With Bitcoin in the mid-$80,000 range and spot ETF inflows exceeding $3.5 billion in August alone, digital assets are gaining institutional momentum that is reshaping how investors think about crypto in retirement. For long-term holders, the tax structure around the account may matter as much as the asset itself.
The IRS's new Form 1099-DA began applying to 2025 digital asset transactions, with custodial exchanges now reporting gross proceeds directly to both account holders and the IRS. Beginning with 2026 transactions, full cost basis reporting expands that disclosure significantly — and SDIRA crypto holders need to understand how this new reporting regime affects their accounts.
Learn about Form 1099-DA and its impact on crypto SDIRA tax reporting for 2026 transactions. Essential info for investors and custodians.
From Form 1099-DA's debut to XRP's return to the SDIRA mainstream after its legal resolution, 2026 marks a defining year for cryptocurrency inside self-directed retirement accounts. The IRS is paying closer attention than ever -- and so are the investors who understand why a Roth SDIRA may be the single most powerful tax shelter in crypto history.