How to Invest in Crypto with Fidelity: Your Comprehensive Guide

If you’ve been wondering how to jump into the crypto world using a platform you already trust, like Fidelity, you’re in luck! Fidelity has definitely stepped up its game, making it easier than ever for individual investors to get exposure to digital assets. They’ve been researching Bitcoin since 2014, so it’s not like they just hopped on the bandwagon. they’ve built a pretty solid foundation with Fidelity Digital Assets.

Now, when we talk about investing in crypto with Fidelity, it’s not a one-size-fits-all situation. You actually have a few different paths you can take, from buying specific cryptocurrencies directly to investing in funds that track their performance or even companies involved in the digital asset space. Each option has its own pros and cons, so let’s break down what’s available and how you can get started. And hey, while we’re talking about getting into crypto, if you’re looking for a platform with easy trading and a sweet $100 USD reward to kick things off, you might want to check out 👉 Binance: Easy Trading + $100 USD Reward. It’s a great way to diversify your crypto journey!

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Investing Directly with Fidelity Crypto

One of the most straightforward ways to get your feet wet is by using Fidelity Crypto®, which lets eligible U.S. customers buy and sell certain cryptocurrencies directly through the Fidelity Investments app. It’s pretty cool because you can manage your traditional investments and your crypto all in one place.

What You Can Trade Directly

Currently, with Fidelity Crypto, you can directly trade:

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• Bitcoin BTC
• Ethereum ETH
• Litecoin LTC

Fidelity is always evaluating other cryptocurrencies, so the list might expand in the future.

How to Open a Fidelity Crypto Account and Start Trading

Getting started with Fidelity Crypto is pretty seamless, especially if you’re already a Fidelity customer. Here’s a rundown of the steps:

1. Open a Fidelity Account if you don’t have one: You’ll need an investment account with Fidelity first. If you don’t have one, they’ll help you set one up, like an individual brokerage account.
2. Enroll in Fidelity Crypto: You’ll typically do this through the Fidelity Investments app. It involves a quick setup process, including identity verification KYC, which is standard practice in the crypto world. Don’t be alarmed by the request for photos of yourself and your ID. it’s a common security measure.
3. Link Your Bank Account: Once your Fidelity account is ready, you’ll link your bank account to fund your crypto purchases. You can use bank transfers, wire transfers, or electronic funds transfer EFT.
4. Transfer Funds: Move money from your linked bank account or an existing Fidelity brokerage or cash management account into your Fidelity Crypto account. There’s no minimum deposit to open the crypto trading account, and you can start buying crypto with as little as $1.
5. Place Your Order:
   • Navigate to the crypto trading section in the app or on the website.
   • Select the cryptocurrency you want to buy e.g., BTC/USD.
   • Choose between a market order to buy at the current market price or a limit order to set a specific price you want to buy at.
   • Enter the amount you want to invest.
   • Review your order details and confirm.

You can trade crypto almost around the clock, 7 days a week, 23 hours a day, on their website and mobile app. Turning Your Grill Into a Smoker: Unlock Amazing Smoky Flavors Right in Your Backyard

What About Fees?

With Fidelity Crypto, they often tout “commission-free” trading, but it’s important to understand how they make their money. Instead of a commission, there’s a 1% spread factored into every trade execution price. This spread is essentially the difference between your execution price and the price at which Fidelity Digital Assets fills your order. While it’s not a direct commission, it’s still a cost you should be aware of.

Can You Transfer Crypto In or Out?

Historically, one of the drawbacks of Fidelity Crypto was the inability to transfer cryptocurrencies into or out of your account. However, in a big update as of July 22, 2025, Fidelity announced that users can now move cryptocurrency into and out of their Fidelity account via the app. This is a significant enhancement, as it gives investors more flexibility and control over their digital assets.

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Indirect Exposure Through ETFs and Funds

If buying crypto directly feels a bit too hands-on, or you just want a different kind of exposure, Fidelity offers several exchange-traded products ETPs and funds. These are great because you can often hold them in your regular brokerage or IRA accounts, similar to stocks or mutual funds.

1. Spot Crypto ETPs: FBTC and FETH

Fidelity has two major spot crypto ETPs that provide direct exposure to the price movements of specific cryptocurrencies without you actually holding the crypto yourself: The Wonderful World of Electronic Embroidery Machines: Your Ultimate Guide

• Fidelity® Wise Origin® Bitcoin Fund FBTC: This ETP aims to track the performance of Bitcoin. It holds Bitcoin directly and mirrors its value in real-time.
• Fidelity® Ethereum Fund FETH: Similarly, this fund gives you exposure to the price of Ether.

Why choose these?

• Familiar Structure: You buy and sell units like any other ETF on a stock exchange e.g., FBTC is listed on Cboe BZX Exchange.
• Tax-Advantaged Accounts: You can hold these in brokerage, trust, and even IRA accounts, which is a big plus for tax efficiency.
• No Wallet Management: You don’t have to worry about private keys, cold storage, or the complexities of managing a crypto wallet yourself, as Fidelity Digital Asset Services handles the custody of the underlying cryptocurrency.
• Competitive Expense Ratios: Fidelity aims for competitive expense ratios on these funds. For example, FBTC has a net expense ratio of 0.25%.

How to Buy FBTC or FETH:

1. Have a Fidelity Brokerage or IRA Account: You’ll need one of these to purchase the ETPs.
2. Search for the Ticker: Look for FBTC for Bitcoin or FETH for Ethereum within your Fidelity brokerage platform.
3. Place Your Order: Just like buying any stock or ETF, you can place a market or limit order for the desired number of shares.
4. Complete Designated Investments Agreement DIA: Fidelity requires you to execute a DIA for certain complex and risky products like these ETPs. You’ll be prompted to review and agree to this.
5. Set Investment Objective: Your account’s investment objective might need to be set to “Most Aggressive” to hold these products.

Remember, these ETPs are for investors with a high risk tolerance, as they invest in a single, highly volatile cryptocurrency, and you could lose your entire investment.

2. Thematic ETFs: FDIG and FMET

Beyond directly tracking Bitcoin or Ethereum, Fidelity also offers ETFs that invest in companies operating within the broader crypto and digital payments ecosystem. These funds don’t directly hold cryptocurrencies but instead invest in stocks of companies engaged in related activities.

• Fidelity® Crypto Industry and Digital Payments ETF FDIG: This ETF aims to track companies involved in cryptocurrency, blockchain technology, and digital payments processing. Think of companies like those developing blockchain applications or facilitating digital transactions.
• Fidelity® Metaverse ETF FMET: While broader than just crypto, this ETF invests in companies linked to the metaverse, which often involves blockchain, NFTs, and other digital assets.

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• Diversification: Instead of putting all your eggs in one crypto basket, these funds give you exposure to a basket of companies that might benefit from the growth of the digital asset space.
• Traditional Investment Vehicle: They trade like regular stocks, making them easy to integrate into a traditional portfolio.
• Less Direct Volatility: Since they invest in companies, their performance might not be as directly volatile as the cryptocurrencies themselves, though they still carry risks associated with the crypto industry.

How to Buy FDIG or FMET:
You can purchase shares of these ETFs through your standard Fidelity brokerage account, just like any other stock or ETF. Simply search for their ticker symbols FDIG, FMET and place your order. The expense ratio for FDIG is 0.39%.

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Investing in Crypto with Fidelity Retirement Accounts

Fidelity has been at the forefront of allowing crypto exposure in retirement accounts, which is a pretty big deal for long-term investors looking to leverage potential tax advantages.

Fidelity Crypto IRAs

This is a must! As of early 2025, Fidelity launched Fidelity Crypto® for IRAs, allowing U.S. adults to invest directly in Bitcoin, Ethereum, and Litecoin within a tax-advantaged Individual Retirement Account IRA.

Types of Crypto IRAs available: La marzocco commercial espresso machines

• Roth Crypto IRA: Your crypto gains can grow tax-free and be withdrawn tax-free in retirement, assuming you meet the Roth IRA rules.
• Traditional Crypto IRA: Contributions may be tax-deductible, and investment gains are tax-deferred until retirement.
• Rollover Crypto IRA: This allows you to transfer funds from other retirement accounts like a 401k into a crypto IRA without immediate tax consequences.

How it Works:

1. Open a Fidelity Crypto IRA: You’ll need to open a Fidelity Crypto IRA of your chosen type Roth, Traditional, or Rollover.
2. Link a Brokerage IRA: You must also have a corresponding Fidelity brokerage IRA with the same registration type, which acts as your funding account. If you don’t have one, Fidelity will open one for you simultaneously.
3. Fund Your Brokerage IRA: Deposit money into your linked brokerage IRA first.
4. Transfer to Crypto IRA: Then, transfer funds from your brokerage IRA to your Fidelity Crypto IRA for trading.
5. Trade Crypto: You can now buy and sell Bitcoin, Ethereum, and Litecoin directly within your Crypto IRA.

Fees for Crypto IRAs:
There are no fees to open or maintain a Fidelity Crypto IRA, or for the custody of your crypto. However, just like with regular Fidelity Crypto, Fidelity Digital Assets charges a 1% spread on the execution price for crypto buy and sell transactions. This is a fantastic opportunity for tax-efficient crypto investing!

Crypto in 401k Plans

Fidelity also became a pioneer in offering Bitcoin as an investment option within 401k retirement plans back in 2022. However, this isn’t a direct crypto purchase in the same way as a Crypto IRA.

Key things to know:

• Employer-Dependent: The ability to add Bitcoin to your 401k through Fidelity depends entirely on whether your employer chooses to offer this option. Many employers are cautious due to fiduciary responsibilities and regulatory concerns.
• Indirect Exposure: If available, you won’t directly buy Bitcoin in your 401k. Instead, you’d gain exposure through a Digital Assets Account DAA. This DAA typically holds shares of investment funds or trusts that track the price of Bitcoin or a diversified digital asset portfolio.
• Fees: Investing in a DAA may come with specific account fees e.g., between 0.75% and 0.9% of funds invested in the digital asset account and trading fees.

So, while Fidelity is pushing the envelope here, it’s not as universally accessible as their Crypto IRAs. You’ll need to check with your employer to see if this is an option for your 401k. Is vpn safe for ohio residents

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What About XRP?

Many people ask about “how to invest in XRP stock Fidelity” or “how to buy xrp with fidelity account.” Unfortunately, as of my last update, Fidelity does not offer direct trading or specific funds for XRP Ripple through its retail Fidelity Crypto platform or its spot crypto ETPs. The direct crypto offerings are currently limited to Bitcoin, Ethereum, and Litecoin.

This is likely due to the ongoing regulatory scrutiny surrounding XRP in the United States. If you’re looking to invest in a wider range of cryptocurrencies, including XRP, you might need to consider a dedicated cryptocurrency exchange. Just be sure to do your research on reputable and regulated platforms.

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Security and Trust

One of the biggest advantages of investing in crypto through Fidelity is the trust and security that comes with a long-established financial institution. Fidelity Digital Assets, their institutional-focused unit, provides the custody and trading services for Fidelity Crypto. Traeger grill temp for hot dogs

They use robust security measures, including:

• Secure Cold Storage: This means the majority of digital assets are held offline, protecting them from online hacks and threats.
• Encryption Technology: To safeguard user data.
• Multi-Factor Authentication MFA: For account access, adding an extra layer of security.
• Regular Security Audits: To maintain high-security standards.

While crypto investing always carries inherent risks, having a reputable firm like Fidelity handle the custody and security can offer a significant peace of mind compared to smaller, less established platforms.

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A Quick Note on Risk

It’s crucial to remember that cryptocurrency is a highly volatile and speculative asset class. Prices can swing dramatically in short periods, and there’s a considerable risk that you could lose all of your investment. Unlike traditional investments, crypto assets are generally not insured by the FDIC or protected by the Securities Investor Protection Corporation SIPC. Always ensure you have a high tolerance for risk and understand the potential downsides before in.

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Conclusion

Fidelity has clearly embraced the digital asset space, offering a variety of ways for individual investors to get exposure to cryptocurrencies. Whether you prefer the hands-on approach of directly buying Bitcoin, Ethereum, or Litecoin through Fidelity Crypto, or you’re looking for indirect exposure through spot crypto ETPs like FBTC and FETH, or even through thematic ETFs that invest in crypto-related companies, Fidelity provides regulated and increasingly user-friendly options. The introduction of Fidelity Crypto IRAs is particularly notable, allowing for tax-advantaged direct crypto investments, which is a major step forward for mainstream adoption. While their 401k options for crypto are still employer-dependent and indirect, it shows their commitment to this market.

Remember to carefully consider your risk tolerance and investment goals for each option. The crypto market is dynamic, but with platforms like Fidelity, accessing it is becoming more integrated and secure for traditional investors. And as a reminder, exploring different platforms can also be beneficial, like 👉 Binance: Easy Trading + $100 USD Reward, which offers a broad range of cryptocurrencies and a bonus to get you started.

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Frequently Asked Questions

What cryptocurrencies can I buy directly with Fidelity Crypto?

You can directly buy and sell Bitcoin BTC, Ethereum ETH, and Litecoin LTC through Fidelity Crypto. Fidelity has stated they are evaluating other cryptocurrencies for future inclusion.

Are there any fees for trading crypto directly on Fidelity?

Yes, while Fidelity often markets “commission-free” crypto trading, they apply a 1% spread on the execution price of all buy and sell transactions. This spread is how they generate revenue from crypto trades. The Unshakeable Power of Education: Why It Matters to All of Us

Can I invest in crypto through my Fidelity IRA?

Absolutely! Fidelity now offers Fidelity Crypto® for IRAs, allowing you to directly invest in Bitcoin, Ethereum, and Litecoin within Roth, Traditional, or Rollover IRA accounts. There are no account opening or maintenance fees, but a 1% spread applies to trades.

Can I buy Bitcoin in my Fidelity 401k?

It’s possible, but it depends on your employer. Fidelity offers a Digital Assets Account DAA for some 401k plans that provides exposure to Bitcoin. However, you don’t directly own Bitcoin. instead, you invest in a fund or portfolio that tracks its price. The availability and specific fees are determined by your employer.

Does Fidelity offer staking or external crypto transfers?

Fidelity Crypto does not offer staking for cryptocurrencies. Regarding transfers, as of July 22, 2025, Fidelity announced that users can now move cryptocurrency into and out of their Fidelity account via the app, which is a significant improvement over previous limitations.

How secure is investing in crypto with Fidelity?

Fidelity emphasizes strong security measures, leveraging Fidelity Digital Assets for custody and trading. They use secure cold storage offline storage for crypto, encryption, multi-factor authentication, and conduct regular security audits to protect assets and user data.

Can I buy XRP Ripple with Fidelity?

No, as of the current offerings, Fidelity does not support direct trading or specific investment products for XRP Ripple for retail investors. Their direct crypto offerings are limited to Bitcoin, Ethereum, and Litecoin. Commercial Coffee Machine Price in Dubai: Your Ultimate Buying Guide