6 Best Crypto Robo-Advisors in 2026

In recent years, Robo-advisors have become quite popular among investors due to their low-cost management fees and their user-friendly platforms. Many companies have entered the market and are offering several automatically managed portfolios tailored to the investment profile of each investor.

Another common investing trend is “Cryptocurrencies”. You certainly followed the crypto boom in 2021, when it reached extremely high levels before declining sharply in the first half of 2022 and then comeback again in 2024/2025.

So, you might be wondering if there is any fintech out there that combines the features of Robo-advisors while giving you exposure to the crypto market. In other words, “Do Crypto Robo-advisors exist?” We’ve done this research for you, and yes, there are many Crypto Robo-Advisors that you might want to consider!

• eToro: Best social investing platform. Copy crypto investors automatically or invest in a crypto portfolio through Smart Portfolios. eToro offers a signup bonus internationally - worth up to $500.
• Wealthfront: A US Robo-advisor that lets you allocate up to 10% to crypto via spot Bitcoin and Ethereum ETFs.
• Sarwa: A Robo-advisor offering an indirect 5% exposure to crypto, plus direct crypto trading via Sarwa Trade.
• M1 Finance: A US platform offering direct crypto investing (Bitcoin, Ethereum and more) in automated Crypto Pies.
• Shrimpy Advisory: A cryptocurrency robo-advisor (now powered by Gemini) that lets beginners and experts invest across various crypto sectors.
• Betterment: A managed Crypto ETF portfolio of spot Bitcoin and Ethereum ETFs (the successor to its former Makara product).

Continue reading this article to learn more.

Looking for a crypto financial advisor instead? Check our article about crypto financial advisors.

What is a Crypto Robo-advisor?

In a nutshell, Robo-advisors use automated tools and algorithms to help you invest your money. They recommend a particular investment portfolio based on your answers to a series of questions regarding your financial situation, investment goals, and risk perception. The recommended portfolio might include several asset classes and is managed automatically with no or minimal human intervention. The goal of a regular robo-advisor is to help people invest in the stock market with little effort and at low barriers to entry.

Similarly, a crypto Robo-advisor is an online service that allows anyone to invest in cryptocurrencies without having to know almost anything about the crypto market. Basically, users just have to put in the money and answer a series of questions, and the app will automatically create a crypto portfolio for the user based on his/her profile. No need to know anything about crypto wallets, exchanges, which cryptos to invest in, etc. It also helps users by periodically rebalancing and managing their crypto portfolio. Additionally, some crypto robo-advisors even lend the users’ cryptos to help them earn additional interest.

Best Crypto Robo-Advisors

As mentioned earlier, many Robo-advisors have started offering automated crypto portfolios or added some crypto exposure to their traditional automated portfolios. Others went even further by creating a 100%-crypto robo-advisor. In the following section, we mention some of those Robo-advisors, whether they fully or partly invest their portfolios in cryptocurrencies.

#1 eToro (Social Investing Platform)

eToro is a multi-asset brokerage and social trading platform that was created in 2007. It has grown in prominence as a leading online platform for social investing and trading in a wide range of financial assets such as equities, cryptocurrencies, commodities, FX, and others.

While eToro provides some social trading and portfolio management capabilities that are comparable to robo-advisors, it is important to remember that eToro’s core functionality is centered on social trading, and its platform may not fully mimic the services provided by dedicated robo-advisory firms.

In crypto, the company offers robo-advice services through its “Smart Portfolios” which are designed to help investors in creating diversified crypto portfolios.

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#2 Wealthfront

Wealthfront is a US-based Robo-advisor offering several investment portfolios based on your risk profile and financial goals. In addition to the traditional automated portfolios, Wealthfront lets you add crypto exposure through spot ETFs that track Bitcoin and Ethereum — currently the iShares Bitcoin Trust (IBIT) and the iShares Ethereum Trust (ETHA). These ETFs replaced the previously used Grayscale trusts (GBTC and ETHE) after spot crypto ETFs were approved. You can allocate a maximum of 10% of your total portfolio value to cryptocurrency.

You can only open an account at Wealthfront if you are a US resident, and the minimum balance to start investing is $500.

#3 Sarwa

Sarwa is a Robo-advisor available for international clients except for US citizens or those having single passports from Iran, North Korea, Northern Cyprus, and Yemen. It offers a wide range of automatically managed portfolios. If you choose to add crypto exposure to your portfolio, Sarwa will invest 5% of your portfolio in a spot Bitcoin ETF (the iShares Bitcoin Trust, IBIT), giving you exposure to the price movement of Bitcoin. If you prefer to trade crypto directly, Sarwa Trade also lets you buy and sell crypto from $5.

You can open an account starting at $5, but to get access to the crypto portfolio, your balance needs to be greater than $2,500, and the fees range between 0.50% and 0.85% annually. You can check out our full Sarwa review.

#4 M1 Finance

M1 Finance is a popular fintech company known for its automated, commission-free investing portfolios (“Pies”). M1 now offers direct cryptocurrency investing: you can build automated Crypto Pies with Bitcoin, Ethereum and other coins. Crypto trading, execution, and custody are provided by Bakkt. M1 doesn’t charge a trading commission, but Bakkt applies a 1% fee on crypto purchases and sales.

M1 is free to use — the former M1 Plus paid tier has been discontinued, and its premium features are now available to everyone. M1 is only available in the US.

#5 Shrimpy Advisory

Shrimpy Advisory is a cryptocurrency robo-advisor that allows both beginners and experts to invest in various sectors of crypto. As an SEC-registered robo-advisor — now powered by Gemini for custody and trade execution — Shrimpy Advisory offers people an opportunity to get started in crypto without previous knowledge of the industry.

Shrimpy Advisory offers various crypto baskets with preset allocations of assets, ranging from blue chip coins like Bitcoin and Ethereum to some of the newer and more unique projects in the Metaverse, DeFi, Layer 1, and more.

Simply set up your account, answer a few questions about your risk tolerance and investment timeline, and deposit funds and Shrimpy Advisory does all the rest. They constantly monitor the crypto industry and update baskets and allocations as needed to match market shifts and trends. No need to monitor your investments day-to-day, as Shrimpy does all of the buying, selling, and research so you can relax and enjoy the things that matter most to you.

#6 Betterment Crypto ETF Portfolio

Betterment is one of the largest US robo-advisors. It previously ran a 100%-crypto robo-advisor called Makara, but that product was discontinued on November 20, 2024. In its place, Betterment now offers a managed Crypto ETF portfolio made up of spot Bitcoin and Ethereum ETFs, weighted broadly by market capitalization and automatically rebalanced — a lower-cost, more regulated way to get crypto exposure than holding the coins directly.

The Crypto ETF portfolio carries Betterment’s standard management fee (0.25% per year, with a $4/month option on smaller balances) plus the underlying ETF expenses. It is available to US residents.

Conclusion

Crypto Robo-advisors are still relatively new, but the growing popularity of cryptocurrencies is currently pushing many Robo-advisors to offer crypto portfolios or include crypto-related ETFs in their portfolio offerings. When searching for a suitable crypto Robo-advisor, examine whether they support the cryptocurrency you wish to get exposure to or invest in. Investigate whether they invest directly in the coins or provide you an indirect exposure through crypto-related ETFs and funds. We also recommend checking the fees charged and the minimum balance requirements.

Finally, we hope you’ve found our breakdown of the best crypto Robo-advisors useful. Keep in mind that investing in cryptocurrency involves substantial risk, and some cryptocurrencies are highly volatile, so make sure to diversify your investments and be aware of your ability to take risks. If you have any questions, feel free to leave a comment below.

A reminder that the above should not be construed as investment advice and should be considered information only. Investors should do their own research and due diligence about the services and opportunities best suited for their risk, returns, and impact strategy.

Happy investments!