Source: Cointelegraph Original: "{title}"

Fidelity, a financial services company managing $5.9 trillion in assets, launched new retirement accounts on Tuesday (April 2) that will allow Americans to invest in cryptocurrencies with almost no fees.

Three types of accounts—including a tax-deferred traditional IRA account and two Roth IRA accounts (one of which is a rollover account)—allow the buying and selling of Bitcoin (BTC), Ethereum (ETH), and Litecoin (LTC). There are no fees to open and maintain these accounts, but Fidelity will charge a 1% spread fee on the execution price of cryptocurrency trades.

These cryptocurrency IRA accounts are offered by Fidelity's subsidiary, Fidelity Digital Assets, which traditionally provides cryptocurrency trading services to institutional investors.

This expansion of the customer base may signal another shift in the landscape of the U.S. cryptocurrency market. The U.S. has begun adopting strategic Bitcoin reserves, while several companies (including stablecoin issuer Circle) have applied for initial public offerings (IPOs).

Fidelity stated that to ensure security, most of its cryptocurrency assets are stored in cold wallets, which are cryptocurrency wallets not connected to the internet.

Although direct purchases of cryptocurrencies in IRA accounts have never been strictly prohibited, according to Investopedia, very few IRA providers allow such purchases. Therefore, Fidelity's new type of IRA account may mark a change in the environment.

However, for Bitcoin and Ethereum enthusiasts, there have been other options since 2024, such as exchange-traded funds (ETFs) corresponding to these cryptocurrencies.

Since the launch of these ETFs, U.S. investors have been able to access the cryptocurrency market through retirement accounts—depending on the broker used. Additionally, Bitcoin IRAs have also been gradually rising, which are self-directed retirement accounts that offer tax advantages.

Some cryptocurrency companies also offer IRA accounts specifically for digital assets, such as BitIRA, allowing individuals to include other cryptocurrencies like Litecoin in their retirement portfolios.

The trend of allowing more Americans to incorporate cryptocurrencies into retirement accounts may be accelerating. On April 1, Alabama Senator Tommy Tuberville announced the reintroduction of a bill that would allow Americans to add cryptocurrencies to their 401(k) retirement savings plans. This process would involve reducing the relevant regulatory provisions issued by the U.S. Department of Labor.

Related: U.S. lawmakers to reintroduce cryptocurrency retirement bill to support Trump agenda

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