Swan Bitcoin vs Fidelity Crypto

Swan Bitcoin and Fidelity Crypto both operate in the exchange and brokerage space, but they take fundamentally different approaches to how your bitcoin is held. The scores are close — Swan Bitcoin at 78/100 (B+) and Fidelity Crypto at 74/100 (B). When the gap is this narrow, the details matter: custody model, single points of failure, and the fine print on fees.

Where Each Platform Wins

Custody and security — the most heavily weighted category in our methodology at 35% — tilts 6 points toward Swan Bitcoin (76 vs. 70). Both platforms carry single-point-of-failure risk, but Swan Bitcoin mitigates it more effectively through its Single Custodian + Vault approach. On fees, Swan Bitcoin wins by 5 points. Swan Bitcoin charges 0.99% - 1.49% compared to 1% spread at Fidelity Crypto. Over a multi-year holding period, fee differences compound — a point worth considering for long-term accumulators.

The Custody Question

Neither Swan Bitcoin nor Fidelity Crypto has fully eliminated single-point-of-failure risk. Swan Bitcoin uses Single Custodian + Vault and Fidelity Crypto 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 Bitcoin edges out Fidelity Crypto by 4 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 ira offerings. swan vault for collaborative custody. strong educational community. over trusted brand. integrated with existing fidelity accounts.. Keep in mind these platforms target different audiences — Swan Bitcoin is built for retail & ira, while Fidelity Crypto serves traditional. One thing to watch with Fidelity Crypto: limited to three cryptocurrencies. single custodian..