Coinbase

Bitcoin IRA vs Bake

Bitcoin IRA Logo

Bitcoin IRA

BitcoinIRA is a retirement-focused IRA account powered by Bitcoin, Ether and USD. Monthly payouts, low minimums and no lockup period (5-day settlement period required). BitcoinIRA Staking In 2025, Bitcoin IRA added staking support for ETH, ADA ...

Bake Logo

Bake

Bake is a blended staking, lending and yield platform that makes it easy to start experimenting with DeFi products within a centralized platform. Bake does support Dogecoin, as part of a liquidity mining pool. Bake Platform Assets Lending

Platform
Bitcoin IRA Platform
Bake Platform
Bonus
$30 after $50 deposit
Token
DFI
Founded
2015
2019
Headquarters
Sherman Oaks, CA
Singapore
Availability
Worldwide
Non-us

Cryptocurrency Rates

BTC Rate
2%
BTC Max
ETH Rate
2%
ETH Max
LTC Rate
LTC Max
DOGE Rate
DOGE Max
Stablecoin Rate
Stablecoin Max

Fees & Financial

Compounding
Yes
Yes
Payouts
Monthly
Weekly
Fees
Yes
Yes
Lockup
None
None
Maker Fee
Taker Fee
Bitcoin IRA Logo

Bitcoin IRA Pros

  • Traditional retirement account tax benefits
  • Native staking support added

Bitcoin IRA Cons

  • Requires 10k deposit minimum
Bake Logo

Bake Pros

  • Broad array of defi-like products and yield opportunities
  • Fully owned by both co-founders

Bake Cons

  • Products are more complex or require more lockup time than other platforms

Earn Interest on Crypto