Is Crypto on Fidelity? Exploring Fidelity’s Cryptocurrency Offerings in 2025

Cryptocurrency has revolutionized the financial world, challenging traditional investment norms and offering new opportunities for wealth creation. As digital assets like Bitcoin and Ethereum gain mainstream acceptance, investors are increasingly turning to trusted financial institutions for crypto-related services. One common question that often arises is: “Is crypto on Fidelity?”

The answer is yes—Fidelity has embraced the digital asset revolution in a structured and secure way. This article explores Fidelity’s current crypto offerings, how investors can access them, and why Fidelity is becoming a go-to platform for cryptocurrency exposure in 2025.

Fidelity: A Trusted Financial Giant Enters the Crypto Space

Fidelity Investments, founded in 1946, is one of the world’s largest and most reputable asset management firms. With trillions of dollars under management and decades of experience in retirement planning, mutual funds, and stock trading, Fidelity has built a strong foundation of trust with individual and institutional investors.

Recognizing the growing interest in cryptocurrencies, Fidelity took a bold step in 2018 by launching Fidelity Digital Assets (FDA). This dedicated crypto subsidiary provides custody and trade execution services for institutional clients. Since then, Fidelity has expanded its crypto offerings to retail investors, becoming one of the first mainstream financial institutions to offer direct exposure to digital currencies.

Can You Buy Crypto on Fidelity?

As of 2025, yes, you can buy and hold crypto on Fidelity, but with certain limitations. Fidelity currently supports Bitcoin (BTC) and Ethereum (ETH) for eligible users. These two leading cryptocurrencies are available through select investment accounts, including brokerage accounts, 401(k) retirement plans, and Fidelity Crypto, the company’s retail-focused digital asset platform.

Here’s a breakdown of how you can engage with crypto through Fidelity:

1. Fidelity Crypto (Retail Platform)

Fidelity Crypto is designed for everyday investors who want to buy and sell crypto in a simple, secure, and regulated environment.

Available cryptocurrencies: Bitcoin (BTC) and Ethereum (ETH)
Minimum investment: As low as $1
Wallet type: Custodial (Fidelity manages and secures your assets)
Features: Commission-free trades, educational content, and real-time market tracking

This platform is gradually rolling out across the United States and is expected to expand internationally.

2. Crypto in 401(k) Retirement Plans

Fidelity made headlines by allowing Bitcoin exposure in employer-sponsored 401(k) plans. This groundbreaking feature gives individuals the ability to:

Allocate a portion of their retirement savings to Bitcoin
Monitor and manage crypto alongside traditional investments
Benefit from long-term exposure in a tax-advantaged account

While participation depends on the employer’s plan, this move marks a significant step in integrating crypto with mainstream financial planning.

3. Fidelity Digital Assets (Institutional Clients)

For institutions, family offices, and high-net-worth individuals, Fidelity Digital Assets offers:

Institutional-grade custody solutions
OTC crypto trading
Advanced blockchain research tools
24/7 support and secure infrastructure

This platform is ideal for those managing large volumes of crypto or seeking advanced tools for portfolio management.

Indirect Crypto Exposure with Fidelity

While direct access is limited to Bitcoin and Ethereum, Fidelity also provides indirect exposure to the broader cryptocurrency market through the following options:

1. Crypto-Themed ETFs

Fidelity offers and supports ETFs that focus on blockchain technology and digital finance. Examples include:

Fidelity Crypto Industry and Digital Payments ETF (FDIG): Invests in companies involved in crypto, digital payments, and blockchain.
Grayscale Bitcoin Trust (GBTC): Provides exposure to Bitcoin without directly holding it.
ProShares Bitcoin Strategy ETF (BITO): Tracks Bitcoin futures contracts.

These funds allow investors to benefit from the growth of the crypto industry without owning digital assets directly.

2. Crypto Stocks

Fidelity’s brokerage platform allows investment in publicly traded companies with significant involvement in crypto. Examples include:

Coinbase (COIN) – A major cryptocurrency exchange
MicroStrategy (MSTR) – Known for holding large Bitcoin reserves
NVIDIA (NVDA) – Supplies GPUs used in crypto mining
Block, Inc. (SQ) – Integrates Bitcoin into its payment systems

These stocks offer an alternative path to crypto exposure through equity markets.

Why Choose Fidelity for Crypto?

Fidelity isn’t a typical crypto exchange. It doesn’t offer hundreds of altcoins, decentralized finance (DeFi) apps, or NFTs. Instead, it focuses on safety, trust, and long-term investment strategies. Here are the top reasons to consider Fidelity for crypto investing:

Reputation and Security

Fidelity is a legacy institution with a long history of financial expertise. Its crypto services are designed with bank-level security, including:

Cold storage for digital assets
Multi-factor authentication
Insurance against theft or cyber breaches
Regulatory compliance with U.S. laws

Integrated Financial Services

With Fidelity, users can manage crypto alongside traditional investments like:

Stocks and bonds
Mutual funds and ETFs
IRAs and 401(k)s

This integration allows for a holistic view of your portfolio and seamless asset allocation.

Education and Research

Fidelity provides extensive educational resources for crypto beginners and advanced users alike. These include:

Market research reports
Blockchain insights
Investment strategy guides

For those new to crypto, this support is invaluable in building confidence and knowledge.

Limitations of Fidelity’s Crypto Services

While Fidelity is a strong choice for certain investors, it may not meet the needs of more advanced or speculative crypto users. Some limitations include:

Limited crypto selection (only BTC and ETH)
No support for staking or DeFi participation
Crypto cannot be transferred out to personal wallets
No support for NFTs or newer blockchain projects

If you’re looking to explore altcoins, engage in yield farming, or use decentralized exchanges, you’ll likely need a specialized crypto platform like Coinbase, Binance, or Kraken.

Is Crypto on Fidelity Right for You?

Fidelity’s crypto services are ideal for:

Long-term investors looking to diversify into digital assets
Retirement savers interested in Bitcoin exposure
Institutional clients seeking secure custody and execution
Conservative investors who prefer regulated platforms

However, active traders or those seeking exposure to a wide range of tokens may find Fidelity’s offerings too limited for their needs.

Conclusion: Fidelity’s Thoughtful Entry into Crypto

So, is crypto on Fidelity? Absolutely. While the offerings are focused and limited to major assets like Bitcoin and Ethereum, Fidelity brings a much-needed sense of stability, security, and professionalism to the crypto space. Whether you’re an institutional investor or a retail customer planning for retirement, Fidelity’s crypto services offer a reliable bridge between traditional finance and the digital asset world.

As crypto continues to evolve, it’s likely that Fidelity will expand its offerings to meet rising demand. Until then, its current solutions provide a solid starting point for those ready to safely explore the future of finance.