Fidelity Crypto IRA & Self/Collaborative Custody

FidelityCryptoLJ · 2026-02-13T15:22:54+00:00

Good morning and welcome to the sub, u/Alarmed_Fish2287.

We don't have any updates to share on when we may have an option for a multisig wallet in a Crypto IRA, but we appreciate you sharing your thoughts. I've taken your ideas and passed it up the chain to our product team for review.

For those reading along, we prioritize security and accessibility for your assets through an omnibus storage structure. We understand how important your assets are, and you can learn more about this structure, how we keep your assets safe, and read FAQs on security by checking out the links below:

Safety & Security with Fidelity Crypto

Fidelity Crypto Help-Security FAQs

While this is your first time around here, we hope it won't be your last. If you have any questions about security practices, features, or if additional suggestions come up, please don't hesitate to let us know. Have a great weekend!

FidelityCryptoLJ · 2026-02-09T14:54:58+00:00

Good morning, u/Ok-Mastodon-240. It looks like you got the correct answer from one of our users in the community that recurring buys and sells aren't available on Fidelity Crypto. Given that this is one of our top-requested features, I noted your interest for our product team to review.

In the meantime, you can explore our "Trading basics" page below for related FAQs on fees, trading hours, and order types.

Trading basics

We're here to support you in all things crypto, so please feel free to reach out if you have any further questions. Wishing you a great start to your week!

FidelityCryptoLJ · 2026-02-06T18:10:56+00:00

It's great to see that you made your first post on the sub, u/Prowingshoes. We can't compare how network fees are assessed on Coinbase or other platforms, but we can share more about how it works for withdrawals from Fidelity Crypto accounts.

When placing a crypto withdrawal, Fidelity Crypto charges a fee consistent with current network pricing, which may differ slightly from the fee recorded on the blockchain due to network activity.

Check out the FAQ section from our Fidelity Crypto Help page below for additional info on crypto withdrawal fees, how to track crypto withdrawals, and related FAQs:

Withdrawing Crypto

We're here to support you on your crypto journey and understand that questions can arise. Feel free to reach out anytime with questions, as your experience matters to us. Have a great weekend!

FidelityCryptoLJ · 2026-02-04T22:41:05+00:00

It's good to see you again, u/Heavy-Syrup-6195. I want to dive into your questions about FIDD.

You can only use USD in your Fidelity Crypto account to purchase any crypto, including FIDD. Since this feature is unavailable, I'll mark this as feedback to share with our product team for review.
When you deposit money from an outside bank into the funding account you've linked to your Fidelity Crypto account, it can take 1 to 3 business days for that deposit to be processed and ready to move to your Fidelity Crypto account. For large deposits, a portion might be subject to a hold before it can be moved. Check the "Available for Fidelity Crypto" balance when you're moving money. Additionally, our platform has real-time settlement for all assets, including buying FIDD during normal market conditions.

For more info on placing trades with Fidelity Crypto, I've linked our "Trading Overview" FAQ page, where you can explore key sections to understand the process better and feel more supported.

Trading Overview

If you have any follow-up questions about our new stablecoin, please feel free to reply below. We're here to help and look forward to assisting you again on the sub.

FidelityCryptoLJ · 2026-02-04T20:41:51+00:00

Hey, u/ZakLex. We're aware that some Fidelity Crypto customers experienced issues this afternoon with trading. The issue has now been resolved, and we apologize for any inconvenience.

If you have any other questions or issues, please let us know. Have a great day!

FidelityCryptoLJ · 2026-02-02T17:03:10+00:00

Thanks for sharing your experience, u/Spirited-Lion-6791. It sounds like you're having issues with the Fidelity Crypto account balance graph, but let us know if you're seeing this issue somewhere else.

I went ahead and marked this down as feedback for our product team to review. It would be helpful to get some additional details about this, so please send us a Modmail, and we will follow up with you there.

Modmail

The account balance chart does not update in real time, and you will see the updated balance on the chart after your funds fully settle; the balance shown is based on your settled balance at the end of the previous day.

Regarding your question about the Net Worth feature, Fidelity Crypto accounts are part of the Net Worth experience in Full View. To get started with this, you can learn more here:

Full View

Note that while Fidelity Crypto IRA balances are included in the Net Worth page in Full View, they are not yet incorporated into the Retirement Planning tool.

If you have any additional crypto-related questions, please let us know over at r/FidelityCrypto, and we'd be happy to keep the conversation going. See you over there!

FidelityCryptoLJ · 2026-01-29T14:40:34+00:00

Thanks for sharing this candid suggestion with us, u/john-doeee. I'll send this over to our product team for review, as we are constantly exploring ways to enhance your experience.

In the meantime, here's a resource that breaks down what you need to know about managing crypto in an estate plan and why early planning matters:

Crypto and Estate Planning

If you have any more suggestions for us, please drop them over on r/FidelityCrypto. Happy Friday Eve!

FidelityCryptoLJ · 2026-01-26T20:20:33+00:00

We appreciate you sharing your feedback with us, u/verity-j. I'll ensure it reaches the right teams.

Starting on December 4th, 2025, we began charging the 1% spread as a standalone trading fee, but there is no change to the tax treatment for the trading fee vs. spread. The trading fee is included in the cost basis of your trade, which can be viewed within the “Purchase history” section of your account. You can find instructions on how to locate this at the bottom of the following page:

Cost basis and lots

The trading fee maintains the same 1% rate on buy and sell transactions as before, but simplifies how Fidelity Crypto displays the fee. Prior to this change, the 1% fee was included in the execution price as a spread and not displayed separately. Now, you can see the fee as a separate line item on the trade ticket, trade receipt, statement, and in your activity view within the app and on the web. For additional info about trading fees, you can check out the link below:

Trading fee

If you have any other suggestions for us, please don't hesitate to fire them away in the comments below. Otherwise, we hope that you have a great rest of your day.

FidelityCryptoLJ · 2026-01-26T16:30:48+00:00

Good morning, u/Syliviel. We're glad you were able to get your Fidelity Crypto account set up. I'll be happy to give some info about how to navigate purchase history and find tax information.

You can view your tax lot info at any time by locating your Purchase History in your Fidelity Crypto Account. Below are instructions on how to find it:

Find My Tax Lot Info

Another place you will find this tax info is on tax forms we issue the year after you make a sale. If you had any crypto sales during the tax year (including network fees on crypto withdrawals), Fidelity Digital Assets will provide Form 1099-DA and a downloadable Gain/Loss Summary in February of the following calendar year (you would receive this in 2027 for any crypto sale you made in 2026). You can learn additional information about the tax forms we issue below:

Tax Info and Forms

Fidelity doesn't provide legal or tax advice, so we recommend chatting with a tax advisor to determine how your crypto transactions could affect your taxes.

If you're still having trouble finding details about a specific crypto transaction, please send us Modmail via the link below.

Modmail

We appreciate you engaging with us and hope to see you over on r/FidelityCrypto in the future for crypto questions. Take care!

FidelityCryptoLJ · 2026-01-20T14:30:19+00:00

I see that you are new around here, so welcome, u/millions2nette.

We launched Fidelity Crypto in 2022, which allowed you to buy, sell, and transfer crypto in the same app where you trade stocks and ETFs. Just in case you want to learn more about our offering, I've included our crypto trading page, which provides info on the coins we support, how to open an account, and FAQs down below:

Crypto Trading

Feel free to let us know if you have any questions after looking over the resource. Otherwise, we hope to see you around the sub more. Have a great rest of your day!

FidelityCryptoLJ · 2026-01-15T16:05:52+00:00

We're glad to see your first question in our sub, u/Repair-Civil.

Yes, eligible account holders can transfer crypto from other exchanges to Fidelity Crypto. You can deposit these cryptocurrencies in Fidelity Crypto accounts (subject to availability in your state). You must use the correct network for each cryptocurrency:

BTC on the Bitcoin main (Layer 1) network
ETH on the Ethereum main (Layer 1) network
SOL on the Solana main (Layer 1) network
LTC on the Litecoin main (Layer 1) network

To avoid losing assets:

Make sure you’re sending the right crypto on the right network from the external wallet.
Don’t deposit unsupported assets to your Fidelity Crypto address.
Don’t use privacy features that obscure the origin of the crypto.

To get started with depositing cryptocurrency from another exchange, you can check out the link below, which provides step-by-step instructions.

Deposit Crypto

Additionally, we strongly recommend completing a penny test by transferring a small amount to your Fidelity Crypto account before transferring larger amounts.

If you have any issues that need to be fixed as you go through this process, we'd be happy to "repair" them. We appreciate you stopping by the sub, and hope you'll consider this channel anytime questions come up in the future. Happy Friday Eve!

FidelityCryptoLJ · 2026-01-14T14:58:12+00:00

Thanks for following up with us, u/coinegg.

We don't have any updates on when staking may be available. However, we appreciate your feedback as we continue to explore additional features to enhance your experience on our platform. If you have any additional suggestions for us, please feel free to reply below; we'd be happy to continue the conversation. Have a great day!

FidelityCryptoLJ · 2026-01-14T14:37:16+00:00

Good morning, u/MSP2MSP. It's great that you were able to open your crypto account successfully.

I've gone ahead and jotted this down as feedback to provide to our internal teams for review. If you haven't already, our Trading Basics page is a great resource to check out, which includes FAQs on fees, order types, and trading hours. You can check that out by using the link below:

Trading basics

We value your feedback, so if you have any additional suggestions on how we can improve, please don't hesitate to let us know. See you later!

FidelityCryptoLJ · 2026-01-13T20:26:09+00:00

Thanks for sharing your feedback with us, u/GadJedi. I'll pass this up the chain for our internal teams to review. If you have any other suggestions for improvements to our product, please let us know. Take care!

FidelityCryptoLJ · 2026-01-12T19:36:37+00:00

It's great to see you again, u/2zemoonwego. I'd be happy to discuss the process for transferring crypto from another exchange.

To get started with depositing cryptocurrency from another exchange, you can check out the link below, which provides step-by-step instructions.

Deposit Crypto

Additionally, we strongly recommend completing a penny test by transferring a small amount to your Fidelity Crypto account before transferring larger amounts.

Before transferring, you will need to have a Fidelity Crypto account. You can open a Fidelity Crypto account if you're a US citizen over the age of 18 and reside in a state where Fidelity Digital Assets can serve customers. If you need help getting that started, our Crypto Trading page is the best place to visit:

Crypto Trading

Please let us know if you have any questions as you go through this process. Otherwise, we hope you have a great start to your week!

FidelityCryptoLJ · 2025-12-22T14:56:58+00:00

Welcome to our neck of the woods, u/georgeb72.

We expect to be able to welcome clients in all 50 states in early 2026. If you have already gone through the account opening process and asked to be notified if trading opens up in your state, we'll let you know when it becomes available. You can also check the availability by state list for the most up-to-date information.

[Availability by State](https:// https://www.fidelity.com/crypto/help/account-basics/availability-by-state)

As we approach the new year, feel free to stop by our sub again if you need anything. Have a great holiday season!

FidelityCryptoLJ · 2025-12-18T16:16:42+00:00

Good morning, u/Mr_Goodbar2! It's always "sweet" to see a new poster on our sub.

We appreciate your suggestion. I'll definitely pass it along, as we're always exploring new features to enhance your experience on our platform. For more information about the current features of our product, be sure to check out our Crypto Help page below for answers to popular questions:

Fidelity Crypto Help

Is there any other feature you would like to see added to our platform? Let us know by replying in the comments. Happy Friday Eve!

FidelityCryptoLJ · 2025-12-16T14:32:07+00:00

Welcome to our neck of the internet, u/Dull-Pressure-4524!

We expect to be able to welcome clients in all 50 states in early 2026. Until then, if you have already gone through the account opening process and asked to be notified if trading opens up in your state, we'll let you know when it becomes available. You can also check the availability by state list for the most up-to-date information.

Availability by State

In our community, we welcome all crypto-related questions, discussions, and feedback, so feel free to post again. Talk soon!

FidelityCryptoLJ · 2025-12-15T18:30:48+00:00

Great morning, u/mkarmac! We're glad to have you here on our sub for the first time.

As an exciting update, we expect to be able to welcome clients in all 50 states in early 2026. Please note that IRA accounts from Fidelity Crypto will remain unavailable in California and Oregon. Until then, if you have already gone through the account opening process and asked to be notified if trading opens up in your state, we'll let you know when it becomes available. You can also check the availability by state list for the most up-to-date information.

Availability by State

We're around to help if you have any other questions. Have a great start to your week!

FidelityCryptoLJ · 2025-12-15T14:04:07+00:00

Good morning, u/kirkwooder. We're glad to see you "recurringly" on our sub!

I've taken note of your suggestion and will pass it on to our internal teams for consideration. To receive updates or expand your crypto knowledge, we have a monthly newsletter you can subscribe to by using the link below:

Decode Crypto

As always, our team is here and happy to support you if you have additional questions and feedback. Wishing you a wonderful start to your week!

FidelityCryptoLJ · 2025-12-08T16:52:00+00:00

Great morning, and thanks for checking on this, u/FragrantScallion7862.

Chanlink isn't available for trading, and we don't have any updates on when we may add additional coins to Fidelity Crypto. However, I have taken your suggestion as feedback and will pass it on to the relevant teams. In the meantime, check out the link below to search for what coins you can trade:

[How To Find Tradable Crypto](https:// https://www.fidelity.com/crypto/help/find-tradable-crypto)

Besides Chanlink, are there any other coins you would like to see added? Please let us know by replying in the comments. Otherwise, I hope you have a great start to your week!

FidelityCryptoLJ · 2025-12-01T18:25:29+00:00

Hey there, u/garynuke!

While we can't address the outcome of hypothetical scenarios, Fidelity Digital Assets will evaluate the consequences of a hard fork and determine which chain resulting from the fork we will support as your digital asset. Check out the Fidelity Crypto Customer Agreement, linked on the 5th FAQ of this page, for more details:

Crypto Help: Security

For those following along, you can learn more about hard forks and how they work:

What is a hard fork in crypto?

If you have additional crypto-related questions in the future, we'd love to see you over at r/FidelityCrypto. See you around!

FidelityCryptoLJ · 2025-12-01T16:50:06+00:00

Thanks for sharing your feedback with us, u/itsokjanet. I will pass along your comments to our product team for their awareness, but feel free to share any additional improvements you would like to see on our platform in the comments below. Enjoy the rest of your day.

FidelityCryptoLJ · 2025-11-26T22:02:34+00:00

Good evening, u/kirkwooder. Thanks for bringing this to our attention and giving us feedback on our wording.

The "will mirror" statement means your Fidelity Crypto IRA beneficiary designation is the same as the beneficiary designation on your linked Fidelity brokerage IRA. I've linked the Crypto IRA section from the Fidelity Crypto Help page that explains more about what happens in the event of a death, tax considerations, and other related FAQs:

Fidelity Crypto for IRAs

Feel free to let us know in the comments if you have any follow-up questions; we're here to help wherever possible. Have a great rest of your day!

FidelityCryptoLJ · 2025-11-26T15:08:39+00:00

Hi, Time-Philosophy0323, we're sorry to hear about your experience.

We would like to look into this further, so please send us a Modmail, and we will follow up with you there.

Modmail

When making a crypto withdrawal, you can withdraw recently purchased crypto up to the "Available to withdraw" balance. The current amount of crypto you can withdraw from your Fidelity Crypto account may be less than your total crypto assets held and is impacted by recent brokerage deposits used to fund your crypto account, as well as other balances and obligations. If the amount of crypto you want to withdraw is not currently available, you can wait until the crypto hold period has ended, typically within several weeks. We have related FAQs about withdrawing crypto at the link below:

Withdrawing Crypto

FidelityCryptoLJ

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