My Digital Money offers a self‑directed crypto IRA platform that lets U.S. investors buy and hold Bitcoin, Ethereum, other approved digital assets, and shares of physical gold, silver, and platinum within a tax‑advantaged retirement account. Assets are stored in a custodial trust with Equity Trust and protected by military‑grade cold storage, ensuring the provider cannot lend or use client funds. The service provides real‑time trading, no monthly fees, and U.S. phone support for both IRA rollovers and standard accounts.
Funding
Funding not disclosed
Founders
Product
Problem
Investors seeking retirement diversification lack a secure, tax‑advantaged way to hold cryptocurrencies and precious metals, and many existing platforms either expose assets to lending risks or require complex, fee‑laden processes.
Solution
My Digital Money provides a self‑directed crypto IRA platform that lets U.S. investors buy and hold Bitcoin, Ethereum, and other approved digital assets, as well as physical gold, silver, and platinum, within an individual retirement account. Assets are held in a custodial trust with Equity Trust, ensuring the provider cannot lend or use the funds. The platform uses military‑grade cold storage via Ledger Institutional Wallet and offers a user‑friendly web interface, real‑time trading, and U.S. phone support. Investors can fund accounts through ACH, wire, or roll over existing IRAs and 401(k)s, and the service applies tax‑advantaged growth (tax‑free or tax‑deferred) without monthly or account fees.
Target Audience
U.S. individual investors who want to include cryptocurrencies or precious metals in their retirement portfolios, including existing IRA or 401(k) holders and new retirement savers seeking a self‑directed, secure solution.
Features
- Custodial trust ownership of crypto and precious metals through Equity Trust, preventing the provider from borrowing or lending client assets
- Military‑grade cold storage with multilayer HSM solutions and A‑rated insurance via Ledger Institutional Wallet
- Integrated IRA/401(k) rollover workflow that completes most transfers within 2–5 business days
- Real‑time trading of top cryptocurrencies and metal shares through a web‑based platform with stop‑loss and auto‑order tools
- No monthly or account maintenance fees; only standard transaction costs
- U.S.‑based phone support and educational resources, including a free practice “play money” account
- Tax‑advantaged account types (Roth and Traditional crypto IRAs) enabling tax‑free or tax‑deferred growth