Self-Directed IRA LLC Formation
Self-Directed IRA LLC for Cryptocurrency
Take greater control of cryptocurrency transactions within your retirement account through a properly structured Self-Directed IRA LLC.
We establish the structure. You make the investment decisions.
A clear path to checkbook control
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Retirement Account
You open or transfer a retirement account to a self-directed IRA custodian.
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Self-Directed IRA Custodian
The custodian administers the IRA and holds the retirement assets at your direction.
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IRA-Owned LLC
We form a special-purpose LLC that is owned by your IRA and managed by you.
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Cryptocurrency Account / Wallet
The LLC opens an account or wallet in its own name to hold cryptocurrency.
Serving Self-Directed IRA Clients Since 2005 | BBB A+ Rating | Nationwide IRA LLC Formation
Established Structure
Recognized IRA LLC framework for self-directed investing
Properly Formed
Customized operating agreement with prohibited-transaction awareness
Independent Service
We don't sell, recommend, or hold cryptocurrency — you stay in control
Overview
What Is a Crypto Self-Directed IRA LLC?
A Crypto Self-Directed IRA LLC is a limited liability company owned by your self-directed IRA and managed by you. The IRA custodian directs retirement funds into the LLC, and as manager of the LLC you can transact directly from an LLC checking account — a setup often referred to as checkbook control.
With the LLC in place, you can open a cryptocurrency account or wallet in the name of the LLC and direct buy and sell transactions yourself, without seeking custodian approval for each trade. The structure is a recognized framework for self-directed retirement investing.
SDIRACrypto.com forms the LLC structure. We do not recommend, advise on, or execute cryptocurrency transactions. You select your own investments and service providers.
Key Concept
Checkbook Control
The IRA-owned LLC has its own checking account. As manager, you authorize transactions directly — without custodian approval for each trade.
The Structure
How the Structure Works
Funds move through a clear, established chain — from your retirement account to a self-directed IRA custodian, into an IRA-owned LLC, and on to a cryptocurrency account or wallet that you direct.
Retirement Account
You open or transfer a retirement account to a self-directed IRA custodian.
Self-Directed IRA Custodian
The custodian administers the IRA and holds the retirement assets at your direction.
IRA-Owned LLC
We form a special-purpose LLC that is owned by your IRA and managed by you.
Cryptocurrency Account / Wallet
The LLC opens an account or wallet in its own name to hold cryptocurrency.
Investor Directs Transactions
As LLC manager, you direct buy and sell transactions directly — without custodian approval for each trade.
This illustration is educational and does not constitute legal, tax, or investment advice.
Benefits of the Structure
Why Investors Use an IRA LLC for Cryptocurrency
Checkbook Control
Direct cryptocurrency transactions from an LLC checking account without seeking custodian approval for each trade.
Speed of Transaction
Act quickly on market opportunities without waiting for custodian processing of individual transactions.
Investment Choice
Select the cryptocurrencies and service providers you prefer — the structure does not limit you to a custodian's approved list.
Consolidated Structure
A single LLC holds retirement crypto investments with a clear operating agreement and EIN.
Established Framework
The IRA LLC is a recognized structure used for self-directed retirement investing for decades.
You Remain in Control
As manager of the IRA-owned LLC, you direct transactions yourself. We do not access or control your account.
What We Provide
Our IRA LLC Formation Service
We handle the formation and setup of the IRA-owned LLC so the structure is established correctly. You remain responsible for your investment decisions.
IRA LLC Formation
Formation of the special-purpose LLC to be owned by your self-directed IRA.
EIN Acquisition
Obtaining an Employer Identification Number for the IRA-owned LLC from the IRS.
Customized Operating Agreement
A tailored operating agreement reflecting the IRA-ownership structure and prohibited-transaction awareness.
Custodian Coordination
Coordination with your selected self-directed IRA custodian to direct IRA funds into the LLC.
Implementation Guidance
Guidance on opening the LLC checking account and establishing the cryptocurrency account or wallet in the LLC's name.
Clear Boundaries
What We Do — and What We Don't Do
What We Do
- IRA LLC Formation — Formation of the special-purpose LLC to be owned by your self-directed IRA.
- EIN Acquisition — Obtaining an Employer Identification Number for the IRA-owned LLC from the IRS.
- Customized Operating Agreement — A tailored operating agreement reflecting the IRA-ownership structure and prohibited-transaction awareness.
- Custodian Coordination — Coordination with your selected self-directed IRA custodian to direct IRA funds into the LLC.
- Implementation Guidance — Guidance on opening the LLC checking account and establishing the cryptocurrency account or wallet in the LLC's name.
What We Don't Do
- Sell cryptocurrency
- Recommend cryptocurrencies or tokens
- Provide investment advice
- Manage client assets
- Take custody of cryptocurrency
- Hold wallet private keys
- Execute cryptocurrency transactions
Clients select their own investments and service providers.
Transparent Pricing
Plus applicable state filing fees
Our IRA LLC formation fee is a flat $1,495 and includes LLC formation, EIN acquisition, a customized operating agreement, coordination with your selected self-directed IRA custodian, and implementation guidance. Applicable state filing fees vary by state and are additional.
Please Read
Important IRA and Cryptocurrency Considerations
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Cryptocurrency is a volatile asset class. Values can change significantly and rapidly, and you may lose your entire investment.
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Cryptocurrency held in an IRA is not insured by the FDIC or SIPC, and is not protected by the same safeguards as traditional bank or brokerage assets.
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Self-directed IRA rules prohibit certain transactions, including transactions with disqualified persons. Violations can trigger taxes and penalties.
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The IRA LLC structure does not change your responsibility to comply with IRS rules governing IRAs and prohibited transactions.
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You are responsible for selecting your own cryptocurrency exchanges, wallets, and service providers, and for securing your own private keys.
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This information is educational only and is not legal, tax, or investment advice. Consult qualified professionals regarding your specific circumstances.
Get Started
Speak with an IRA LLC Specialist
Have questions about establishing a Self-Directed IRA LLC for cryptocurrency? Call us — we're happy to explain the structure and answer your questions with no pressure.
We establish the structure. You make the investment decisions.