Snapshot
Continue to About ↓- What it does
- Unchained is a U.S. bitcoin financial services company built on collaborative custody: customers hold two of three keys to a multisig vault while Unchained holds one backup key.
More detail
- On top of those vaults it offers a bitcoin IRA, inheritance and trust services, a trading desk, and bitcoin-backed loans.
- Best for
- U.S. long-term bitcoin holders who want self-custody without sole responsibility for key loss, including families needing inheritance or trust coordination, companies holding bitcoin treasuries, and those wanting bitcoin in a tax-advantaged IRA with customer-held keys.
- Pricing
- Vaults cost $250 per vault per year; Bitcoin IRAs cost $250 per IRA account per year with a $2,000 trading minimum and a 1.5% IRA trading fee.
More detail
- The trading desk charges a 1.0% flat fee, with undisclosed "preferred" rates for Signature clients.
- Unchained Signature is $6,000 the first year and renews a
- Main limitation
- Non-U.S. residents seeking an IRA, borrowers with less than $150,000 in bitcoin collateral, and anyone unwilling to complete KYC/AML or who wants no company-held key in their custody setup.
- Record
- Living and monitored
- Reviewed
- Evidence
- Public web research
- Machine access
- Structured profile ↗
About
- Unchained is a U.S. bitcoin financial services company built on collaborative custody: customers hold two of three keys to a multisig vault while Unchained holds one backup key.
- On top of those vaults it offers a bitcoin IRA, inheritance and trust services, a trading desk, and bitcoin-backed loans.
What it helps with
- Loss or compromise of a customer-held key in the 2-of-3 multisig setup
- Single-point-of-failure risk in solo self-custody
- Lack of a tax-advantaged retirement wrapper for bitcoin
- Need for dollar liquidity without selling bitcoin
- Inheritance and estate continuity planning for bitcoin holdings
- Counterparty and custody risk of exchange-held bitcoin
Capabilities
A practical view of what is available and where limitations apply.
| Offering | Available | Detail |
|---|---|---|
| Collaborative multisig vaults | Yes | 3-key multisig with 2 of 3 keys required; customer holds two keys and Unchained holds one backup key. |
| Bitcoin IRA | Yes | Traditional, Roth, and SEP IRAs with 401(k)/TSP rollovers; U.S.-only; $250/year per account, $2,000 trading minimum, 1.5% trading fee. |
| Trading desk | Yes | Buy and sell bitcoin settled directly into the customer's vault; 1.0% flat fee, with undisclosed preferred rates for Signature clients. |
| Bitcoin-backed commercial loans | Yes | 12.0% headline interest, 2.00% origination, $150,000 minimum, no prepayment penalty; company holds one of three keys with on-chain verifiable collateral. |
| Inheritance and trust services | Yes | Inheritance Boot Camp at a $4,000 flat fee including first year of trust vault; Gannett Trust received a Wyoming charter in 2024. |
| Unchained Signature concierge | Yes | $6,000 first year, renews at $4,500/year; includes dedicated relationship manager, up to 10 vaults, and preferred trading fees. |
| Open-source wallet tooling | Yes | Unchained states it launched the open-source Caravan wallet in 2020. |
| Opt-in cosigning and identity verification | Yes | Customers can request identity and intent verification, including video verification, before Unchained cosigns a transaction. |
| No company-held key option | No | Unchained's model always involves Unchained holding one backup key in the 2-of-3 multisig. |
| Disclosed trading spread | Unknown | Whether trading carries a spread beyond the stated flat fee, and the rate on preferred Signature trading, are not disclosed. |
Bot trust
How confidently AI systems can verify this profile from public evidence.
—of 100
ChatGPT—/100
Claude—/100
This profile has not completed a Bot Score assessment yet.
Evidence
Where this record came from, when it was reviewed, and how confidently it can be used.
- Verification
- Scribble researched these facts from the linked public sources.
- The owner has not manually confirmed every field.
- Last reviewed
- Primary source
- unchained.com
Technical profile details
Record ID
f106d8f0-73b8-4780-b911-67d8ed71e7f4Canonical URLhttps://profiles.scribble.network/listing/unchained-f106d8f0