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Crypto & Digital Assets

Crypto → Charitable Remainder Trust (CRUT/CRAT)

Contribute crypto to a CRT — no cap gains, deduct PV of remainder, lifetime income stream.

Overview

Contribute appreciated BTC to a Charitable Remainder Unitrust: trust sells crypto tax-free, invests in a diversified portfolio, and pays you (or you+spouse) 5–10% annually for life or a term of years. At death/term end, remainder goes to a named charity. You get: (1) immediate charitable deduction of PV of remainder (10–40% of contribution), (2) diversification with zero cap gains hit, (3) lifetime income stream. Distributions taxed as ordinary/cap gain/tax-free based on 4-tier system.

Best fit
Crypto holders with 7-figure+ appreciationCharitably-inclined retireesEstate-planning HNW
Estimated impact
Full deferral of 20–37% cap gains + $200K+ charitable deduction on $1M gift

Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.

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