Crypto Staking
Earn Rewards on Your Retirement Investments
Put your crypto to work. Stake supported digital assets inside a tax-advantaged IRA and earn rewards while your investments grow for retirement.
Earn passive crypto rewards inside your retirement account
Staking lets your crypto work for you. By locking supported assets on a blockchain network, you may receive rewards while maintaining tax-advantaged retirement exposure.¹
Earn Rewards
Tax-Advantaged Growth
No Extra Effort
Once your assets are staked, supported protocols can generate rewards for your retirement account.
★★★★★
Top benefits of Crypto staking with Retired.com
Institutional Security
Staked assets remain secured with institutional-grade custody and cold storage protocols.
Transparent Terms
Clear information on reward rates, lock-up periods, and any associated fees. No surprises.
Build a Better Blockchain
Staking makes networks more energy-efficient and secure.
Expert Support
Our retirement specialists can help you understand which assets are eligible.
Compounding Returns
Staking adds to your balance over time, creating a compounding effect inside your tax-advantaged account.
Start Staking Crypto in Your IRA
Strategies
Your crypto retirement blueprint, for free
Want to learn more about how staking works and which assets offer the best reward potential? Explore our resource center for staking guides, reward calculators, and retirement-focused strategies.
Learn Before You Stake with Retired.com’s Crypto Staking Content
The latest insights on crypto staking, reward rates, lock-up periods, and best practices.
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Frequently Asked Crypto Staking Questions
What is crypto staking?
Crypto staking is the process of locking up certain cryptocurrencies on a blockchain network to help validate transactions. In return, you earn rewards, often paid in the same cryptocurrency you staked. Think of it like earning interest on a deposit, but for blockchain networks.
How does staking work inside an IRA?
When you stake crypto inside a Retired.com IRA, the process works the same as staking on any platform, but the rewards are deposited directly into your tax-advantaged account. This means your staking rewards grow tax-deferred in a Traditional IRA or tax-free in a Roth IRA.
Which cryptocurrencies can I stake?
Staking eligibility depends on the blockchain protocol. Retired.com supports staking on a selection of eligible assets, including ADA (Cardano), ETH (Ethereum), Solana (SOL), Polkadot (DOT), and SUI (SUI).
What kind of rewards can I expect?
Staking reward rates vary by cryptocurrency and network conditions. Rates can range from a few percent to higher yields depending on the asset and the current staking environment. Our team can provide current reward rate information for each eligible asset.
Are there lock-up periods for staking?
Some assets require a lock-up period during which your staked crypto cannot be traded or withdrawn. Lock-up terms vary by asset. Our team provides full transparency on lock-up requirements before you commit to staking.
What are the risks of staking?
Staking carries risks including price volatility of the staked asset, potential lock-up periods that limit liquidity, and protocol-level risks such as slashing (a penalty for validator misbehavior on certain networks).
What fees apply to staking?
Retired.com charges a 1% per-trade fee when purchasing staking-eligible assets and a $50 for Retired Plus which is required for this feature. Specific staking-related fees, if any, are disclosed before you opt in. There are no account setup fees and no transfer fees.
Is there a minimum amount of crypto required to stake on Retired.com?
Yes. Every cryptocurrency eligible for staking on Retired.com has its own minimum quantity you must hold before you can stake it. Minimums range from 1 ETH up to 2,500 ADA or DOT.
¹Clients should be aware that staking involves risks, including potential loss of principal, and is not suitable for all investors. Clients are encouraged to speak with a CPA, investment adviser, or tax adviser to see if staking is right for them. Staking rewards are not guaranteed. Estimated APYs are subject to change based on network conditions, fees, and compounding frequency. Eligible assets may vary at the custodian’s discretion. Staking Disclosure
*Based on assets under custody across all Retired.com consumer brands as of 05/18/2026.
**Review and rating count is aggregated across public review platforms and app stores for all Retired.com consumer brands. Average platform rating is calculated as the average of displayed ratings and not weighted by review or rating count.
Reviews and media mentions listed on this page include those across all Retired.com consumer brands.
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