained supports Traditional, Roth and SEP IRAs and provides support for IRA/401(k)/TSP rollovers. Other Fortis Bank charges may apply to distributions, wires, Roth conversions and account termination.
| Feature | Details |
|---|---|
| Retirement Model | Bitcoin-only self-directed IRA |
| IRA Types | Traditional, Roth and SEP |
| Crypto Focus | Bitcoin |
| Custody Model | 2-of-3 collaborative multisignature custody |
| Key Control | Client holds 2 of the 3 multisig keys |
| Annual Fee | $250 annual IRA fee |
| Trading Fee | 1.5% Bitcoin trading fee |
| Trading Minimum | $2,000 minimum for each USD IRA transfer, rollover or annual contribution |
| Rollover Support | Supports eligible IRA and qualified-plan rollovers |
| Security | Multisig architecture provides distributed key control |
| Asset Selection | Bitcoin only |
| Distribution | Supports in-kind Bitcoin distribution at retirement |
| Major Feature | Client-controlled 2-of-3 multisig structure distinguishes it from conventional fully custodial crypto IRAs. |
| Best Structural Difference | Investors maintain direct key participation rather than having all three keys controlled by a third-party custodian |
7. IRA Financial | Crypto IRA
IRA Financial’s Crypto IRA lets you invest directly and self-directed into cryptocurrency without the need for an LLC or checkbook-control structure. It currently has a $100 annual account fee, a 1% flat crypto trading fee and no minimum account balance — and trades start at $10.
Crypto holdings are held with Bitstamp’s regulated custodial infrastructure and most digital currencies are held offline in cold storage vaults. The platform supports Traditional IRAs, Roth IRAs, and other retirement structures. Eligible IRA and 401(k) rollovers can be transferred into a Crypto IRA if properly completed.
| Feature | Details |
|---|---|
| Retirement Model | Self-directed Crypto IRA |
| IRA Types | Traditional, Roth and other self-directed retirement structures |
| Crypto Focus | Multiple cryptocurrencies |
| Custody Model | Institutional digital-asset custody through Bitstamp |
| Alternative Assets | Can integrate crypto with broader self-directed alternative investments |
| Setup Fee | $0 according to current provider information |
| Annual Fee | Provider materials show annual account fees depending on the structure |
| Trading Fee | 1% per crypto trade in the provider’s published comparison |
| Minimum | No universal large crypto minimum; account requirements depend on structure |
| Rollover Support | Supports eligible IRA and 401(k) rollovers |
| Self-Direction | Designed for investors seeking greater control over retirement investments |
| Asset Selection | Broad digital-asset selection |
| Additional Structure | Checkbook/self-directed options may be available depending on account setup |
| Major Feature | Combines cryptocurrency investing with a broader self-directed retirement framework. |
8. Fidelity Crypto IRA
Fidelity Digital Assets offers a brokerage-integrated retirement option, Fidelity Crypto IRA, with Traditional, Roth and Rollover IRAs . Fidelity has crypto custody and trading in its ecosystem and says it has no fees to open accounts, maintain them or hold crypto Currently, there is a 1% fee on buy and sell transactions for crypto trading. Available cryptocurrencies depending on state availability include:
Bitcoin, Ethereum, Litecoin, and Solana. The funding account must be a corresponding Fidelity brokerage IRA. Fidelity provides cold-vaulted storage and monitored security infrastructure, but crypto can’t be transferred directly in or out of the Crypto IRA.
| Feature | Details |
|---|---|
| Retirement Model | Brokerage-integrated crypto IRA |
| IRA Types | Traditional, Roth and Rollover IRA |
| Crypto Focus | Bitcoin, Ethereum, Litecoin and Solana |
| Custody Model | Fidelity Digital Assets provides crypto custody and trading |
| Brokerage Requirement | Requires a corresponding Fidelity brokerage IRA with the same registration type |
| Account Fee | No account-opening or maintenance fee |
| Custody Fee | No separate crypto custody fee |
| Trading Fee | 1% on crypto buy and sell transactions |
| Direct Crypto Transfer | Crypto cannot currently be transferred into or out of the Fidelity Crypto IRA |
| Funding | Money moves from the linked brokerage IRA into the Crypto IRA |
| Security | Institutional-level security and monitored custody infrastructure |
| Geographic Availability | U.S.-based availability with state restrictions |
| Major Feature | Integrates crypto retirement investing with Fidelity’s established brokerage ecosystem. ( |
9. My Digital Money IRA
My Digital Money offers a self-directed digital-asset IRA model that allows investors to buy actual cryptocurrencies – rather than ETF exposure – using retirement funds. The platform claims no setup fee and charges crypto trading fees from 1.70% to 0.75% depending on the size of the transaction.
It uses Equity Trust as the third-party custodian in its custody model; MDM does not hold client funds or perform custody transactions. Instead, clients use the platform to instruct Equity Trust to buy, sell and hold electronic assets within their IRA.
| Feature | Details |
|---|---|
| Retirement Model | Self-directed digital-asset IRA |
| IRA Structure | Retirement account designed for direct cryptocurrency exposure |
| Crypto Focus | Multiple digital assets |
| Custody Model | Equity Trust acts as the third-party custodian |
| Platform Role | My Digital Money provides the investment interface while the custodian holds the retirement assets |
| Setup Fee | $0 setup fee |
| Trading Fee | Published trading fees vary according to transaction size |
| Minimum | Account/investment minimums depend on the selected funding structure |
| Rollover Support | Supports eligible retirement-account funding methods |
| Asset Ownership | Digital assets are held within the IRA rather than a personal taxable wallet |
| Security | Custodial infrastructure separates retirement assets from the platform’s operating assets |
| Distribution | Subject to applicable retirement-account distribution rules |
| Major Feature | Combines a digital-asset trading interface with qualified third-party IRA custody |
10. BlockTrust IRA
BlockTrust IRA has two options for retirement investment: self-managed crypto trading and a AI trading strategy. Its self-directed option has a 0.4% trading fee, a $1,000 initial minimum and a $250 annual IRA custodial fee. Its AI strategy has a 0.14% fee, $25,000 minimum, 25% performance fee on profits and waives the $250 custodial fee under the stated offer.
BlockTrust also advertizes $0 setup fees and direct ownership of your crypto assets. The platform has different minimums and fee structures so each trading model should be evaluated separately.
| Feature | Details |
|---|---|
| Retirement Model | Self-directed crypto IRA with optional AI-managed strategy |
| Crypto Focus | Digital assets |
| Self-Managed Fee | 0.4% trading fee |
| Self-Managed Minimum | $1,000 starting minimum |
| Annual Custody Fee | $250 for the self-managed structure |
| AI Strategy | Separate AI-driven retirement strategy |
| AI Strategy Fee | Published fee of 0.14% |
| AI Minimum | $25,000 |
| Performance Fee | Published AI strategy includes a 25% performance fee on profits |
| Setup Fee | $0 setup fee |
| Custody | Retirement assets held within the applicable IRA custody structure |
| Investment Choice | Investors can choose between self-directed trading and the AI-oriented strategy |
| Rollover Support | Designed for retirement-account funding and rollover use |
| Major Feature | Offers two distinct crypto-retirement models, making its fee and minimum structure different depending on the strategy selected |
Bitcoin IRA Competitors Comparison Table
| Provider | Retirement Model | Custody Model | IRA Types | Crypto Focus | Fee Structure | Minimum | Rollover Support | Key Feature |
|---|---|---|---|---|---|---|---|---|
| iTrustCapital | Self-directed crypto IRA | Qualified third-party custodian; Fortis Bank | Traditional, Roth, SEP | Bitcoin + multiple digital assets | 1% per crypto transaction; no monthly account fee | $1,000 | IRA transfers and eligible retirement-plan rollovers | 24/7 trading, crypto + precious metals, institutional custody |
| Alto CryptoIRA | Previously self-directed CryptoIRA | Alto Trust during its former offering | Traditional, Roth, SEP | Multiple cryptocurrencies | Former CryptoIRA pricing; current terms transitioned to Public | Product transitioned | Previously supported transfers and rollovers | CryptoIRA business sold to Public in 2025 |
| BitIRA | Self-directed digital-currency IRA | Qualified third-party custody | Traditional, Roth, SEP, SIMPLE | Multiple digital currencies | Custody and transaction costs vary by account structure | Varies | IRA and eligible employer-plan rollovers | Specialized digital-asset retirement infrastructure |
| Choice (Kingdom Trust) | Self-directed alternative-asset IRA | Kingdom Trust / related custody infrastructure | Self-directed IRA structures | Digital assets + alternative investments | Historical Choice pricing included transaction/custody charges | Varies | Supports eligible transfers and rollovers | Broad alternative-asset investment structure |
| Swan Bitcoin IRA | Bitcoin-focused IRA | Institutional third-party custody | Traditional, Roth, SEP | Bitcoin | 1% trading fee + 0.02% assets-on-platform fee with $20 monthly minimum | No account minimum stated | IRA transfers and retirement-plan rollovers | Bitcoin-focused retirement investing |
| Unchained IRA | Bitcoin-only self-directed IRA | 2-of-3 collaborative multisig | Traditional, Roth, SEP | Bitcoin only | $250/year + 1.5% trading fee | $2,000 trading minimum | IRA, 401(k), TSP rollovers | Client controls 2 of 3 multisig keys |
| IRA Financial Crypto IRA | Self-directed Crypto IRA | Third-party institutional custody | Traditional, Roth and other structures | Multiple cryptocurrencies | Published trading/account fees vary by structure | Varies | IRA and eligible 401(k) rollovers | Self-directed retirement framework |
| Fidelity Crypto IRA | Brokerage-integrated crypto IRA | Fidelity Digital Assets | Traditional, Roth, Rollover | BTC, ETH, LTC, SOL | No opening/maintenance/custody fee; 1% buy/sell fee | No stated account minimum | Rollover IRA support | Integrated Fidelity brokerage ecosystem |
| My Digital Money IRA | Self-directed digital-asset IRA | Equity Trust as third-party custodian | IRA-based crypto investing | Multiple digital assets | Trading fees vary by transaction size | Varies | Eligible retirement funding/rollovers | Digital-asset interface with qualified custody |
| BlockTrust IRA | Self-directed + AI-managed IRA options | IRA custody structure | Crypto retirement accounts | Digital assets | Self-managed: 0.4%; AI strategy: 0.14% + performance fee | $1,000 self-managed; $25,000 AI strategy | Retirement rollover support | Combines self-directed and AI-oriented strategies |
Conclusion
Choosing between Bitcoin IRA competitors is more than just looking at the fees they advertize. Retirement investors should examine the IRA type, custody structure, supported electronic assets, rollover process, minimum investment, trading costs, annual account fees, security provisions and distribution policies.
The providers we cover take a variety of approaches, from Bitcoin-specific providers such as Swan Bitcoin IRA and Unchained IRA to more general crypto platforms like iTrustCapital, BitIRA, and IRA Financial Crypto IRA.
Fidelity Crypto IRA offers a brokerage-integrated approach, while other providers provide specialized digital-asset retirement services. Investors should check the provider’s terms and get a clear picture of costs and how the account is structured before moving retirement funds.
FAQ
What is a Bitcoin IRA competitor?
A Bitcoin IRA competitor is a platform or retirement-account provider that offers an alternative way to gain Bitcoin or other cryptocurrency exposure through an IRA or similar retirement structure. Providers can differ in custody, fees, supported assets, account types, and rollover options.
Which IRA types can hold Bitcoin?
Depending on the provider, Bitcoin may be available through Traditional, Roth, SEP, or other self-directed IRA structures. Availability varies by provider, so investors should verify the specific account types before opening an account.
Can I roll over a 401(k) into a Bitcoin IRA?
Some providers support eligible 401(k) rollovers into a Bitcoin or crypto IRA. The availability and process depend on the existing retirement plan and provider. Investors should confirm rollover eligibility before moving funds.
What fees should I compare between Bitcoin IRA providers?
Compare trading fees, annual account fees, custody charges, spreads, setup fees, transfer fees, withdrawal costs, and any percentage-based asset fees. Looking at the total cost is more useful than comparing only one advertised fee.
Do Bitcoin IRAs hold actual Bitcoin?
Some crypto IRA providers allow retirement accounts to hold actual Bitcoin or other digital assets. Other retirement options may provide cryptocurrency exposure through investment products such as ETFs rather than directly holding Bitcoin.
