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Fit follows the custody model, not the brand.
Separate institutions each hold a key under their own ceremony; no one of them can move funds.
You hold most keys, the provider holds one, and no single party can move funds alone.
N/A
Onramp (dedicated custody) and Unchained IRA (Bitcoin IRA) serve different corners of the Bitcoin ecosystem, but the question that matters most is the same: who controls the keys? The scores are close — Onramp at 90/100 (A) and Unchained IRA at 81/100 (B+). When the gap is this narrow, the details matter: custody model, single points of failure, and the fine print on fees.
Custody and security — the most heavily weighted category in our methodology at 35% — tilts 7 points toward Onramp (97 vs. 90). On fees, Onramp wins by 16 points. Onramp charges $250/mo compared to $250/yr + 1.5% trading at Unchained IRA. Over a multi-year holding period, fee differences compound — a point worth considering for long-term accumulators.
Both Onramp and Unchained IRA 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 Unchained IRA uses Collaborative Multisig IRA.
Onramp edges out Unchained IRA by 9 points. It's a close call, and the right choice depends on your specific situation — how much bitcoin you're holding, how often you need access, and whether you prioritize only platform with multiple regulated custodians and jurisdictions. inheritance, dynasty trusts, insurance on segregated incidents. over ira in collaborative multisig. client holds keys. tax-advantaged bitcoin.. Keep in mind these platforms target different audiences — Onramp is built for institutions & hnw, while Unchained IRA serves retirement. One thing to watch with Unchained IRA: requires hardware devices. sdira complexity. irs reporting burden..
Based on our six-category scoring methodology, Onramp scores higher at 90/100 compared to 81/100. The biggest differentiator is custody security, which accounts for 35% of the overall score. However, the right choice depends on your individual needs — review the category breakdown above.
Onramp scored 97/100 on custody and security in our methodology. It has no single point of failure, distributing custody across multiple entities. Its custody model is classified as Multi-Institution Custody. Always verify these details and do your own research.
No. Unchained IRA has eliminated single-point-of-failure risk through its Collaborative Multisig IRA model, distributing keys or access across multiple entities.
Onramp charges $250/mo. Unchained IRA charges $250/yr + 1.5% trading. Onramp scored 84/100 on fees versus 68/100 for Unchained IRA in our methodology.
Onramp offers dedicated inheritance or beneficiary features. Unchained IRA does not advertise a dedicated inheritance feature. Match the mechanism, whether beneficiary designation, trust titling, or key inheritance, to your estate plan.
Onramp carries insurance of up to $100 million per incident, through Lloyd's of London. Unchained IRA's custody insurance is not publicly disclosed. Custody insurance covers specific named events up to shared limits, not price loss or every failure mode. Verify current terms before relying on coverage.
Onramp manages keys for you; you hold none. Unchained IRA involves the holder in key control. This is the core structural difference to weigh.