PROOFOFCUSTODY
Scores
Incidents
Learn
About
Get the Report
PROOFOFCUSTODY

The independent scoring system for Bitcoin custody. Every platform scored and ranked.

$1B+ in assets under custody expertise

No spam. Unsubscribe anytime.

PLATFORM SCORES
All ScoresCompareMethodologyIndependence StandardDataCustody Assessment
LEARN
Bitcoin 101Custody GuidesCustody InsuranceIs Your Setup Safe?Custody TimelineIncidentsFAQQuiz
COMPANY
AboutAuthorsEditorial IndependenceChangelogCorrections
RESOURCES
PodcastPressReport
CONNECT
Twitter / XLinkedInYouTubehello@proofofcustody.io
2026 Proof of Custody. Published by Onramp Bitcoin. Editorial Independence.PrivacyTermsproofofcustody.io
Back to Scores

Unchained IRA

B+
Collaborative Multisig IRADistributed1/4 independence pillarsRetirement
Visit Unchained IRA
By Steve L, Editorial Lead·Reviewed by Proof of Custody Editorial
·Last updated Feb 18, 2026
81
Custody & SecurityEase of UseFeesFeaturesTransparencySupport
Score Breakdown
Custody & Security35% weight
84
Ease of Use20% weight
76
Fees15% weight
74
Features10% weight
88
Transparency10% weight
82
Support10% weight
86
Assessment
Key Strength

IRA in collaborative multisig. Client holds keys. Tax-advantaged Bitcoin.

Primary Risk

Requires hardware devices. SDIRA complexity. IRS reporting burden.

Custody Features

Custody feature data not yet available.

Fees
$250/yr + trading
Minimum$0
Custody Independence Standard
1 of 4 pillars met
Vendor independenceDepends on configuration
Entropy independenceDepends on configuration
Control independenceMet
Operational independenceDepends on configuration

2 independent parties or systems must fail before a Unchained IRA holder's bitcoin is at risk.

  • •No single party can move funds, which is a genuine structural strength.
  • •Vendor and entropy independence depend on the holder using devices from different manufacturers. A holder who buys several units of the same model reduces this arrangement to a single vendor failure domain.
  • •The holder retains responsibility for geographic separation, device maintenance, and heir handoff.
How this is assessed →
Insurance

Unchained IRA's custody insurance is not publicly disclosed.

Frequently asked questions
Is Unchained IRA safe?+

Unchained IRA uses a collaborative multisig ira model and scores 81/100 in our independent review, including 84/100 on custody security. No single institution can unilaterally move funds. Safety depends on your priorities; see the full score breakdown above.

Is my bitcoin insured at Unchained IRA?+

Unchained IRA's custody insurance is not publicly disclosed in a form we can verify. Where it exists, custody insurance covers specific named events up to shared limits and does not cover price loss. Confirm coverage in writing before relying on it.

What happens to my bitcoin if Unchained IRA fails?+

Unchained IRA's architecture distributes control, so no single institution's failure alone can move or lose your bitcoin. Recovery depends on the specific structure; see the custody section above.

Does Unchained IRA support inheritance?+

Unchained IRA does not advertise a dedicated inheritance or beneficiary feature in the data we track. Confirm current options with the provider, since custody inheritance handling changes.

Compare

Unchained IRA vs Others

vs OnrampA
90/100
vs Onramp FinanceA
89/100
vs UnchainedA-
85/100
vs Onramp LendingA-
84/100