etzsoft.com

What It Is

ETZ is a crypto investment platform for clients with Self-Directed IRA and certain 401k retirement accounts, focused on 24/7 trading of digital assets inside retirement accounts. It is not a regular cryptocurrency exchange or self-custody wallet; instead, it serves users who already have accounts with participating SDIRA providers or custodians. Trading and custody on the platform are powered by Coinbase Prime.

Core Features

ETZ supports account types including Traditional, Roth, SEP, SIMPLE, Inherited IRA, and Solo 401k. The site claims the platform offers 200+ digital assets, which is on the higher side among IRA platforms. It explicitly lists BTC, ETH, LINK, ADA, DOGE, LTC, XLM, SOL, DOT, MATIC, SHIB, UNI, SUI, and others, and users can inquire about an additional 150+ assets. All assets must be custodied with Coinbase Prime. Users cannot transfer assets to a private wallet, nor can they take IRA distributions in the form of crypto; assets must first be sold for cash.

Pricing and Fund Flow

Account opening is free. The trading fee is 0.9%, and there is also a 0.4% annual Coinbase custody fee, deducted directly from account assets. Funding depends on the SDIRA Custodian: after the user submits a Direction of Investment form, the custodian transfers IRA cash to ETZ. The platform clearly states that it does not support in-kind crypto transfers in or out; funding must be in cash, and withdrawals back to the SDIRA require selling to cash first.

Pros and Cons

The main advantages are a clearly defined retirement-account use case, a process with human support, and institutional-grade trading and custody backed by Coinbase Prime. It is suitable for investors who want crypto exposure inside a tax-advantaged account. The drawbacks are also clear: it is limited to clients with partnered IRA accounts, and asset liquidity is constrained by IRA rules and the platform’s custodial structure. The 0.9% trading fee plus 0.4% annual custody fee is not cheap compared with ordinary exchanges. Staking and in-app stock trading are still listed as “coming soon.”

Who It’s For and Access from China

ETZ is best suited to long-term investors who have U.S. retirement accounts, want compliant crypto allocation through an SDIRA, and are comfortable with centralized custody. It is not suitable for users seeking self-custody, on-chain DeFi, short-term high-frequency trading, or leveraged derivatives. The source content does not provide information on access from mainland China, so network availability and payment routes are unknown. Because ETZ is fundamentally built around the U.S. IRA/401k system, ordinary Chinese users will generally be better served by compliant local or international exchanges, wallets, and custody alternatives.