Yes — but only through a self-directed IRA. The 2026 rules, checked.
Fidelity, Schwab and Vanguard do not offer it. You need a self-directed Roth IRA with a crypto custodian — and you never hold the keys yourself.
Contribution limit $7,500 for 2026, $8,600 at 50+. Phase-outs $153k–$168k single, $242k–$252k joint. Source: IRS Notice 2025-67.
iTrustCapital: ETH and SOL. Bitcoin IRA: ADA, ETH, SOL, DOT, SUI. Fidelity Crypto IRA: buy and sell only — no staking at all.
iTrustCapital takes 22% of staking rewards. A $200-a-year fee schedule on a $7,500 account is 2.7% a year — more than many yields.
The IRS has never ruled whether staking rewards inside an IRA count as taxable business income. Above $1,000 a year, the IRA itself could owe tax.
Operating a validator with IRA funds is very likely a prohibited transaction — the whole account can be disqualified. Stake only through the custodian.
The worked example, the provider table, the Reddit gap and the FAQ — all in the free guide.
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