Introduction
In recent years, the financial landscape has been reshaped by the growing influence of cryptocurrencies. From Bitcoin and Ethereum to emerging altcoins, digital assets are no longer the exclusive domain of tech-savvy investors. They have gained recognition among mainstream financial institutions. One such player stepping into this evolving market is Fidelity Investments—a trusted household name in traditional investing. In 2025, many investors are asking the critical question: Can you buy crypto on Fidelity? This article delves deep into the answer, the services Fidelity provides, and what to expect when navigating digital asset investments through this financial titan.
Understanding Fidelity Investments
Fidelity Investments is one of the largest and most well-established brokerage firms in the United States. Founded in 1946, Fidelity manages trillions of dollars in assets and serves millions of individual and institutional investors. It has built its reputation on reliability, diversified offerings, and an emphasis on customer-centric services. While traditionally associated with mutual funds, retirement accounts, and equity trading, Fidelity’s exploration of crypto signifies a strategic shift aligned with modern investor demands.
Fidelity’s Entry into the Cryptocurrency Market
Fidelity began its foray into crypto in 2018 through its subsidiary, Fidelity Digital Assets (FDA). Initially focused on offering custody solutions and institutional trading for Bitcoin, the company steadily expanded its crypto services in response to growing interest from both institutional and retail clients. By 2025, Fidelity is recognized as a serious player in the digital asset space, offering a combination of direct investment options and educational tools.
Can You Buy Crypto on Fidelity in 2025?
The short answer is: Yes, you can buy certain cryptocurrencies through Fidelity in 2025. However, the platform and the extent of services offered vary depending on whether you’re an institutional investor or a retail customer.
- Retail Investors: Fidelity allows retail investors to buy and hold select cryptocurrencies such as Bitcoin and Ethereum directly through its brokerage interface. The platform integrates crypto investing seamlessly with its other investment services, including IRAs and taxable brokerage accounts.
- Institutional Investors: Through Fidelity Digital Assets, institutions gain access to deeper liquidity, trade execution, and secure custodial services.
Fidelity offers competitive pricing, intuitive design, and robust security measures for all crypto-related transactions.
Supported Cryptocurrencies
As of 2025, Fidelity offers the ability to trade and hold the following major cryptocurrencies:
- Bitcoin (BTC)
- Ethereum (ETH)
- Litecoin (LTC)
- Solana (SOL)
- Cardano (ADA)
While the list is limited compared to some crypto-native exchanges like Binance or Coinbase, Fidelity emphasizes reliability, compliance, and risk management. The company has stated plans to expand its crypto roster cautiously.
How to Buy Crypto on Fidelity
The process of purchasing crypto on Fidelity is straightforward:
- Open a Fidelity Account – New users must first create a standard brokerage account.
- Enable Crypto Access – Under the account settings, users can opt-in to access crypto trading.
- Link a Bank Account – For funding the purchase.
- Navigate to the Crypto Trading Section – Search and select the desired asset.
- Place an Order – Specify the amount in USD or crypto units.
- Confirm and Secure Your Holdings – Crypto holdings will appear alongside traditional assets in the Fidelity dashboard.
Fees and Costs
Fidelity offers competitive fees for crypto trades. Unlike traditional commissions for stock trades (which are often zero), crypto trades carry a fee structure typically around 1% of the transaction value. There are no hidden charges, and the platform provides real-time cost breakdowns before executing any trade.
Crypto Custody and Security at Fidelity
Fidelity is known for its stringent security practices. Crypto holdings are managed with institution-grade custody solutions:
- Cold Storage: Most crypto assets are stored offline.
- Multi-Signature Wallets: Enhanced protection against unauthorized access.
- 24/7 Monitoring: Real-time threat detection systems.
- Insurance: Fidelity offers insurance coverage for digital assets under custody.
This high level of security has made Fidelity a preferred choice for risk-conscious investors.
Fidelity vs Other Crypto Platforms
Here’s how Fidelity compares to other popular platforms:
| Feature | Fidelity | Coinbase | Binance US | Robinhood |
|---|---|---|---|---|
| Crypto Selection | Limited | Extensive | Moderate | Limited |
| Security | High | High | Moderate | Moderate |
| Ease of Use | High | High | Moderate | High |
| Educational Tools | Robust | Moderate | Low | Low |
| Integration | Seamless | Standalone | Standalone | Standalone |
Fidelity’s unique advantage is its integration with other investment products and services, allowing clients to manage crypto alongside traditional assets.
Fidelity Crypto for Retirement Accounts
One of Fidelity’s groundbreaking features is the ability to include cryptocurrencies in retirement plans. The company allows:
- Bitcoin in 401(k) Plans – Through select employers, users can allocate a portion of their retirement savings to crypto.
- Self-Directed IRAs – Clients can open retirement accounts specifically for crypto investing.
This makes Fidelity one of the few institutions offering regulated crypto exposure in tax-advantaged retirement accounts.
Educational Resources and Market Insights
Fidelity prides itself on investor education. Its platform includes:
- Market Analysis: Daily updates on crypto price movements.
- Learning Center: Guides on blockchain technology, how crypto works, and risk management.
- Webinars and Podcasts: Discussions featuring industry experts.
This commitment to education is vital for investors who are new to the volatile world of crypto.
Risks and Regulatory Considerations
Despite the opportunities, crypto investing carries risks:
- Volatility: Crypto prices can swing dramatically.
- Regulatory Changes: Government policies may impact accessibility and taxation.
- Limited Insurance: While Fidelity provides custody insurance, market losses are not covered.
Fidelity includes detailed risk disclosures and encourages diversified portfolios to mitigate these risks.
Future Outlook: Fidelity’s Crypto Expansion Plans
Looking ahead, Fidelity aims to:
- Expand Crypto Offerings: Add more tokens to its tradable list.
- Launch Crypto ETFs: Pending regulatory approval.
- Offer Staking Services: To earn passive income from holding crypto.
- Improve Mobile Experience: Enhanced app functionality for on-the-go crypto management.
These developments could further cement Fidelity’s role as a major player in digital asset services.
What Customers Are Saying
Customer reviews in 2025 highlight several key themes:
- Trust and Security: Users appreciate Fidelity’s long-standing reputation.
- Simplicity: Buying crypto is as easy as trading stocks.
- Limited Altcoins: Some users wish for a broader selection.
Overall, feedback is largely positive, especially among investors seeking regulated and secure platforms.
Conclusion
So, can you buy crypto on Fidelity in 2025? Absolutely. Fidelity has positioned itself as a bridge between traditional finance and the rapidly evolving crypto world. While the platform may not offer the breadth of coins found on native crypto exchanges, it compensates with security, integration, educational support, and trustworthiness. For investors seeking a regulated, user-friendly gateway into digital assets—especially those already using Fidelity for other investments—this platform represents a compelling option.
As crypto continues to gain mainstream traction, expect Fidelity to expand its offerings further, opening new doors for both seasoned investors and curious newcomers alike.