富达（Fidelity）推出了新的退休帐户，这将使美国人能够投资加密货币几乎没有收费

Fidelity是一家金融服务公司，拥有5.9万亿美元的管理资产，它引入了新的退休帐户，该帐户将使美国人能够在加密货币上投资几乎没有收费。

Financial services company Fidelity, which manages $5.9 trillion in assets, has announced new retirement accounts that will allow Americans to invest in crypto almost fee-free.

金融服务公司Fidelity管理资产5.9万亿美元，已宣布了新的退休帐户，该帐户将使美国人几乎没有收费。

The three accounts — a tax-deferred traditional IRA and two Roth IRAs (one is a rollover) — permit the buying and selling of Bitcoin (BTC), Ether (ETH), and Litecoin (LTC). While there are no fees to open or maintain the accounts, Fidelity charges a 1% spread on the execution price of crypto buy and sell transactions.

这三个帐户 - 赋予税收的传统IRA和两个Roth IRA（一个是翻车） - 允许比特币（BTC），Ether（Eth）和Litecoin（LTC）购买和销售。虽然没有开张或维护帐户的费用，但Fidelity收取了Crypto买卖的执行价格的1％差价。

The crypto IRAs are offered by Fidelity Digital Assets, a subsidiary of Fidelity that has traditionally offered institutional investors the opportunity to buy and sell crypto.

Crypto IRA是由Fidelity Digital Assets提供的，Fidelity Digital Assets是Fidelity的子公司，传统上为机构投资者提供了买卖加密货币的机会。

The broadening of its client base may be another signal of the changing crypto landscape in the United States, which has seen the adoption of a strategic Bitcoin reserve and multiple companies, including stablecoin issuer Circle, filing for an initial public offering.

扩大其客户群可能是美国加密货币景观不断变化的另一个信号，该景观已经采用了战略性比特币储备和包括Stablecoin发行人圈在内的多家公司，并提出了首次公开募股。

Fidelity states that, for security, it holds the majority of its crypto in cold storage, which consists of crypto wallets not connected to the internet.

Fidelity指出，为了安全性，它将其大部分加密货物用于冷藏，其中包括与互联网连接的加密钱包组成。

Related: Bitcoin ETFs for retirement planning: A beginner’s guide

相关：用于退休计划的比特币ETF：初学者指南

BTC and ETH exposure already offered for retirement accounts

BTC和ETH曝光已经为退休帐户提供

While the direct purchase of cryptocurrencies in an IRA has never been strictly prohibited, few IRA providers have allowed such purchases, according to Investopedia. Hence, Fidelity’s new IRAs may indicate a change in the environment.

据Investopedia称，尽管从未严格禁止在IRA中直接购买加密货币，但IRA提供商很少允许购买此类购买。因此，富达的新IRA可能表明环境发生了变化。

Still, for enthusiasts of BTC and ETH, there have been other options since 2024, such as exchange-traded funds (ETFs) of those corresponding coins.

尽管如此，对于BTC和ETH的发烧友来说，自2024年以来，还有其他选择，例如那些相应的硬币的交易所交易资金（ETF）。

Since the debut of those ETFs, investors in the US have been able to gain exposure to crypto markets from their retirement accounts — depending on the brokerage. There has also been the rise of Bitcoin IRAs, which are self-directed retirement accounts that offer tax advantages.

自从这些ETF首次亮相以来，美国的投资者已经能够从退休帐户中获得对加密货币市场的影响 - 取决于经纪。比特币IRA的兴起，这些比特币是提供税收优势的自我指导的退休帐户。

Some crypto companies offer digital-asset-specific IRAs like BitIRA, where individuals can add altcoins such as LTC to their retirement portfolios.

一些加密公司（Crypto Companies）提供了特定于数字资产的IRA，例如Bitira，个人可以在其退休投资组合中添加山寨币（例如LTC）。

The move to allow more Americans to invest crypto into retirement accounts may be gaining momentum. On April 1, Alabama Senator Tommy Tuberville announced the reintroduction of a bill to allow Americans to add cryptocurrency to their 401(k)s. The process would involve scaling back regulations issued by the Department of Labor.

允许更多的美国人将加密货币投资到退休帐户中的举动可能会越来越大。 4月1日，阿拉巴马州参议员汤米·图伯维尔（Tommy Tuberville）宣布重新引入一项法​​案，以允许美国人在其401（k）s中增加加密货币。该过程将涉及劳工部发布的后背法规。