The financial world is witnessing a pivotal shift as traditional investment giants embrace digital assets. Fidelity Investments, one of the most recognized names in mutual funds and retirement planning, is stepping boldly into the cryptocurrency space with the launch of Fidelity Crypto — a new retail trading platform for Bitcoin and Ether. This strategic move marks a significant milestone in the mainstream adoption of crypto, signaling growing confidence in digital assets among institutional investors and everyday savers alike.
A Commission-Free Gateway to Crypto
Fidelity’s upcoming crypto trading service will allow retail customers to buy and sell Bitcoin (BTC) and Ether (ETH) with zero commissions. Instead of charging traditional trading fees, the platform will incorporate a 1% spread into the execution price — the difference between what users pay and the actual market rate at which Fidelity fills their orders.
This model balances accessibility with sustainability, offering cost-effective entry into crypto markets without hidden fees. While not the first to offer commission-free trading — platforms like Robinhood have long used similar models — Fidelity brings unparalleled credibility, security, and regulatory compliance to the table.
👉 Discover how easy it is to start your crypto journey today.
Powered by Fidelity Digital Assets
The new retail offering will be powered by Fidelity Digital Assets, the firm’s dedicated arm focused on institutional-grade crypto custody, execution, and advisory services. Established in 2018, Fidelity Digital Assets has already built a strong reputation for secure infrastructure and regulatory adherence — key differentiators in an industry often plagued by volatility and security concerns.
By leveraging this existing framework, Fidelity ensures that its retail customers benefit from enterprise-level protections, including cold storage solutions, multi-signature wallets, and advanced cybersecurity protocols.
Targeting the Next Generation of Investors
One of Fidelity’s core motivations behind launching a consumer-facing crypto platform is to attract younger investors — particularly Millennials and Gen Z — who are more likely to view digital assets as a legitimate part of their financial portfolios.
According to recent surveys, over 50% of Millennials believe crypto should be included in retirement plans. By integrating crypto into its broader financial ecosystem, Fidelity aims to meet these evolving expectations while reinforcing its position as a forward-thinking financial services leader.
This effort aligns with earlier initiatives, such as Fidelity’s 2023 announcement allowing retirement savers to allocate part of their 401(k) funds directly into Bitcoin. That decision was groundbreaking, making Fidelity one of the first major financial institutions to offer direct crypto exposure within tax-advantaged retirement accounts.
Building a Broader Crypto Ecosystem
Fidelity isn’t going it alone. In September 2022, the company joined forces with Charles Schwab and Citadel Securities to co-develop a new cryptocurrency exchange. Though details remain limited, this collaboration underscores Fidelity’s long-term commitment to shaping the future of digital asset trading through regulated, transparent market structures.
Unlike many decentralized or unregulated exchanges, Fidelity’s approach emphasizes compliance, investor protection, and integration with traditional finance — a combination that could accelerate institutional adoption and restore trust in crypto markets after high-profile collapses like FTX.
How to Access Fidelity Crypto
Fidelity has opened a waitlist for early access to its crypto trading platform. Customers who sign up will gain entry based on their registration date and state availability. While the company hasn’t announced a full rollout timeline, interested users are encouraged to join the waitlist to increase their chances of early onboarding.
Eligibility may vary by jurisdiction due to differing state regulations around digital assets. However, Fidelity’s extensive regulatory experience positions it well to navigate these complexities and expand access over time.
👉 Learn how you can prepare for the next era of digital investing.
Why This Move Matters for the Crypto Industry
Fidelity’s entry into retail crypto trading is more than just another product launch — it’s a signal of maturation in the digital asset space. When trusted financial institutions integrate crypto into their core offerings, it validates the technology and encourages wider acceptance across banks, pension funds, and advisory firms.
Moreover, Fidelity’s reputation for education and customer support means users won’t just gain access to trading tools — they’ll also receive guidance on risk management, portfolio diversification, and long-term wealth building with digital assets.
Core Keywords Driving Adoption
The success of Fidelity Crypto hinges on several key themes:
- Bitcoin trading
- Ether trading
- Crypto retirement investing
- Commission-free crypto
- Fidelity Digital Assets
- 401(k) crypto integration
- Institutional crypto adoption
These keywords reflect both user search intent and broader market trends. By naturally incorporating them into its platform messaging and educational content, Fidelity strengthens its SEO visibility while addressing real investor needs.
👉 See how top platforms are making crypto accessible to everyone.
Frequently Asked Questions (FAQ)
Can I trade cryptocurrencies on Fidelity now?
As of now, Fidelity has not fully launched its retail crypto trading platform. However, you can join the waitlist for Fidelity Crypto to receive early access when it becomes available.
Will Fidelity charge fees for crypto trading?
Fidelity will not charge commissions for Bitcoin and Ether trades. Instead, a 1% spread will be applied to the execution price, which covers the cost of trade processing and market liquidity.
Is my crypto safe with Fidelity?
Yes. Fidelity Digital Assets uses institutional-grade security measures, including offline cold storage, multi-factor authentication, and encrypted key management systems, ensuring robust protection against theft and cyber threats.
Can I invest in Bitcoin through my 401(k) with Fidelity?
Yes. Fidelity allows eligible retirement plan participants to invest directly in Bitcoin through their 401(k), subject to plan sponsor approval. This feature makes Fidelity a pioneer in blending traditional retirement savings with digital asset exposure.
Does Fidelity support Ethereum?
Yes. Alongside Bitcoin, Ether (ETH) will be available for trading on the new Fidelity Crypto platform. This reflects growing demand for exposure to Ethereum’s ecosystem, including decentralized finance (DeFi) and non-fungible tokens (NFTs).
Why is Fidelity entering the crypto market now?
Fidelity sees increasing demand from younger investors and institutions seeking regulated access to digital assets. By launching a secure, compliant crypto trading service, Fidelity positions itself at the forefront of financial innovation while meeting evolving client expectations.
With its blend of trust, technology, and long-term vision, Fidelity’s entry into retail crypto trading represents a turning point for mainstream adoption. As barriers between traditional finance and digital assets continue to dissolve, platforms like Fidelity Crypto pave the way for a more inclusive, diversified financial future.