#76 of 115 in the US ranking · Crypto IRA

Choice (by Kingdom Trust) Review (October 2026): Fees, US States and Licenses

Best for: Self-custody bitcoin IRA

5.1/10

US access 20%9.0
Regulation 20%1.5
Security record 15%6.0
Cost 15%5.0
Range 10%4.6
Popularity 15%3.9
Data quality 5%7.0

By Vahe Hakobyan Verified October 5, 2026 Medium confidence No affiliate links

Taker fee— Not verified
US states— Not verified
New York— Not verified
Coins— Not verified
CustodyHybrid
App Store4.7 ★ · 1.5K

Our verdict

Choice is a retirement account platform operated by WAO Fintech with Digital Trust, a Nevada-regulated custodian. One IRA can hold bitcoin, other crypto, stocks, ETFs and gold. The cold storage option has no setup fee and a 1% annual custody fee; a self-custody option costs $625 to set up plus $13.33 per month. The site states no trade fees and no minimum balance.

Pros

Self-custody option to hold your own keys in an IRA
No account minimum and no stated trade fees
Crypto, stocks, ETFs and gold in one IRA

Cons

1% annual custody fee on cold-storage digital assets
Self-custody option costs $625 setup plus monthly fee
Spread on trades is not disclosed

Choice (by Kingdom Trust) fees

Maker / taker: — Not verified
Simple buy: Site states no trade fees on digital asset trading (spread not disclosed on pages opened)
ACH deposit: — Not verified
Wire deposit: — Not verified
Card purchase: — Not verified
USD withdrawal: — Not verified
Crypto withdrawal: — Not verified
Other fees: Cold storage option: $0 setup plus 1% annual custody fee on digital assets. Self-custody option: $625 setup plus $13.33 per month ($20 minimum monthly fee).
Minimum deposit: $0

Is Choice (by Kingdom Trust) available in my state?

As of Oct 2026 choiceapp.io is open for IRA sign-ups, with Digital Trust, a Nevada-regulated custodian, holding accounts; kingdomtrust.com redirects to the Choice site.

The list of states this platform serves is not verified yet.

New York: — Not verified
ID check (KYC): Yes
Withdraw crypto: — Not verified
Funding: — Not verified

Is Choice (by Kingdom Trust) regulated?

Bank charter

US operator: WAO Fintech (platform); Digital Trust (custodian)
Parent company: WAO Fintech
State licenses: — Not verified
New York license: — Not verified
Bank charter: Digital Trust: Nevada-regulated custodian (qualified custodian under the Investment Advisers Act of 1940 and 26 USC 408)
Founded: — Not verified
Headquarters: — Not verified

How secure is Choice (by Kingdom Trust)?

Proof of reserves: — Not verified
Audits: — Not verified
Insurance: — Not verified

Incidents since 2019

None found in the sources checked.

Crypto held on a platform is not covered by FDIC or SIPC insurance.

What you can do on Choice (by Kingdom Trust)

Spot
IRA
Stocks & ETFs
Self-custody wallet

Single IRA holding bitcoin, crypto, stocks, ETFs and gold; a 'Hold Your Own Keys' option lets the IRA owner self-custody bitcoin.

Apps: Web, iOS
Support: Phone, Help center

Choice (by Kingdom Trust) FAQ

What are Choice's fees?

Simple buy: Site states no trade fees on digital asset trading (spread not disclosed on pages opened).

Is Choice regulated in the US?

US customers are served by WAO Fintech (platform); Digital Trust (custodian). Registrations and licenses on record: Bank charter.

Does Choice require ID verification?

Yes. Choice verifies your identity before you can trade.

Alternatives to Choice (by Kingdom Trust)

Not financial advice. Crypto prices are volatile and you can lose everything you put in. World-Crypt earns nothing from the platforms reviewed here.