It depends on what you need it to survive. Unchained IRA runs collaborative multisig ira custody, with no single point of failure recorded: no one institution's failure reaches your bitcoin on its own. Proof of Custody scores it 81/100 as of 2026-08-18. Collaborative multisig is a good fit for technical-enough holders who want real control with a safety net — comfortable with hardware wallets, firmware updates, and a signing ceremony, and the wrong choice for the non-technical spouse, parent, or heir who will one day hold this alone — if they cannot run a signing ceremony, the arrangement quietly becomes single-provider custody the day you are gone. The score is an editorial judgement; the facts to check are the custody model, the single point of failure and the incident history below.
| Custody model | Collaborative Multisig IRA Proof of Custody classification from the provider's own documents |
|---|---|
| Single point of failure | No: no single party can move or lose the holding alone Record as of 2026-08-18 |
| Who holds the keys | Not published in enough detail to state |
| Independence standard | 1 of 4 pillars met |
| Insurance | Not disclosed by the provider |
| Regulatory standing | Not published |
| Qualified custodian | Not stated |
| Incidents in the registry | None recorded. Absence from the registry is not evidence of safety. |
| Fees | $250/yr + 1.5% trading Provider pricing page; verify before relying on it |
| Minimum | $0 |
| Proof of Custody score | 81/100 Editorial judgement on the published methodology, as of 2026-08-18 |
Facts come from the provider's own documents and public filings, with the date they were last checked. The score is Proof of Custody's judgement. Dispute a row through the corrections process.
IRA in collaborative multisig. Client holds keys. Tax-advantaged Bitcoin.
Requires hardware devices. SDIRA complexity. IRS reporting burden.
Custody feature data not yet available.
$0 setup, $250/yr per IRA account, 1.5% IRA trading fee, $2,000 minimum per transfer/rollover/contribution. Per unchained.com/pricing, Aug 2026.
2 independent parties or systems must fail before a Unchained IRA holder's bitcoin is at risk.
Unchained IRA's custody insurance is not publicly disclosed.
Unchained IRA uses a collaborative multisig ira model and scores 81/100 in our independent review, including 90/100 on custody security. No single institution can unilaterally move funds. Safety depends on your priorities; see the full score breakdown above.
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.
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.
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.