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Crypto Roth IRAs ?Are They Worth It?Invest in Crypto Tax-Free Bitcoin, Ethereum, and more in your IRA. *Traditional IRAs and SEP IRAs generally are tax-deferred; Roth IRAs generally can be tax. The Crypto IRA fees consist of an Annual Account Fee charged by Directed IRA of $, a % (50 basis points) per trade fee, and a one-time new account. You can use an IRA company that allows you to buy cryptocurrency with the account. � You'll need to fund your crypto-compatible retirement account by sending.