Bank-Level Technology That Protects You
Your personal data and financial information are protected by multiple layers of security:
Encrypted Data
All information is encrypted both in transit and at rest using bank-grade AES-256 encryption.
Two-Factor Authentication
Every account login requires identity verification to help prevent unauthorized access.
Automatic Session Timeouts
Inactive sessions are securely closed to protect your account.
Continuous Monitoring
We monitor for unusual activity and conduct frequent third-party security audits.
Secure Infrastructure
Hosted in top-tier, U.S.-based data centers with strict access controls.
Zero Trust Model
We implement a security framework that grants only the minimum necessary access for users and systems, reducing risk and exposure.
Safe Custody of Your Retirement Funds
Your IRA is held with an IRS-approved, qualified custodian, keeping your funds protected, compliant, and always under your control.
FDIC & SIPC Coverage: Cash assets held with custodians may be eligible for FDIC or SIPC insurance, subject to applicable limits.
Qualified Custodian: We partner with federally regulated trust institutions that meet high standards for asset custody.
Segregated Accounts: Client funds are held separately and never commingled.
Regulatory Compliance & Oversight
Trust starts with transparency. IRA Financial is a South Dakota-chartered trust company regulated by the South Dakota Division of Banking (SD DOB). We operate under strict state and federal guidelines to protect your assets.
- Fully compliant with IRS reporting requirements
- Aligned with the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and USA PATRIOT Act
- FinCEN-aligned compliance program: KYC, due diligence, suspicious activity monitoring, and reporting
- Policies designed to meet or exceed regulatory expectations
- Frequent third-party audits and ongoing risk assessments
- Comprehensive cybersecurity and fidelity insurance coverage
Protecting You From Fraud
Security is a team effort. We help you stay protected:
- Report suspicious activity to: info@irafinancial.com
- Always log in directly through the official IRA Financial app or website.
- Never share your password or personal information by email or text.
- Be alert for phishing emails, texts, or websites that look similar to ours.
A Platform Built on Resilience
Learning From the 2022 Incident
In 2022, IRA Financial was targeted in a criminal cyberattack that affected some crypto accounts. We immediately partnered with federal law enforcement, cybersecurity experts, and custodial partners.
The outcome was clear and positive. The FBI identified and arrested the individual responsible, and all affected cryptocurrency assets were fully recovered.
A Stronger, More Secure IRA Financial
Since then, we have taken major steps to strengthen your protection:
- Moved our crypto platform to Bitstamp, a globally regulated exchange known for institutional-grade security
- Upgraded authentication and internal access controls
- Deployed real-time monitoring and threat detection tools
- Expanded external security audits and risk oversight
Our Commitment to You
The 2022 incident was a turning point. We responded with transparency, accountability, and action. Today, our platform is stronger than ever, backed by smarter technology, more secure custodial partnerships, and a deep commitment to your safety.
We will keep investing in the protections that help keep your retirement secure.
See What Our Clients Have to Say
Your Retirement, Protected.
With IRA Financial, your retirement funds are safe, your personal information is private, and your peace of mind is built on solid, proven safeguards.
We are here to protect what you have worked so hard to build, and we will keep earning your trust every day.