Join the waitlist and we will waive the monthly fees for the 1st year.
401(x), is a revolutionary way to invest in crypto. You can now use your 401(k) to invest directly in crypto and receive all the same tax benefits that you enjoy on traditional 401(k) investments.
401(x) is on a mission to make crypto accessible to 401(k) plans because we believe that everyone should have access to alternative investments in their retirement portfolios. More choice can lead to more growth.
Built-in tax advantages with direct investment in cryptocurrencies.
Choose from a wide range of cryptos including BTC, ETH, SOL and more.
401(x) works with your existing 401(k) plan.
We've been able to help thousands of people gain access to crypto in their 401(k), and we're just getting started.
Limited time offer for the first 10,000 users
- Add crypto to your existing 401k plan. It's easy as 1, 2, 3...
- Give your employees access to the investments they want
- Increase employee satisfaction and recruiting
Learn more about the new 401(x) today
Read our list below and contact us if you have any further questions. We are more than happy to assist!
Only 401(x) is designed to work with your existing 401(k), so even though you are still investing in your 401(k), you can also invest part of your balance into 401(x). You cannot transfer from your current 401(k) to an IRA, but you can transfer to 401(x)!
You do not need to keep track of keys. Our Self-Directed Crypto Window is powered by Coinbase Institutional to store and process crypto assets. Coinbase will keep keys for you. You simply log in to www.401x.io to access your Self-Directed Crypto Window.
Yes. To open the account and transfer assets, your employer will need to sign off on your request. But don’t worry. We will work directly with your employer and your 401(k) company to complete the request.
We built 401(x) on the Coinbase Institutional platform and your crypto is held by Coinbase. As part of our due diligence when selecting a partner, we carefully evaluated the security practices and protocols including provider SOC certifications, because security was one of our most important criteria. All crypto is held in cold storage, except briefly when you’ve requested a transaction. This is also critical for increasing security. Here’s what Bitdegree had to say about Coinbase’s security: ”While it is never 100% safe to [keep] your money on any online exchange, Coinbase is one of the safest web wallets you can use. Coinbase keeps almost 99% of their assets in offline cold storage that can’t be accessed — when in cold storage, they cannot be hacked!” “Additionally, any assets in the hot wallet are insured.” Finally, assets in the crypto window cannot be transferred out of the window except back into the 401(k) traditional investment account.
You begin by linking your 401(k) using Plaid to verify that you have a qualifying account and then indicate how much you want to transfer to the 401(x) crypto window. We will then work with your employer and your current 401(k) provider to transfer the amount you requested. Once the transfer is complete, then you can login to 401(x) to buy and sell BTC, ETH, SOL and more. You can transfer your 401(x) balance back to your 401(k) account when you are ready to withdraw your funds.
By signing up for early access, we will waive the monthly fees for 1 year. You’ll also be among the first to gain access to crypto in your 401(k) so you can begin investing with all the tax advantages of your retirement plan.
401(x) works with 401(k) accounts. It doesn’t matter if that account is an old account from an old job, or if it’s your current 401(k) to which you are currently making contributions. 401(x) allows you to transfer part of that 401(k) balance so that you can invest a portion of your retirement in crypto while enjoying all the same tax advantages of a 401(k). The transfer to 401(x) is not a distribution and you will not be taxed. Other retirement accounts, such as 403(b) accounts or IRAs are not currently eligible.
401(x) currently supports BTC, ETH, SOL, DOT, ADA and USDC, and will be adding additional tokens on an ongoing basis.
Cryptocurrency is stored digitally. When cryptocurrency is stored on a device or account that is connected to the network, that is a “hot wallet”. When cryptocurrency is stored on devices that are completely disconnected from any networks, that is “cold storage.” It is not connected to a network and it is safer, because hackers can’t hack the network to gain access to it. All cryptocurrency is held in cold storage for security. When you request a transaction, only the amount requested is transferred to a hot wallet to execute the transaction before being moved back to cold storage.
A monthly fee of $9.99 per month along with a Trading fee of 0.5% per trade.
At 401(x), we believe that diversification is critical to an appropriately balanced retirement portfolio. Our crypto 401(k) solution provides access to a wide range of high-quality cryptocurrencies, as opposed to just Bitcoin. You get to select from a range of tokens and you own crypto directly. Additionally, 401(x) is designed to work with any 401(k) so you don’t have to be a Fidelity customer to use it.
No. When you transfer from a 401(k) to 401(x) your funds are still in a qualified account, and are still technically part of your 401(k). Therefore there are no taxes when you make the transfer. Once you are ready to withdraw your funds, you will transfer back from 401(x) to your regular 401(k) and all the regular 401(k) distribution rules will apply.
You can transfer up to 20% of your 401(k) balance to cryptocurrency. Some employers may set a lower cap which would limit the amount you can transfer.
1 To be fully tax exempt and subject to withdrawal without penalty, you must meet the 5 year rule for the initial Roth deferral and you must be at least 59 1/2 years old when you take your distribution. ForUsAll does not provide tax advice, and the tax laws could change in the future. Consult your retirement plan provider or your accountant for details.
This material has been prepared for informational and educational purposes only and should not be construed as a recommendation by ForUsAll, Inc., its affiliates or employees (collectively, “ForUsAll”) to activate a cryptocurrency window or invest in cryptocurrency. Investing in cryptocurrency can be risky and investors must be able to afford to lose their entire investment. You should consult with your own advisers before activating a cryptocurrency window or investing in cryptocurrency. ForUsAll does not provide legal, tax, or accounting advice. Please refer to your Plan's fee disclosure for more details.
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