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Fee Transparency

Every Fee. Every Line Item. No Asterisks.

You deserve to know exactly what you’re paying before you invest a dollar. Here it is.

Incentive Alignment

The Zero-Conflict Model

Most crypto IRA providers earn money when you trade. Buy or sell, win or lose, they collect a fee on every transaction. Their incentive is your activity, not your growth.

We built a different model. Our performance fee means we only earn more when your portfolio earns more. If your account doesn't grow, we don't collect a performance fee. Our financial interest and yours point in the same direction.

"We earn when you earn. That's the alignment."

Complete Fee Schedule

The Full Picture

Every fee we charge. Nothing omitted.

Fee Amount Details
Annual Management Fee 2% Charged annually on assets under management
Performance Fee 25% On profits only — if your portfolio doesn't grow, this fee is $0
Trading Fee 0.14% Per trade, executed via sFOX institutional exchange
Account Setup $0 No setup fee
Account Closure $0 No closure fee
Lock-up Period None No minimum holding period
Hidden Fees None What you see here is what you pay
Cost Comparison

What This Actually Costs

A $50,000 account, compared side by side. Real numbers.

COST CATEGORY BLOCKTRUSTIRA PER-TRADE FEE MODEL (1% PER TRADE)
Year 1 — $50,000 Account
Management / Annual Fee $1,000 $0
Trading Costs (est. 12 rebalances) $84 $6,000
Performance Fee (assumes 20% gain) $2,500 No setup fee
Total Year 1 Cost $3,584 $6,000
5-Year Projection — $50,000 Starting Balance
Estimated Total Fees $19,800 $36,400
What You're Paying For
Service Level 24/7 AI management, rebalancing, reporting Trade execution only

Comparison assumes a per-trade model charging 1% per transaction with monthly trading activity. BlockTrustIRA estimates assume 0.14% trading fee on approximately 12 annual rebalances and a 20% annual portfolio gain for performance fee calculation. Actual costs will vary. This is an illustrative example, not a projection of returns.

Value Breakdown

What You're Actually Paying For

The management fee isn't a toll. It funds a system that works for you around the clock.

Continuous AI Monitoring

Animus AI runs 24/7 across all market conditions. It scans price action, volume, and on-chain data without interruption. That infrastructure has real operating costs.

Active Risk Management

Automatic rebalancing, volatility response protocols, and allocation adjustments. Your portfolio is actively managed, not passively held.

Reporting & Support

Quarterly reports in plain English. A dedicated point of contact. Personal onboarding. Every trade explained, every decision transparent.

Institutional Custody

Your assets are held with sFOX under $200M custody insurance. Qualified custodian. Cold storage. Multi-signature security. Included in your management fee.

Rollover Coordination

We handle the paperwork to roll over your 401(k), 403(b), TSP, or Traditional IRA. No additional charge. No transfer fees.

Boutique Attention

You’re not a number. You have a dedicated advisor. You can call or email. You get personal service you can’t find at big brokerages.

Common Questions

Fee FAQ

The 2% annual management fee is calculated based on your total Assets Under Management (AUM). It is typically prorated and deducted monthly or quarterly from your account balance to cover infrastructure, continuous AI monitoring, and active portfolio management.

The performance fee applies only to profits. If your portfolio doesn't grow, you pay $0 in performance fees.

We use a high-water mark, so you're never charged on gains that merely recover previous losses. This fee structure ensures our incentive is aligned with your portfolio growth.

The 0.14% trading fee is charged on each trade executed within your account. This fee is paid directly to sFOX, our institutional exchange partner, to ensure high-speed execution and access to multiple liquidity providers for the best possible pricing.

No. We do not charge any setup fees to open your account, nor do we charge exit penalties if you decide to close it. Our goal is to provide a transparent and flexible investment experience without hidden lock-in costs.

Most providers charge high flat fees, setup costs, or significant trading markups. Our model is based on performance and active management. While our headline fee may look different, the actual cost of ownership is often lower because we don't have "hidden" markups on every trade.

We charge a performance fee to ensure our interests are perfectly aligned with yours. We only earn our full compensation when we successfully grow your portfolio. This incentivizes active risk management and sophisticated AI-driven analysis rather than just passive holding.

A high-water mark is the highest value your account has reached. We only charge performance fees on growth that exceeds this previous peak. If the market dips, you won't pay performance fees again until your account recovers and achieves new gains.

Absolutely. Transparency is one of our core pillars. You will receive a detailed breakdown of all management, performance, and trading fees in your regular statements and through your secure client dashboard.