5 Best Crypto Robo-Advisors (rated by trading fees) in 2023

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I'm Donny. I'm a world traveler, investor, entrepreneur, and online marketing aficionado who has a big appetite to compete and disrupt big markets. I thrive on being able to create things that impact change, difficult challenges, and being able to add value in negative situations.

Crypto robo-advisors are an easy way to manage your cryptocurrency investments with minimal input. These robo-advisors are the best options for 2023 based on fees, account options and reviews.

Editors' Choice
Best for Beginners
Best for Millennials
Best for Portfolios
5.0
5.0
4.5
4.0
Benefits:
  • Leading security
  • $0 minimum balance
  • Expert-built portfolios
  • All-in-one investing app
Benefits:
  • Commission free
  • Build custom portfolios
  • Dynamic rebalancing
  • Secure crypto storage
Benefits:
  • Get up to $100 in Bitcoin
  • Start with just $10
  • 24/7 trading
  • Secure trading platform
Benefits:
  • Actively managed
  • Easy-to-use app
  • Lots of transparency
  • Experienced investment team
Editors' Choice
5.0
Benefits:
  • Leading security
  • $0 minimum balance
  • Expert-built portfolios
  • All-in-one investing app
Best for Beginners
5.0
Benefits:
  • Commission free
  • Build custom portfolios
  • Dynamic rebalancing
  • Secure crypto storage
Best for Millennials
4.5
Benefits:
  • Get up to $100 in Bitcoin
  • Start with just $10
  • 24/7 trading
  • Secure trading platform
Best for Portfolios
4.0
Benefits:
  • Actively managed
  • Easy-to-use app
  • Lots of transparency
  • Experienced investment team

Stock market volatility, inflation and the looming threat of potential layoffs have many investors wondering how they can protect their assets if the market crashes.

Cryptocurrencies seem like a tempting alternative to more conventional options, but investing in such a volatile, fast-moving market can seem like a full-time job in itself.

Crypto robo-advisors offer investors a way to invest in cryptocurrency without having to keep as close an eye on the market.

These robo-advisors use advanced algorithms to choose investment strategies and maximize your profit potential without needing your constant attention.

Top 7 Best Crypto Robo-Advisor Platforms

  1. Betterment Crypto – Editors’ choice
  2. M1 Crypto – Best for beginners
  3. SoFi Invest – Best for millennials
  4. Titan Crypto – Best for portfolios
  5. Stash – Best for long-term investors

Methodology

To choose the best crypto robo-advisors for 2023, we analyzed each company, its leadership, account structures and length of time in business. We looked at many verified crypto robo-advisor reviews to determine how happy current customers are with their service.

Betterment Crypto – Editors’ Choice

Betterment is a reputable investment company founded in 2008 by Jon Stein. Betterment manages more than $32 billion in assets for its investors. Its commitment is to provide every potential investor the opportunity to grow their wealth.

Company Highlights

  • Location: New York, NY
  • Accounts: Automated investing, crypto
  • Investor type: All investors
  • BBB rating: Not accredited
  • Fees: 1% of trading fees
  • Account minimum: $0
Pros
  • Leading security
  • $0 minimum balance
  • Expert-built portfolios
  • All-in-one investing app
Cons
  • 1% of trading fee
  • Charges annual advisory fee

Why we chose Betterment crypto: Betterment was one of the first robo-advising platforms, which means it has a leg up on most others. It also has top-notch security, lower fees than many and well-built, reliable portfolios.

Betterment Crypto

A personalized crypto experience. Get guidance on setting up your crypto portfolio and risk level. Recurring deposits let you invest how you want effortlessly!

We earn a commission if you sign-up, at no additional cost to you.

M1 Crypto – Best for Beginners

Brian Barnes founded M1 Finance in 2015. Barnes was an experienced finance expert who started investing when he was only ten. M1 Finance’s commitment is to create avenues for everyday investors to access high-quality investments.

Its most basic crypto account is fee-free with no minimum investment, demonstrating its obligation to offer investment avenues for every American.

Company Highlights

  • Location: Chicago, IL
  • Accounts: Automated investing, crypto
  • Investor type: All investors
  • BBB rating: Not accredited
  • Fees: $0 ($125 per year for Plus membership)
  • Account minimum: $0
Pros
  • Commission free
  • Build custom portfolios
  • Dynamic rebalancing
  • Secure crypto storage
Cons
  • Plus membership is $125/yr
  • Limited customer support

Why we chose M1 Crypto: The best robo-crypto advisor on this list for beginners is M1. It has excellent educational resources and affords investors more customization than any other option.

M1 Finance

Invest, borrow, and spend on one intuitive platform. Customize your strategies, automate the big picture, and let The Finance Super App® take care of the day-to-day—commission-free.

We earn a commission if you create an account, at no additional cost to you.

SoFi Invest – Best for Millennials

Many of the top experts in the personal finance industry run SoFi. With 24/7 trading, top-notch security and a low account minimum, SoFi crypto investing accounts are some of the best in the industry.

Company Highlights

  • Location: San Francisco, CA
  • Accounts: Crypto exchange
  • Investor type: All investors
  • BBB rating: Not accredited
  • Fees: $0
  • Account minimum: $1
Pros
  • Get up to $100 in Bitcoin
  • Start with just $10
  • 24/7 trading
  • Secure trading platform
Cons
  • Charges a markup fee
  • No tax-loss harvesting

Why we chose SoFi Invest: SoFi automated investing has great new-member benefits, a low account minimum and diversified portfolio options.

SoFi Active Investing

Active Investing with SoFi lets you quickly get started investing in stocks and ETFs. Pay zero commission. Buy and sell stocks with no commissions.

We earn a commission if you make a purchase, at no additional cost to you.

Titan Crypto – Best for Portfolios

Max Bernardy, Joe Percoco, and Clayton Gardner founded Titan. These three experienced financial experts provide Americans access to many of the best investments, including private real estate, private loans, and crypto.

Company Highlights

  • Location: New York, NY
  • Accounts: Crypto portfolios
  • Investor type: All investors
  • BBB rating: Not accredited
  • Fees: 0.15% transaction fee, 0.70%-0.90% management fee
  • Account minimum: $500
Pros
  • Actively managed
  • Easy-to-use app
  • Lots of transparency
  • Experienced investment team
Cons
  • Only can invest in portfolios
  • Yearly management fees

Why we chose Titan Crypto: Run by industry experts, Titan Crypto has an excellent track record of supporting customers. Through transparency and simple app design, Titan makes investing accessible for beginners.

Titan

Titan provides a personalized investing plan and human professionals to help manage your money for you. Get started with Titan today.

We earn a commission if you sign-up, at no additional cost to you.

Stash – Best for Long-term Investors

Brandon Krieg and Ed Robinson founded Stash; two Wall Street investors determined to help Americans invest in a market stacked against them. Its accounts offer indirect access to crypto through fractional shares of exchange-traded funds and single stocks, though no direct crypto ownership.

Company Highlights

  • Location: New York, NY
  • Accounts: Automated investing, smart portfolios
  • Investor type: All investors
  • BBB rating: Not accredited
  • Fees: $3-$9 per month, 0.8%-1% trading fee
  • Account minimum: $0
Pros
  • Smart crypto portfolios
  • Auto-recurring investments
  • Advice from registered investment advisors
  • Easy-to-use mobile app
Cons
  • Fees for crypto trades
  • No direct ownership of crypto

Why we choose Stash: Stash profiles are highly customized, and you can set up your account with automatic payment to make your investing hands-off. It also has excellent advice and educational content for new investors.

Stash Automated Investing

Smart Portfolio is a robo-advisor that gives you a diversified portfolio based on your risk profile. It’s the easy way to invest.

We earn a commission if you create an account, at no additional cost to you.

Crypto Robo-Advisor Investors Guide

Crypto robo-advisors offer investment management services based on algorithms and portfolio balancing. These platforms are simple to use, allow you to invest on autopilot and require very little input.

If you are an experienced investor or want consistent involvement in running your portfolio, robo-advisors are likely not your best option. But if you are a new investor or want to let your assets grow untouched, robo-advisors can help you achieve your goals.

Before you begin any robo-advisor-based investing, you must understand the benefits and risks to know what to look for in a platform.

Benefits of Crypto Robo-Advisors

  • Low fees: Compared to traditional financial planners, robo-advisors are remarkably low-cost.
  • Accessibility: Robo-advisor platforms do not require accreditation, and you can run them entirely from your home, making them perfect for budget or non-conventional investors.
  • Automatic portfolio rebalancing: Robo-advisors will balance your crypto allocations to ensure you have a diversified portfolio that suits your risk tolerance.
  • Passive investing: robo-advisors require minimal effort once set up.
  • Low minimum investments: Many investment accounts have high minimums that make it difficult for the average person to receive financial advice. Crypto robo-advisors typically have very low or no start-up minimums.
  • Great for new investors: To invest with a robo-advisor platform, you will generally fill out a beginner-friendly questionnaire with questions about your goals and financial situation, and the advisor does the rest.

Disadvantages of Crypto Robo-Advisors

  • Volatile asset class: The value of cryptocurrencies can change quickly, making it a riskier asset class than most others.
  • Trading fees: Paying a fee on every trade will take a significant cut of your potential profits.
  • No human support: Many robo-crypto advisors don’t have much human support if you want to discuss your investment goals or portfolio.
  • No personalization: Most crypto robo-advisors use a limited set of investment portfolios, which makes it difficult, if not impossible, to customize your investments.

How to Choose a Crypto Robo-Advisor

The best robo-advisors will support plenty of reliable cryptos, have reasonable fee structures, and provide access to a traditional financial advisor if you need one. It would help to consider the following when choosing an investment platform.

Factors to consider
  • Trading and management fees: Assess whether you’ll need to pay trading and management fees.
  • Crypto offerings: If you’re interested in a niche cryptocurrency, double-check that your investment account will hold that type of crypto.
  • Expense ratios: The cost of operating your account should be as small a percentage of your profit as possible.
  • Account types: Robo-advisor platforms may offer IRAs, brokerage accounts, or other accounts. Choose a company that provides the investment account you’re looking for.
  • Investment options: Not all investment platforms offer all forms of investing. Look for a platform that invests in ETFs, cryptos, mutual funds, or other options that interest you
  • Rebalancing: Good crypto robo-advisors will consistently ensure a balanced and diversified crypto exposure.
  • Access to human advisors: Human financial advisors will be able to understand your financial goals better and put you on a path to get there. A good robo-advisor platform will provide you with the option of human advice if you need it.

Which Crypto Robo-Advisor Should You Choose?

While any of the listed crypto robo-advisors are excellent options, the best crypto advisor depends on your investment strategy, risk tolerance and the type of crypto investment you’re looking for.

Whatever your strategy and whichever company you choose, a crypto robo-advisor can help you diversify your portfolio and keep your crypto assets balanced to minimize your investment risk.

Crypto Robo-Advisor FAQs

These are the questions we see the most about choosing a crypto robo-advisor.

What is a crypto robo-advisor?

A crypto robo-advisor is an algorithm-driven investment advisor that helps you balance your portfolio.

How does a crypto robo-advisor work?

Crypto robo-advisors use algorithms and automation to choose your investments and balance your portfolio.

Is crypto a good investment?

Though risky, crypto can be a good investment with quick, high returns.

What percentage of your portfolio should you invest in crypto?

You should invest no more than 5% of your portfolio in crypto to maintain diversity and protect yourself in the event of a crypto crash.

Betterment Crypto

A personalized crypto experience. Get guidance on setting up your crypto portfolio and risk level. Recurring deposits let you invest how you want effortlessly!

We earn a commission if you sign-up, at no additional cost to you.

I'm Donny. I'm a world traveler, investor, entrepreneur, and online marketing aficionado who has a big appetite to compete and disrupt big markets. I thrive on being able to create things that impact change, difficult challenges, and being able to add value in negative situations.

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