Swan IRA vs SALT Lending
Swan IRA vs SALT Lending: What the Data Shows
Swan IRA (Bitcoin IRA) and SALT Lending (yield and lending) serve different corners of the Bitcoin ecosystem, but the question that matters most is the same: who controls the keys? Swan IRA scores 68/100 (B-) versus 50/100 (C-) for SALT Lending. 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 35 points toward Swan IRA (60 vs. 25). Both platforms carry single-point-of-failure risk, but Swan IRA mitigates it more effectively through its Custodial IRA approach. On fees, Swan IRA wins by 25 points. Swan IRA charges 0.99% + custody compared to Varies by LTV at SALT Lending. Over a multi-year holding period, fee differences compound — a point worth considering for long-term accumulators. SALT Lending stands out on features (70 vs. 80), reflecting SALT Lending's product breadth and tooling.
The Custody Question
Neither Swan IRA nor SALT Lending has fully eliminated single-point-of-failure risk. Swan IRA uses Custodial IRA and SALT Lending uses Single Custodian. Both models leave your bitcoin exposed to custodial concentration risk — if that one entity fails, your bitcoin could be locked, seized, or lost. For long-term holders, this is the most important factor to weigh.
Bottom Line
Swan IRA is the clear choice here, outscoring SALT Lending by 18 points across our six-category methodology. Keep in mind these platforms target different audiences — Swan IRA is built for simple retirement, while SALT Lending serves borrowers. One thing to watch with SALT Lending: past operational issues. single custodian. regulatory concerns.. The data speaks for itself — but always verify our methodology and do your own due diligence before moving bitcoin to any platform.
Which is better, Swan IRA or SALT Lending?
Based on our six-category scoring methodology, Swan IRA scores higher at 68/100 compared to 50/100. 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.
Is Swan IRA safe for storing Bitcoin?
Swan IRA scored 60/100 on custody and security in our methodology. It does carry single-point-of-failure risk, meaning your bitcoin depends on one entity's security. Its custody model is classified as Custodial IRA. Always verify these details and do your own research.
Does SALT Lending have a single point of failure?
Yes. SALT Lending uses a Single Custodian model, which means a single compromised entity could put your bitcoin at risk. This is a structural concern for long-term holders.
What are the fees for Swan IRA vs SALT Lending?
Swan IRA charges 0.99% + custody. SALT Lending charges Varies by LTV. Swan IRA scored 70/100 on fees versus 45/100 for SALT Lending in our methodology.