Unchained IRA vs SALT Lending

Unchained IRA (fintech) 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? In our scoring model, Unchained IRA holds a commanding lead at 81/100 (B+) compared to SALT Lending at 50/100 (C-). That 31-point gap reflects real, measurable differences in how each platform handles custody, fees, and transparency.

Where Each Platform Wins

Custody and security — the most heavily weighted category in our methodology at 35% — tilts 59 points toward Unchained IRA (84 vs. 25). Unchained IRA eliminates single points of failure in its custody architecture, while SALT Lending relies on a model where one compromised entity could put your bitcoin at risk. On fees, Unchained IRA wins by 29 points. Unchained IRA charges $250/yr + trading 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 ease of use (60 vs. 76), reflecting SALT Lending's user experience and onboarding flow.

The Custody Question

Here's the key difference: Unchained IRA has no single point of failure (Collaborative Multisig IRA), while SALT Lending does (Single 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 is the clear choice here, outscoring SALT Lending by 31 points across our six-category methodology. Keep in mind these platforms target different audiences — Unchained IRA is built for 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.