如何为比特币繁荣做好准备

比特币可能正处于新一轮牛市的边缘。 Adamant Research 的 Tuur Demeester 在他的出版物《如何定位》中指出

Bitcoin is rallying again, and many are speculating that another bull run is on the horizon. If you’re looking to secure a substantial allocation of bitcoin before this happens—an allocation that could appreciate completely tax-free—then you might have forgotten about an old retirement account.

比特币再次上涨，许多人猜测另一场牛市即将到来。如果您希望在此之前获得大量比特币分配（这种分配可能完全免税），那么您可能已经忘记了旧的退休账户。

With an Unchained IRA, you can save bitcoin in a tax-advantaged manner while maintaining full control of your keys. There is no third-party risk because you hold the keys—ensuring that no one else can access your bitcoin.

借助 Unchained IRA，您可以以税收优惠的方式保存比特币，同时保持对钥匙的完全控制。不存在第三方风险，因为您掌握着密钥，确保没有其他人可以访问您的比特币。

Here's a step-by-step guide on how to set up an Unchained IRA and begin saving bitcoin for your retirement:

以下是有关如何设置 Unchained IRA 并开始为退休储蓄比特币的分步指南：

Step 1: Purchase hardware wallets

第一步：购买硬件钱包

A hardware wallet allows you to store your bitcoin keys offline, giving you full control of your funds. To begin, purchase a couple of hardware wallets, such as those offered by Trezor or Ledger. Unchained currently supports a range of devices, including the Ledger Nano X, Trezor Model T, and Coldcard Mk4. Check out the full list of hardware wallets Unchained supports.

硬件钱包允许您离线存储比特币密钥，让您完全控制您的资金。首先，购买几个硬件钱包，例如 Trezor 或 Ledger 提供的钱包。 Unchained 目前支持一系列设备，包括 Ledger Nano X、Trezor Model T 和 Coldcard Mk4。查看 Unchained 支持的硬件钱包的完整列表。

For optimal security, it’s recommended to buy directly from the manufacturer, but purchasing from a trusted third-party retailer, like Best Buy, is also acceptable. This is especially true in the context of multisig which eliminates any single key as a single point of failure.

为了获得最佳安全性，建议直接从制造商处购买，但从值得信赖的第三方零售商（例如百思买）购买也是可以接受的。在多重签名的情况下尤其如此，它消除了任何单个密钥作为单点故障的情况。

Make sure to get at least two wallets—you’ll need both to set up your Unchained IRA vault.

确保至少有两个钱包——您需要两个钱包来设置您的 Unchained IRA 金库。

Step 2: Create an account on Unchained.com

第 2 步：在 Unchained.com 上创建帐户

Next, go to Unchained and create an account. The process is simple: provide your name, email, phone number, and create a strong password. Unchained takes your privacy seriously.

接下来，前往 Unchained 并创建一个帐户。该过程很简单：提供您的姓名、电子邮件、电话号码，并创建一个强密码。 Unchained 非常重视您的隐私。

Once your account is created, select the type of account you need—in this case we’re creating an IRA account. If you prefer personalized assistance, consider opting for Unchained’s Concierge Onboarding, where a bitcoin custody expert will guide you through every step.

创建帐户后，选择您需要的帐户类型 - 在本例中我们将创建 IRA 帐户。如果您更喜欢个性化帮助，请考虑选择 Unchained 的 Concierge Onboarding，比特币托管专家将指导您完成每一步。

Step 3: Create your Unchained IRA account—with no setup or account fees for the first year!

第 3 步：创建您的 Unchained IRA 账户——第一年无需设置费用或账户费用！

Now it’s time to set up your IRA account. With an Unchained IRA, you can save bitcoin in a tax-advantaged manner while maintaining full control of your keys. There is no third-party risk because you hold the keys—ensuring that no one else can access your bitcoin.

现在是时候设置您的 IRA 帐户了。借助 Unchained IRA，您可以以税收优惠的方式保存比特币，同时保持对钥匙的完全控制。不存在第三方风险，因为您掌握着密钥，确保没有其他人可以访问您的比特币。

Setting up an account is straightforward—there are no setup fees, account fees don’t start until the second year, and you can see trading fees on our pricing page. Unchained’s IRA offers both Traditional and Roth options, allowing you to choose the best fit for your retirement strategy.

设置账户非常简单——没有设置费用，账户费用直到第二年才开始，您可以在我们的定价页面上看到交易费用。 Unchained 的 IRA 提供传统和罗斯选项，让您选择最适合您的退休策略。

Step 4: Follow the Self-Service guide for vault setup

步骤 4：按照自助服务指南进行保管库设置

After setting up your account, it’s time to set up your multisig vault—one of the most secure ways to secure bitcoin. Multisig requires more than one key to authorize a transaction, which mitigates the risks associated with custodian and exchange hacks, bad business practices, or individual mistakes.

设置帐户后，就可以设置多重签名保险库了——这是保护比特币最安全的方法之一。多重签名需要多个密钥来授权交易，这可以减轻与托管人和交易所黑客攻击、不良商业行为或个人错误相关的风险。

You can set up this secure multisig configuration in under an hour using Unchained’s Self-Service Onboarding. Simply follow the guide at diy.unchained.com to get started—if you’re using two hardware wallets to build your vault, you’ll choose the Lead custody model.

您可以使用 Unchained 的自助服务入门在一小时内设置此安全多重签名配置。只需按照 diy.unchained.com 上的指南即可开始 - 如果您使用两个硬件钱包来构建您的金库，您将选择 Lead 托管模型。

Step 5: Roll over your existing 401k/IRA

第 5 步：滚动您现有的 401k/IRA

Next, you’ll need to fund your new IRA, and there are a few ways to do it: an IRA-to-IRA transfer, a 401(k)-to-IRA rollover, or an annual contribution. The most common method is rolling over funds from an existing 401(k) or IRA into your new Unchained IRA.

接下来，您需要为您的新 IRA 提供资金，有几种方法可以实现：IRA 到 IRA 转账、401(k) 到 IRA 转存或年度供款。最常见的方法是将现有 401(k) 或 IRA 中的资金转入新的 Unchained IRA。

While this process can feel tedious—particularly if your 401(k) administrator needs to issue you a physical check—it is straightforward. Once you receive your funds, Unchained will convert them to bitcoin with our trading desk and deposit them into your IRA vault.

虽然这个过程可能会让人觉得乏味——特别是如果您的 401(k) 管理员需要向您开具身体检查——但它很简单。一旦您收到资金，Unchained 将通过我们的交易台将其转换为比特币，并将其存入您的 IRA 金库。

If you already hold bitcoin in another IRA, you can do an in-kind transfer to move your bitcoin directly to Unchained without converting to cash first. If you want to learn more about how to fund your IRA, we have a full Knowledge Base article for that.

如果您已经在另一个 IRA 中持有比特币，您可以进行实物转账，将您的比特币直接转移到 Unchained，而无需先转换为现金。如果您想了解有关如何为 IRA 提供资金的更多信息，我们有完整的知识库文章。

Step 6: Enjoy the benefits of tax-advantaged bitcoin

第6步：享受比特币税收优惠的好处

Congratulations—your retirement savings are now secured in bitcoin! Unchained offers flat annual fees. Starting in year two, you’ll pay a flat $250 annual fee for your IRA account.

恭喜——您的退休储蓄现在以比特币作为保障！ Unchained 提供固定年费。从第二年开始，您将为 IRA 账户支付 250 美元的固定年费。

Holding bitcoin in a tax-advantaged account combines the inflation resistance of bitcoin with the benefits of an IRA. Most importantly, you remain in charge of your bitcoin—not an exchange or third party. If the bull run is approaching as many suspect, the Unchained IRA could put you in position to watch your retirement savings grow.

在税收优惠账户中持有比特币结合了比特币的通胀抵抗力和 IRA 的好处。最重要的是，您仍然负责您的比特币，而不是交易所或第三方。如果牛市如许多人所怀疑的那样临近，Unchained IRA 可以让您看到退休储蓄的增长。

This article is provided for educational

本文仅供教育