B — Taxable
Buy it, hold it, know where it is.
No age gates, no contribution limits, no rollover paperwork. In exchange, every sale is a taxable event and you carry the record-keeping. For a lot of people that trade is worth it.
Side by side
| Direct purchase | Digital asset IRA | |
|---|---|---|
| Annual limit | None | IRS contribution limit |
| Access | Any time | Penalty-free from 59½ |
| Tax on gains | Capital gains, in the year you sell | Deferred or exempt, by account type |
| Record-keeping | Yours, per disposal | Custodian reports |
| Insured | No | No |
General information, not tax advice. Your situation may differ — confirm with a qualified tax professional.
§ Custody
Where the assets sit.
This is the question that matters most and gets asked least.
Held with a qualified custodian
Assets are held in your name by a regulated custodian, with the majority of holdings kept in cold storage. You receive statements from the custodian, not filtered through us.
We never hold your keys
There is no wallet to connect on this website and no seed phrase to enter, here or anywhere. If any firm — including one claiming to be us — asks for a private key or seed phrase, it is not us and it is not legitimate.
Withdrawals go back the way they came
Proceeds are returned to the bank account on record in your name. We won't send funds to a third party, and we'd treat a request to do so as a sign that something is wrong.
§ Before you buy
Sizing beats timing.
The most useful question isn't which asset or when. It's how much of your total picture this represents, and whether you could watch that amount fall by three quarters without changing a decision you've already made.
If the honest answer is no, the position is too large. That's a conversation worth having out loud with someone, before the money moves.
§ Enquiry
Ask before you commit.
We'll come back within one business day.