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Only way to buy Bitcoin with an IRAA bitcoin IRA is a self-directed individual retirement account allowed to hold cryptocurrencies. � The pros of bitcoin IRAs include portfolio. You can use an IRA company that allows you to buy cryptocurrency with the account. � You'll need to fund your crypto-compatible retirement account by sending. The closest you can come to owning cryptocurrency in a Roth IRA with a traditional custodian is through a crypto trust. Crypto trusts are crypto.