Onramp vs Broad Financial

Onramp (dedicated custody) and Broad Financial (Bitcoin IRA) serve different corners of the Bitcoin ecosystem, but the question that matters most is the same: who controls the keys? In our scoring model, Onramp holds a commanding lead at 90/100 (A) compared to Broad Financial at 66/100 (C+). That 24-point gap reflects real, measurable differences in how each platform handles custody, fees, and transparency.

Where Each Platform Wins

Custody and security — the most heavily weighted category in our methodology at 35% — tilts 24 points toward Onramp (94 vs. 70). On fees, Onramp wins by 7 points. Onramp charges $250/mo compared to $400/yr + setup at Broad Financial. Over a multi-year holding period, fee differences compound — a point worth considering for long-term accumulators. Onramp's strongest advantage is in transparency (90 vs. 55), where Onramp's approach to proof-of-reserves and public documentation makes a measurable difference.

The Custody Question

Both Onramp and Broad Financial have addressed the single-point-of-failure problem — neither relies on a single custodian or a single set of keys. That puts both platforms ahead of the majority of the industry. The difference comes down to implementation: Onramp uses Multi-Institution Custody, while Broad Financial uses Checkbook Control IRA.

Bottom Line

Onramp is the clear choice here, outscoring Broad Financial by 24 points across our six-category methodology. Keep in mind these platforms target different audiences — Onramp is built for institutions & hnw, while Broad Financial serves self-directed. One thing to watch with Broad Financial: irs compliance complexity. self-custody burden. setup complexity.. The data speaks for itself — but always verify our methodology and do your own due diligence before moving bitcoin to any platform.