Coinbase Unveils Game-Changing Bitcoin Yield Strategy for IRAs

Coinbase Asset Management has teamed with iTrustCapital, a leading digital asset IRA platform, to introduce a pioneering way for investors to buy, hold, and earn yield on cryptocurrencies within their retirement accounts.

This bold initiative targets millions of Americans seeking better diversification options amid inflation and market volatility impacting traditional 401(k) portfolios.

The offering, known as the Bitcoin Yield Strategy for IRAs, allows users to allocate a part of their tax-deferred retirement savings into assets like Bitcoin and Ethereum.

Investors can now generate passive yield while staying compliant with IRS regulations.

Coinbase CEO Brian Armstrong described this move as empowering individuals with control over their long-term wealth, calling retirement savings "the next frontier" for digital assets.

Crypto Revolutionizing Retirement Accounts

More than 67 million Americans hold IRAs, with roughly a third of household financial assets locked in retirement accounts. Until now, very few had access to cryptocurrencies in these portfolios.

The Coinbase-iTrustCapital collaboration integrates Coinbase Prime's secure custody with regulated trading and yield protocols available through iTrustCapital’s platform.

This fusion enables investors to earn Bitcoin yield directly inside tax-advantaged accounts with institutional-level security.

The move aligns with a broader industry shift: Fidelity has expanded Bitcoin exposure options in 401(k)s, and BlackRock’s Bitcoin ETF attracted $18 billion in inflows since January 2025.

Analysts project that over $400 billion in IRA funds could migrate toward digital assets by 2030 if the adoption trend continues.

Wall Street’s Embrace of Digital Assets

Coinbase’s strategy reflects a swelling institutional trend. Notable financial giants like Fidelity, Charles Schwab, and Robinhood have expanded crypto access within retirement and self-directed IRA products.

BlackRock CEO Larry Fink has dubbed tokenization "the next generation for markets," signaling confidence in blockchain's future in traditional finance.

Coinbase aims to position itself as the core infrastructure provider for this wave, blending artificial intelligence, blockchain technology, and yield finance into conventional wealth management.

Even a small 3% allocation shift of U.S. retirement assets into crypto could channel over $1 trillion into blockchain investments, fundamentally transforming Wall Street and decentralized finance ecosystems.

For investors eyeing innovative retirement solutions, this Coinbase-iTrustCapital partnership marks an important milestone, making crypto yield strategies a feasible and secure option within retirement accounts.