COMING SOON

Crypto Staking

Earn Rewards on Your Retirement Investments

Put your crypto to work. Stake supported digital assets inside a tax-advantaged IRA and earn rewards while your investments grow for retirement.

Earn passive crypto rewards inside your retirement account

Earn passive crypto rewards inside your retirement account

Staking lets your crypto work for you. By locking supported assets on a blockchain network, you may receive rewards while maintaining tax-advantaged retirement exposure.

Staking lets your crypto work for you. By locking supported assets on a blockchain network, you may receive rewards while maintaining tax-advantaged retirement exposure.

Earn Rewards

Earn Rewards

Stake supported cryptocurrencies and earn recurring rewards without needing to time the market.

Stake supported cryptocurrencies and earn recurring rewards without needing to time the market.

Tax-Advantaged Growth

Tax-Advantaged Growth

Potential rewards remain inside an IRA, giving investors a smarter way to compound crypto exposure.

Potential rewards remain inside an IRA, giving investors a smarter way to compound crypto exposure.

No Extra Effort

No Extra Effort

Once your assets are staked, supported protocols can generate rewards for your retirement account.

Once your assets are staked, supported protocols can generate rewards for your retirement account.

$12B+

$12B+

Assets Under Custody

Assets Under Custody

250K+

250K+

Community Members

Community Members

★★★★★

4.7 / 5

4.7 / 5

rating

rating

COMING SOON

1. Open an Account

Sign up in minutes. Add online KYC and secure identity verification.

2. Fund and Purchase

Fund your account and purchase a staking-eligible cryptocurrency.

3. Stake and Earn

Opt in to staking and start earning rewards deposited directly into your IRA.

Top Benefits of Crypto Lending with Retired.com

Compounding Returns

Staking add to your balance over time, creating a compounding effect inside your tax-advantaged account.

Transparent Terms

Clear information on reward rates, lock-up periods, and any associated fees. No surprises.

Institutional Security

Staked assets remain secured with institutional-grade custody and cold storage protocols.

Expert Support

Our retirement specialists can help you understand which assets are eligible.

Ways to fund your Crypto Staking account

Transfer an existing IRA

Transfer an existing IRA

Already have an IRA? Move it to Retired.com without triggering taxes or penalties.

Already have an IRA? Move it to Retired.com without triggering taxes or penalties.

401(k) Rollovers

401(k) Rollovers

Transfer your old 401(k) or employer plan tax-free into a Crypto IRA. We handle the paperwork.

Transfer your old 401(k) or employer plan tax-free into a Crypto IRA. We handle the paperwork.

Make a new contribution

Make a new contribution

Start fresh with a direct contribution. Annual limits apply based on your account type.

Start fresh with a direct contribution. Annual limits apply based on your account type.

Strategies

Your Crypto Staking Blueprint, for Free

Want to learn more about how staking works and which assets offer the best reward potential? Explore our resource center for staking guides, reward calculators, and retirement-focused strategies.

Frequently Asked Crypto Staking Questions

What is crypto staking?

Crypto staking is the process of locking up certain cryptocurrencies on a blockchain network to help validate transactions. In return, you earn rewards, often paid in the same cryptocurrency you staked. Think of it like earning interest on a deposit, but for blockchain networks.

How does staking work inside an IRA?

When you stake crypto inside a Retired.com IRA, the process works the same as staking on any platform, but the rewards are deposited directly into your tax-advantaged account. This means your staking rewards grow tax-deferred in a Traditional IRA or tax-free in a Roth IRA.

Which cryptocurrencies can I stake?

Staking eligibility depends on the blockchain protocol. Retired.com supports staking on a selection of eligible assets, including: ADA (Cardano), ETH (Ethereum), Solana (SOL), Polkadot (DOT) and SUI (SUI).

What kind of rewards can I expect?

Staking reward rates vary by cryptocurrency and network conditions. Rates can range from a few percent to higher yields depending on the asset and the current staking environment. Our team can provide current reward rate information for each eligible asset.

Are there lock-up periods for staking?

Some assets require a lock-up period during which your staked crypto cannot be traded or withdrawn. Lock-up terms vary by asset. Our team provides full transparency on lock-up requirements before you commit to staking.

What are the risks of staking?

Staking carries risks including price volatility of the staked asset, potential lock-up periods that limit liquidity, and protocol-level risks such as slashing (a penalty for validator misbehavior on certain networks).

What fees apply to staking?

Retired.com charges a 1% per-trade fee when purchasing staking-eligible assets and a $50 monthly account fee. Specific staking-related fees, if any, are disclosed before you opt in. There are no account setup fees and no transfer fees.

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Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice.

Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com.

Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.

Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.

The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented in reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.

© 2026 Retired.com. All rights reserved.

Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice.

Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com.

Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.

Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.

The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented in reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.

© 2026 Retired.com. All rights reserved.

Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice.

Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com.

Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.

Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.

The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented in reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.

© 2026 Retired.com. All rights reserved.