I've had a Swan IRA since early 2022. I'm debating moving over to Unchained...especially while Unchained running their special (through Aug 15th) and waiving significant fees.

You look at review sites and Swan outranks Unchained. So I would like some first-person experienced input.

If you are an Unchained client...

- Would you happily make the same choice? 
- Do you have an Unchained IRA? 
- What other Unchained products do you use?

I am considering making this move because...

- Swan still doesn't allow you to hold your own keys for a Bitcoin IRA due to lack of "regulatory clarity" if the IRS comes after you due to unfettered access to your Bitcoin (McNulty case). FYI, that isn't completely true...Swan will allow you to do a Checkbook IRA, but Unchained seems to provide a better "design" with the 2-of-3 multisig to allow them to audit transactions without them having control.

- When Swan went through their layoffs, they got rid of a lot of people providing the main reason for me staying so loyal to Swan (Dante, Callahan, Livera, etc). I valued Swan because of their significant contribution to Bitcoin education.

- Love him or not, Cory also made some great calls on rug-pulling companies. He has also been a great ambassador on MSM as he was making those calls. I haven't noticed whether there has been fallout since Swan itself "got out over their skis" and gambled on price to the point they need to now make headcount/budget cuts.

I do think there are still some great people at Swan - Lubka is always great and responsive and their support team is outstanding and highly competent. Their IRA and transaction fees are also very reasonable (and no fees to move to self-custody for non-IRA BTC). They also have ACH! I can't believe Unchained still doesn't have that capability?

Anyway, I'd love some thoughts on the Unchained IRA and Unchained in general. I like several of their folks, also...although was disappointed when Parker moved on (but like what he is doing at Zaprite...although I can't afford it for the transaction level of my own business).

This is the first time I've tagged people to encourage their input in the conversation, but I know there are some strong opinions from the likes of  nostr:npub1guh5grefa7vkay4ps6udxg8lrqxg2kgr3qh9n4gduxut64nfxq0q9y6hjy and  nostr:npub1qny3tkh0acurzla8x3zy4nhrjz5zd8l9sy9jys09umwng00manysew95gx.

#bitcoin #ira #unchained #swan #multisig