Bitcoin ETFs, IRAs & Loans

Ways to get Bitcoin exposure where a company holds the coins for you: spot ETFs, retirement accounts, brokerages and Bitcoin-backed loans. These are custodial; for holding your own keys see Self-Custody. Not financial advice.

Bitcoin IRAs

• Bitcoin IRA · IRA provider for buying and holding bitcoin in retirement accounts, with assets held in cold storage by a qualified custodian.

• BitIRA · US self-directed IRA provider for holding bitcoin and other digital assets in a retirement account, with rollovers from 401(k)s and IRAs.

• Choice · Retirement app that opens an IRA for investing in bitcoin and other assets, with a qualified-custodian cold storage option or a hold-your-own-keys option.

• Coin IRA · US IRA company operating since 2017 offering Bitcoin plus fractional gold and silver in one retirement account.

• Equity Trust · Self-directed IRA custodian that lets you hold and trade bitcoin in a retirement account

• Fidelity Crypto IRA · Fidelity retirement account for holding bitcoin directly in Roth, Traditional or Rollover IRAs, with no account fees and a spread on trades.

• IRA Financial · Self-directed retirement account provider offering an IRA for holding Bitcoin, plus checkbook IRAs and Solo 401(k) plans.

• iTrustCapital · IRA platform for buying and holding bitcoin inside tax-advantaged retirement accounts.

• My Digital Money · Self-directed IRA platform for buying Bitcoin, or shares in physical gold, silver and platinum, inside a retirement account.

• Noble Gold Investments · Self-directed retirement accounts that hold bitcoin and precious metals

• Onramp · Bitcoin financial services firm in Austin offering a Bitcoin IRA and brokerage with multi-institution 2-of-3 custody across Onramp, BitGo and CoinCover.

• Swan IRA · Bitcoin IRA from Swan in Traditional and Roth form, with rollovers from 401(k), 403(b) and other IRAs. Held with self-directed IRA custodian Equity Trust.

• Unchained IRA · Bitcoin IRA held in multisig cold storage where you control two of three keys. Traditional, Roth, SEP IRA and Solo 401(k) options.

Bitcoin-Backed Loans

• Abra · Financial firm offering bitcoin-backed loans, bitcoin yield and custody

• Arch · US lender offering USD or USDC loans backed by bitcoin and other assets, with collateral held at qualified custodian Anchorage Digital.

• Clapp · Credit line that lets you borrow cash against bitcoin you already hold

• Coinbase Bitcoin-Backed Loans · Borrow USDC against bitcoin in the Coinbase app, with loans issued onchain through Morpho on Base. Available in the US (excluding NY) and UK.

• Featured Coinrabbit · Bitcoin-backed loans: borrow against your BTC as collateral with no credit checks, plus a wallet and exchange.

• Debifi · Non-custodial bitcoin-backed lending platform where bitcoin collateral is held in multisig, connecting borrowers with lenders.

• Figure · US lender offering cash loans secured by Bitcoin with same-day approval and no credit score check, alongside HELOCs.

• Firefish · Peer-to-peer Bitcoin-backed loan platform where collateral is locked in multisig escrow on the Bitcoin blockchain. Borrow fiat.

• Hodl Hodl Lend · Peer-to-peer lending platform where bitcoin collateral sits in multisig escrow and borrowers receive loans from lenders.

• Lava · Bitcoin-backed lending app that lets users borrow dollars against bitcoin, with collateral held in onchain escrow contracts.

• Ledn · Bitcoin-backed loans in USD using BTC as the only collateral. The lender states collateral is never lent out to earn interest.

• Lendasat · Platform for borrowing fiat against bitcoin, with collateral locked in a non-custodial escrow.

• Milo · US lender offering bitcoin-backed mortgages and loans where bitcoin is pledged as collateral instead of a cash down payment.

• Nexo · Digital asset platform offering a bitcoin-backed credit line that lets users borrow against their bitcoin without selling it.

• SALT Lending · One of the longest-running bitcoin lenders, offering bitcoin-backed cash loans with 1 to 5 year terms and multiple loan-to-value options in most US states.

• Sovryn · Decentralized bitcoin lending and trading platform with zero-interest borrowing

• Strike · Bitcoin-backed term loans and lines of credit from Strike in select US states, with no credit check and funding typically within one business day.

• Unchained · Bitcoin-backed loans where collateral sits in multisig, with Unchained, a partner bank and the borrower each holding a key. Minimums apply.

• Vield · Australian lender providing Australian dollar loans secured by Bitcoin at up to 50% LVR, plus white-label lending for platforms.

• YouHodler · Bitcoin-backed loans that let you borrow against bitcoin without selling it

Brokerages for Bitcoin

• Charles Schwab · US brokerage offering spot bitcoin trading through dedicated accounts, rolled out in 2026, plus trading of spot bitcoin ETFs in brokerage accounts.

• Coinhouse · French platform to buy bitcoin with a bank transfer or card

• eToro · Multi-asset investing platform where users can buy bitcoin, with availability and products varying by country.

• Fidelity Crypto · Account for buying and selling bitcoin directly, alongside brokerage access to spot bitcoin ETFs including its own FBTC.

• Interactive Brokers · Global brokerage offering spot bitcoin trading alongside stocks and spot bitcoin ETFs, with low commissions and access from many countries.

• moomoo · Trading app offering bitcoin through a US subsidiary in supported US states, plus stocks and ETFs including the spot bitcoin ETFs.

• Public · Investing app offering bitcoin traded 24/7 and custodied by zerohash, plus stocks and spot bitcoin ETFs.

• Robinhood · Commission-free US brokerage app where users can buy and sell bitcoin and trade the spot bitcoin ETFs in a brokerage account.

• SoFi Crypto · US bank and brokerage app that offers bitcoin buying and selling alongside stocks, ETFs and banking.

• tastytrade · US brokerage for active traders offering bitcoin trading alongside stocks, options and futures, including spot bitcoin ETFs.

• Trade Republic · European broker and bank where customers invest in stocks, ETFs and Bitcoin from 1 euro.

• Webull · Trading app offering bitcoin trading, plus stocks and ETFs such as the spot bitcoin ETFs.

Spot Bitcoin ETFs

• ARK 21Shares Bitcoin ETF (ARKB) · Spot bitcoin ETF from 21Shares and ARK Invest, ticker ARKB. Management fee 0.21% per 21Shares; custodians include Anchorage, BitGo and Coinbase.

• Bitwise · Asset manager offering a spot bitcoin ETF that can be bought in a regular brokerage account

• Bitwise Bitcoin ETF (BITB) · Spot bitcoin ETF from Bitwise, ticker BITB. Sponsor fee 0.20% per the issuer site; bitcoin custodian Coinbase Custody.

• CoinShares Bitcoin ETF (BRRR) · Spot bitcoin ETF from CoinShares (formerly Valkyrie), ticker BRRR. Sponsor fee 0.25%; bitcoin custodied by Coinbase Custody and BitGo.

• Evolve ETFs · Canadian ETF provider with a bitcoin ETF (EBIT) and a leveraged bitcoin ETF

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