Retire on
clean energy.
Diversify your IRA by owning premium, dividend-producing, clean-energy portfolios — funded directly with Bitcoin or Ethereum. The tax advantages of a retirement account, with the settlement simplicity of on-chain assets.
Annual Contribution
$7,000
Catch-up (50+)
$8,000
Management Fee
1.5%
Funding
BTC · ETH
Crypto-Native IRA
Tax-advantaged retirement, on-chain.
The Energea Crypto IRA is built for investors who want the durability of clean-energy infrastructure plus the cost basis and settlement benefits of digital assets. Defer or eliminate taxes on growth while your retirement allocation works inside real, dividend-producing renewable projects.
Durable Returns
Minimize risk while maximizing return.
Investments in real assets produce steady, long-term, contractually backed dividends. These assets are uncorrelated to equity and fixed-income markets and offer true diversification to any portfolio. Recent inflation and equity volatility have only intensified demand for alternative income — and renewables sit at the center of that demand.
Simple Platform
Retirement investing made transparent.
Funding your Crypto IRA happens entirely through the Energea platform — deposit BTC or ETH directly to your custody address. No paperwork, no ACH delays. Choose to roll over an existing retirement account or start with a fresh contribution; you control allocation across every active Energea portfolio.
How It Works
From wallet to retirement, in four steps.
Open the Account
Book a 30-minute call with our advisory team. We set up your Traditional or Roth Crypto IRA with our custodian partner.
Fund with Crypto
Send BTC or ETH to your dedicated IRA deposit address. The USD value lands in your retirement vault.
Choose Portfolios
Allocate across Energea Core, Weekly, Solarize SA, Solar USA, or Web3 Infrastructure — same investments as our standard accounts.
Compound Tax-Free
Yields and capital appreciation grow inside the tax wrapper until distribution. No quarterly tax bills.
Important Details
Frequently asked questions.
A Crypto IRA is a self-directed retirement account funded with digital assets (BTC, ETH) instead of fiat ACH transfers. The tax structure is identical to a Traditional or Roth IRA — contributions may be tax-deferred or tax-free depending on the account type. The difference is settlement: deposits move on-chain to a regulated custody address, no banking intermediaries, no multi-day clearing.
Get in Touch
Questions about the Crypto IRA?
Our advisory team can walk you through rollover mechanics, tax treatment, and which portfolios best fit your retirement timeline.
Risk & Tax Disclosure
Neither Energea nor any of its affiliates provide tax or investment advice. Tax treatment depends on individual circumstances and may change. Past performance is no guarantee of future results. Cryptocurrency markets are volatile; the USD value of BTC/ETH deposits may fluctuate between transmission and credit. All investments involve risk and may result in partial or total loss of capital. Consult your personal tax advisor and financial professional regarding the suitability of a Crypto IRA for your retirement strategy.