#36 of 115 in the US ranking · Crypto IRA

Public Crypto IRA Review (October 2026): Fees, US States and Licenses

Best for: Low-cost crypto IRA

6.0/10

US access 20%9.0
Regulation 20%1.5
Security record 15%6.0
Cost 15%5.0
Range 10%7.6
Popularity 15%7.4
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
Coins40
CustodyCustodial
App Store4.7 ★ · 85K

Our verdict

Public's Crypto IRA, the successor to Alto CryptoIRA, offers Traditional and Roth accounts holding 40+ cryptocurrencies. Alto Trust Co., a New Mexico trust company, is the IRA custodian and zerohash executes and holds the crypto. Trades cost up to 1.25%, and a 0.05% monthly custodial fee applies. Public adds a 1% match on annual contributions, subject to a five-year hold.

Pros

1% match on annual IRA contributions
40+ cryptocurrencies in Traditional or Roth IRAs
Published fee schedule: up to 1.25% per trade

Cons

0.05% monthly custodial fee unless a Reserve member
Match must stay five years to avoid a removal fee
Not available in all states; exclusions not listed

Public Crypto IRA fees

Maker / taker: — Not verified
Simple buy: $0.49 flat on orders up to $10, scaling to 1.25% of order amount on orders above $500
Volume tiers: Investment Plan (recurring) crypto orders: 1.25%. API crypto: 0.60% at $0-$10K monthly volume down to 0.10% at $100M+.
ACH deposit: — Not verified
Wire deposit: — Not verified
Card purchase: — Not verified
USD withdrawal: — Not verified
Crypto withdrawal: No Public fee; network fee plus a $0.53 KYT fee
Other fees: Crypto IRA custodial fee 0.05% per month, accrued daily and charged monthly in arrears; waived for Public Reserve members
Minimum deposit: — Not verified

Is Public Crypto IRA available in my state?

As of Oct 2026 Public offers Traditional and Roth crypto IRAs custodied by Alto Trust Co. with crypto services from zerohash; the page says services may not be available in all states.

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

'Services may not be available in all states'; excluded states not listed

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

Is Public Crypto IRA regulated?

Bank charter

US operator: Alto Trust Co. (IRA custodian); zerohash llc and zerohash trust company llc (crypto services)
Parent company: Public (Public Holdings, Inc.; not verified)
State licenses: — Not verified
New York license: — Not verified
Bank charter: Alto Trust Co. is a New Mexico trust company; zerohash trust company llc is a North Carolina chartered trust company
Other: Crypto execution by zerohash llc (NMLS 1699379, NY BitLicense)
Founded: — Not verified
Headquarters: — Not verified

How secure is Public Crypto IRA?

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 Public Crypto IRA

Spot
Recurring buys
IRA
Stocks & ETFs
API

Traditional and Roth crypto IRAs with a 1% match on annual contributions up to the IRS limit ($7,500 in 2026); matched funds must stay 5 years to avoid an early removal fee.

Apps: Web, iOS
Support: — Not verified

Public Crypto IRA FAQ

What are Public Crypto IRA's fees?

Simple buy: $0.49 flat on orders up to $10, scaling to 1.25% of order amount on orders above $500.

Is Public Crypto IRA regulated in the US?

US customers are served by Alto Trust Co. (IRA custodian); zerohash llc and zerohash trust company llc (crypto services). Registrations and licenses on record: Bank charter.

Does Public Crypto IRA require ID verification?

Yes. Public Crypto IRA verifies your identity before you can trade.

How many cryptocurrencies can I trade on Public Crypto IRA?

About 40 cryptocurrencies are available to US users, per Public Crypto IRA's official asset list.

Alternatives to Public Crypto IRA

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