Fidelity has launched new retirement accounts aimed at enabling Americans to invest in cryptocurrencies with minimal fees. The offerings include a tax-deferred traditional IRA and two Roth IRAs, allowing users to buy and sell Bitcoin, Ether, and Litecoin with a spread fee of under 1%. These accounts, provided via Fidelity Digital Assets, aim to attract individual investors, marking a shift in the U.S. crypto landscape. Although direct investments in cryptocurrencies within IRAs have not been outright banned, few providers have previously offered this option. Fidelity's initiative may reflect a growing acceptance of crypto investments in retirement accounts. While options like crypto-specific ETFs have existed since 2024, the introduction of Fidelity's IRAs could signal increased momentum in integrating crypto into retirement planning. Additionally, legislative efforts, such as the proposal from Alabama Senator Tommy Tuberville to ease regulations on crypto in retirement accounts, indicate a potential policy shift supporting this trend.

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