Crypto.com IRAs give your retirement savings the benefit of tax-advantaged investing across over 12,000 stocks and ETFs and over 400 cryptocurrencies - all from the Crypto.com App
Crypto Trading
How do I trade crypto in my IRAs?
Trading crypto in your IRAs works just like regular trading in the Crypto.com App. You can use automated features such as Recurring Buy or Limit Order. Simply select your Traditional IRA or Roth IRA as the receiving account when placing a trade.
To trade crypto in your IRA:
On the Crypto.com App home screen, tap Buy or Sell
Select the cryptocurrency you want to buy or sell
Enter the amount
Next to the Review order button, select your Traditional IRA or Roth IRA as the account
Follow the on-screen instructions to complete your transaction
How do I stake in my IRA?
On the Crypto.com App home screen, tap Staking from the main menu
Select the asset you'd like to stake
Enter the staking amount
Next to the Review order button, select your Traditional IRA or Roth IRA as the account
Follow the on-screen instructions to complete your transaction
Staking rewards earned from IRA assets are deposited directly into your IRA Crypto Wallet.
For general information about Staking, visit this FAQ.
Does staking in my IRA generate taxable income (UBTI)?
The tax treatment of staking rewards earned in a retirement account is currently uncertain, and the IRS has not provided definitive guidance on how such rewards are treated for retirement accounts.
You are responsible for consulting a qualified legal, tax, or investment professional with respect to the taxable treatment of digital asset transactions within your IRA and any resulting obligations.
Does Crypto.com withhold taxes on staking rewards?
Crypto.com does not withhold taxes on staking rewards earned in your IRA.
What happens if IRS guidance changes in the future?
The tax and regulatory treatment of digital assets, including staking rewards, is uncertain and may change.
Future IRS guidance, legislative action, or enforcement activity could alter the tax treatment of digital asset transactions in retirement accounts or staking rewards or create new reporting or filing obligations, and such changes could apply retroactively.
Stocks and ETFs Trading
How do I trade stocks and ETFs and Whale Basket in my IRAs?
Trading stocks, ETFs, and Whale Baskets in your IRA is the same as doing so through your Stocks account. You simply need to select your Traditional IRA or Roth IRA as the receiving account when placing a trade.
To buy stocks and ETFs:
On the Crypto.com App home screen, tap Stocks from the main menu
Select the stock or ETF you want to buy
Enter the purchase amount
Next to the Review order button, select Traditional IRAs or Roth IRAs as the account
Follow the on-screen instructions to complete your transaction
To buy Whale Baskets:
On the Crypto.com App home screen, tap Stocks from the main menu
Select the basket you want to buy
Enter the purchase amount
Next to the Review order button, select Traditional IRAs or Roth IRAs as the account
Follow the on-screen instructions to complete your transaction
Securities Lending
The Securities Lending Program enables you to earn passive income by lending the stocks in your account through our clearing firm, Apex Clearing Corporation (‘Apex’).
Once enrolled, whole shares of your stocks will be lent to investors, financial institutions, and other market makers. These parties pay Apex a market-driven interest rate and typically use the borrowed stocks to facilitate short selling.
When your shares are lent, you’ll receive interest on them, which is accrued daily and paid out monthly.
Who can enroll in Securities Lending?
All Crypto.com App users who have created Crypto.com IRAs can enroll in Securities Lending, subject to these limitations:
Users aged 55 years or below are not eligible for Securities Lending if:
Both their annual income and net worth are less than $25,000, or
Their stated investing goal is capital preservation
Users aged above 55 years are not eligible for Securities Lending if:
Either their annual income or net worth is less than $25,000, or
Their stated investing goal is capital preservation
How do I opt into Securities Lending?
Follow these steps to opt in or out of the program:
Go to Settings > Account > Securities Lending Program
Read the applicable disclosures for related risks before you opt into the Securities Lending Program.
Toggle on or off Lending Status to opt in or opt out of the program
Can I still access my stocks when they are lent out?
Yes. You retain full ownership of your stocks and are able to sell them at any time. This means you always have the option to exit the market, where you would realize any potential gains or losses.
When your shares are on loan, you waive your voting rights and may receive payments in lieu of dividends, which could impact your taxes. Your shares are not covered by SIPC protection during this time, but Apex must post collateral exceeding 100% of their value at a partner bank. There’s also a risk that Apex could default on returning your shares. Additionally, your loaned shares may be used for short selling, potentially affecting their market price.
Corporate Actions
Corporate actions are events initiated by a company that affect its stock and shareholders. Common types of corporate actions include:
Dividends: Payments made to shareholders from a company's earnings. You will receive dividends in your account on the scheduled payment date.*
Stock Splits: When a company increases the number of its outstanding shares by splitting existing shares. For example, in a 2-for-1 split, each shareholder will receive an additional share for every share owned, effectively reducing the share price.
Reverse Stock Splits: When a company decreases the number of its outstanding shares by consolidating existing shares. For example, in a 1-for-2 reverse stock split, each shareholder will receive one share for every two they had previously, thereby doubling the price. The total dollar value of the shareholder’s position remains the same.
Stock Spin-Offs: This occurs when a company creates a new independent company by selling or distributing new shares. Shareholders typically receive shares in the new company based on their existing holdings.
Rights Issues: When a company offers existing shareholders the right to purchase additional shares at a discounted price, usually to raise capital.
Mergers and Acquisitions: When companies combine, or one company acquires another, impacting shareholder ownership and stock value.
A record of the dividends you receive can be viewed from your Transaction History.
How will I know when a corporate action has taken place for a stock I hold?
You will be notified via push notification and email when a corporate action has taken place for a stock that you hold. These communications will inform you of actions that you need to take, if any.
It is important to review the notifications and understand how each action may affect your investments.
What are the fees and charges for trading stocks and ETFs in my Crypto.com IRAs?
We do not charge commissions for stocks and ETFs trading. However, the U.S. regulatory organizations charge the following fees for securities trading:
SEC Regulatory Transaction Fee
The U.S. Securities and Exchange Commission (SEC) charges a Regulatory Transaction Fee (RTF) to all U.S. brokerage firms, including Foris Capital US LLC, to cover the costs of supervision and regulation. RTF fees are charged on securities sales only, and Foris Capital will pass this fee to our customers. Fee rates can be adjusted both annually and mid-year.
FINRA Trading Activity Fee
The Financial Industry Regulatory Authority (FINRA) charges a Trading Activity Fee (TAF) for certain market trading activity, including to Foris Capital US LLC, to recover the costs of supervision and regulation. TAFs are charged on securities sales only, and Foris Capital US LLC will pass this fee to our customers. Fee rates can be adjusted both annually and mid-year.
American Depositary Receipts Fee
The American Depositary Receipts fee (ADR fee) is charged by the depositary bank that issues the ADRs to cover the costs of creating and managing the ADR. The fee is usually expressed as a percentage of the ADR's value or a fixed amount per share.
If you have any questions, please contact our Customer Support team anytime on the Crypto.com App menu > Support > Contact Support. Our IRA Customer Support live chat team is there on Monday to Friday 8am - 6pm ET.