In recent years, robo-advisors have surged in popularity thanks to their low fees, automated portfolio management, and user-friendly platforms. These digital investment tools use algorithms to build and manage diversified portfolios based on your risk tolerance, financial goals, and time horizon—making investing more accessible than ever.
At the same time, cryptocurrencies have captured global attention, especially after the historic bull run in 2021 and the market corrections that followed. With increasing mainstream adoption, many investors are now asking: Can I gain exposure to crypto through a robo-advisor?
The answer is yes—enter the crypto robo-advisor, a hybrid solution that blends automated investing with digital asset exposure. Whether you're a beginner or an experienced investor, these platforms simplify crypto investing by handling portfolio construction, rebalancing, and risk management for you.
Let’s explore the top six crypto robo-advisors available today, their features, fees, and how they can help you navigate the volatile world of digital assets.
What Is a Crypto Robo-Advisor?
A robo-advisor is an online platform that uses algorithms to automate investment decisions. After you complete a short questionnaire about your financial situation and risk appetite, it recommends a diversified portfolio—typically made up of ETFs, stocks, and bonds—and manages it with minimal human intervention.
A crypto robo-advisor works similarly but focuses on digital assets. Instead of traditional securities, your portfolio may include Bitcoin, Ethereum, DeFi tokens, or crypto-themed ETFs. These platforms allow you to invest in cryptocurrencies without needing to understand wallets, exchanges, or blockchain technology.
Key benefits include:
- Automated portfolio creation and rebalancing
- Exposure to crypto without direct trading
- Lower barriers to entry
- Risk-adjusted strategies tailored to your profile
👉 Discover how automated crypto investing can simplify your financial journey.
Top 6 Crypto Robo-Advisors in 2024
1 Makara by Betterment
Makara, a subsidiary of Betterment, is one of the first fully dedicated crypto robo-advisors. It allows users to invest in diversified baskets of digital assets based on market sectors and investment themes.
Available crypto baskets include:
- Bitcoin Basket: Direct exposure to BTC
- Ethereum Basket: Focused on ETH
- Blue Chip Basket: Equal-weighted allocation to major coins like Litecoin and Dogecoin
- DeFi Basket: Exposure to decentralized finance projects
- Inflation Hedge Basket: Combines Bitcoin with tokenized gold
- Metaverse & Web 3.0 Baskets: Invest in next-gen blockchain ecosystems
Makara charges a 1.0% annual advisory fee on multi-asset baskets, but single-asset baskets (Bitcoin and Ethereum) have no management fee. This makes it an attractive option for investors seeking targeted exposure.
2 eToro – Social Investing Platform
While not a traditional robo-advisor, eToro offers automated crypto investing through its Smart Portfolios—curated baskets of digital assets managed by experts.
Features:
- Copy successful traders automatically (social trading)
- Invest in pre-built crypto portfolios like “Top Traders” or “Crypto 10”
- User-friendly interface ideal for beginners
eToro stands out for its community-driven approach, blending automation with social insights. However, keep in mind that it functions more as a brokerage than a pure robo-advisor.
👉 See how automated crypto portfolios can grow your wealth with minimal effort.
3 Wealthfront
Wealthfront, a leading U.S.-based robo-advisor, allows investors to allocate up to 10% of their portfolio to cryptocurrencies via the Grayscale Bitcoin Trust (GBTC) and Grayscale Ethereum Trust (ETHE).
These trusts behave like ETFs, offering indirect exposure to Bitcoin and Ethereum price movements without holding the actual coins.
Key details:
- Minimum investment: $500
- Only available to U.S. residents
- Portfolio remains primarily focused on traditional assets
This option suits conservative investors who want limited but regulated crypto exposure.
4 Sarwa
Sarwa is a global robo-advisor serving international clients (excluding U.S. citizens and residents of certain restricted countries). It offers automated portfolios with optional crypto exposure.
With Sarwa:
- You get 5% indirect exposure to Bitcoin via GBTC
- Minimum balance of $2,500 required for crypto access
- Fees range from 0.50% to 0.85% annually
Sarwa is ideal for non-U.S. investors looking for a regulated way to add crypto to a diversified portfolio.
5 M1 Finance
M1 Finance is known for its customizable, commission-free investing platform. While it doesn’t offer direct crypto trading, it provides access to blockchain and crypto ETFs, such as:
- Amplify Transformational Data Sharing ETF (BLOK)
- Siren Nasdaq NexGen Economy ETF (BLCN)
These funds invest in companies involved in blockchain technology and cryptocurrency infrastructure.
M1 Finance is free to use but only available in the U.S., making it a solid choice for domestic investors interested in crypto-adjacent assets.
6 Shrimpy Advisory
Shrimpy Advisory is a newly launched, SEC-registered robo-advisor focused entirely on cryptocurrencies. It offers algorithm-driven portfolios across various sectors, including:
- Blue-chip coins (BTC, ETH)
- Layer 1 blockchains
- DeFi and Metaverse projects
Users answer a few questions about risk tolerance and investment goals, then Shrimpy builds and manages their portfolio automatically. The platform continuously monitors market trends and rebalances holdings accordingly.
No minimum investment is required, making it highly accessible for new investors.
Frequently Asked Questions (FAQs)
Do crypto robo-advisors really work?
Yes. Crypto robo-advisors use data-driven strategies to build diversified portfolios and reduce emotional decision-making. While they don’t guarantee profits, they help manage risk and simplify investing for beginners.
Are crypto robo-advisors safe?
Most reputable platforms use secure custody solutions, regulatory compliance, and encryption to protect user funds. However, crypto investments are inherently volatile—always assess the platform’s security measures and your own risk tolerance.
Can I lose money using a crypto robo-advisor?
Absolutely. Cryptocurrencies are highly volatile. Even well-managed portfolios can experience significant drawdowns during market downturns. Only invest what you can afford to lose.
How do crypto robo-advisors make money?
They typically charge management fees ranging from 0% to 1.0% of assets under management. Some also earn revenue through spreads or partner products.
Is indirect crypto exposure (like GBTC) better than holding actual coins?
Indirect exposure via trusts or ETFs offers convenience and regulatory oversight but may come with premiums or tracking errors. Holding actual coins gives full control but requires secure storage and technical knowledge.
Which is better: direct crypto ownership or using a robo-advisor?
It depends on your expertise and goals. Robo-advisors are ideal for hands-off investors seeking diversification. Direct ownership suits those who want full control and are comfortable managing wallets and exchanges.
Final Thoughts
The rise of crypto robo-advisors reflects growing demand for simplified, automated access to digital assets. Whether you want full exposure through platforms like Makara or Shrimpy Advisory—or prefer indirect access via ETFs and trusts through Wealthfront or Sarwa—there’s an option for every investor type.
When choosing a platform, consider:
- Your residency and eligibility
- Fee structure
- Type of crypto exposure (direct vs. indirect)
- Portfolio customization and rebalancing frequency
👉 Start your automated crypto investment journey today—explore secure, user-friendly options now.
Core Keywords
crypto robo-advisor, automated crypto investing, best crypto robo-advisors 2024, cryptocurrency investment platforms, digital asset management, algorithmic investing, passive crypto investing