Relai vs Alto IRA

Relai (exchange and brokerage) and Alto IRA (Bitcoin IRA) serve different corners of the Bitcoin ecosystem, but the question that matters most is the same: who controls the keys? Relai scores 78/100 (B+) versus 60/100 (C) for Alto IRA. The 18-point spread is meaningful — it usually comes down to custody architecture and fee structure.

Where Each Platform Wins

Custody and security — the most heavily weighted category in our methodology at 35% — tilts 32 points toward Relai (82 vs. 50). Relai eliminates single points of failure in its custody architecture, while Alto IRA relies on a model where one compromised entity could put your bitcoin at risk. On fees, Relai wins by 10 points. Relai charges 1% - 1.5% compared to 1% per trade + $10/mo at Alto IRA. Over a multi-year holding period, fee differences compound — a point worth considering for long-term accumulators. Alto IRA stands out on features (85 vs. 75), reflecting Alto IRA's product breadth and tooling.

The Custody Question

Here's the key difference: Relai has no single point of failure (Non-Custodial), while Alto IRA does (Custodial IRA). This matters because a single-point-of-failure model means one compromised entity — whether through a hack, insolvency, or government action — could result in total loss of funds. History has proven this risk is not theoretical. FTX, Celsius, and BlockFi all represented single points of failure for their users.

Bottom Line

Relai is the clear choice here, outscoring Alto IRA by 18 points across our six-category methodology. Keep in mind these platforms target different audiences — Relai is built for europe, while Alto IRA serves alternative ira. One thing to watch with Alto IRA: single custodian. monthly fees add up. broad focus, not btc-specialized.. The data speaks for itself — but always verify our methodology and do your own due diligence before moving bitcoin to any platform.