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."
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 |
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.
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. It’s applied proportionally throughout the year, not as a single lump-sum charge. If your account balance is $50,000, the annual fee is $1,000.
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 the execution cost per trade, charged by sFOX, the institutional exchange where your trades are executed. This is significantly lower than the 1-2% per-trade fees common on many crypto IRA platforms. We don’t mark up this fee.
No. There is no setup fee, no account opening fee, and no closure fee. If you decide to leave, you can close your account and transfer your assets without penalty. There are no lock-up periods.
Most crypto IRA providers charge 1-2% per trade with no active management. Over a year of normal trading activity, those per-trade fees can exceed our total annual cost — and you receive no portfolio management, no rebalancing, and no AI monitoring in return. Our model costs less over time and delivers significantly more value.
The performance fee is proof of incentive alignment. If we only charged a flat management fee, our revenue would be the same whether your portfolio grew 30% or lost 10%. The performance fee ensures we’re financially motivated to grow your portfolio. When you do well, we do well.
A high-water mark means we only charge the performance fee on new profits above the previous peak. If your portfolio reaches $60,000, then drops to $55,000, then recovers to $62,000, we only charge the performance fee on the $2,000 above the previous $60,000 high. You’re never double-charged on recovery gains.
Yes. Every fee is itemized in your quarterly report. Every trade, every management fee deduction, every performance fee calculation is documented and explained in plain English. Full transparency is not a marketing promise. It’s how we operate.
