Unchained IRA vs Fidelity Digital Assets

Unchained IRA (Bitcoin IRA) and Fidelity Digital Assets (dedicated custody) serve different corners of the Bitcoin ecosystem, but the question that matters most is the same: who controls the keys? The scores are close — Unchained IRA at 81/100 (B+) and Fidelity Digital Assets at 76/100 (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

On custody and security, these two are within 4 points of each other (84 vs. 80). When custody scores are this close, look at the specifics: key management model, insurance coverage, and whether either platform has a single point of failure. Unchained IRA's strongest advantage is in features (88 vs. 75), where Unchained IRA's product breadth and tooling makes a measurable difference.

The Custody Question

Here's the key difference: Unchained IRA has no single point of failure (Collaborative Multisig IRA), while Fidelity Digital Assets does (Qualified Custodian). 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

Unchained IRA edges out Fidelity Digital Assets by 5 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 ira where you hold keys. 2-of-3 multisig. tax-advantaged bitcoin. over backed by fidelity's brand and balance sheet. regulated. soc 2 type 2.. Keep in mind these platforms target different audiences — Unchained IRA is built for self-sovereign retirement, while Fidelity Digital Assets serves tradfi. One thing to watch with Fidelity Digital Assets: single custodian. traditional finance approach to a novel asset class..