6 Best Crypto Robo-Advisors in 2024

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In recent years, robo-advisors have surged in popularity thanks to their low fees, intuitive platforms, and automated investment strategies. These digital platforms use algorithms to build and manage diversified portfolios tailored to individual risk profiles, financial goals, and time horizons. At the same time, cryptocurrencies have captured global attention—especially after the dramatic price swings of 2021 and 2022.

With both trends gaining momentum, a natural evolution has emerged: crypto robo-advisors. These platforms combine algorithm-driven portfolio management with exposure to digital assets, making crypto investing accessible even for beginners.

So, do crypto robo-advisors exist? Yes—and they’re growing fast. Whether you're looking for full crypto allocation or just a slice of digital assets in a broader portfolio, there are several strong options worth exploring.

👉 Discover how automated crypto investing can simplify your financial journey.

What Is a Crypto Robo-Advisor?

A traditional robo-advisor uses automated algorithms to recommend and manage investment portfolios based on your financial situation, goals, and risk tolerance. These platforms typically invest in stocks, bonds, and ETFs with minimal human intervention.

A crypto robo-advisor works similarly but focuses on digital assets. Instead of navigating exchanges, wallets, or researching individual coins, users answer a few questions about their investment preferences. The platform then builds and manages a diversified crypto portfolio automatically.

Key benefits include:

These tools are perfect for those who want crypto exposure without the complexity of active trading.

Top 6 Crypto Robo-Advisors in 2024

As demand for crypto integration grows, more robo-advisors are offering digital asset options—either through direct holdings, crypto baskets, or blockchain-related ETFs. Below are six of the best platforms helping investors gain exposure to the crypto market.

1 Makara by Betterment

Makara is a dedicated crypto robo-advisor owned by Betterment, one of the pioneers in automated investing. It allows users to invest in pre-built digital asset baskets designed around specific themes or strategies.

Each basket is algorithmically managed and rebalanced to reflect market conditions and investor goals. Available portfolios include:

Fees: Makara charges a 1.0% annual advisory fee on multi-asset baskets. However, single-asset baskets (e.g., Bitcoin or Ethereum) have no management fee.

This makes it one of the most flexible and transparent crypto robo-advising platforms available today.

👉 See how easy it is to start building a diversified crypto portfolio.

2 eToro – Social Investing Platform

eToro is a leading multi-asset trading platform known for its social investing features. While not a pure robo-advisor, it offers Smart Portfolios—curated baskets of assets that function similarly to automated investment plans.

For crypto investors, eToro provides:

One standout feature is the ability to copy successful crypto investors automatically, blending human insight with algorithmic execution.

eToro supports direct ownership of popular cryptocurrencies and is regulated in multiple jurisdictions, adding a layer of trust.

3 Wealthfront

Wealthfront is a well-established US-based robo-advisor offering automated portfolios based on risk tolerance. While it doesn’t allow direct crypto purchases, it provides limited exposure through the Grayscale Bitcoin Trust (GBTC) and Grayscale Ethereum Trust (ETHE).

Key details:

This option suits conservative investors who want regulated, indirect crypto exposure within a traditional investment framework.

4 Sarwa

Sarwa is a digital advisor catering to international investors (excluding U.S. citizens and residents of certain restricted countries). It offers automated portfolios with optional crypto exposure.

With Sarwa:

Sarwa is ideal for non-U.S. investors seeking a globally accessible platform with modest crypto integration.

5 M1 Finance

M1 Finance stands out for its hybrid model—combining automation with customization. Though it doesn’t offer direct cryptocurrency investments, it allows access to crypto and blockchain ETFs such as:

These ETFs provide diversified exposure to companies involved in blockchain technology and digital asset ecosystems.

M1 Finance is commission-free and ideal for investors who want tech-driven exposure without holding actual coins. However, it's only available to U.S. residents.

6 Shrimpy Advisory

Shrimpy Advisory is a newly launched, SEC-registered crypto robo-advisor designed for both beginners and experienced investors. It offers professionally managed crypto baskets across key sectors:

The process is simple:

  1. Complete a risk assessment questionnaire
  2. Deposit funds
  3. Let Shrimpy handle portfolio construction, rebalancing, and research

Shrimpy continuously monitors market trends and adjusts allocations accordingly—removing the need for daily oversight.

It’s an excellent choice for hands-off investors seeking expert-level strategy without the complexity.

Frequently Asked Questions (FAQs)

Do crypto robo-advisors actually work?

Yes. Crypto robo-advisors use data-driven models to build diversified portfolios and rebalance them over time. They reduce emotional decision-making and help maintain disciplined investing—especially valuable in volatile markets.

Are crypto robo-advisors safe?

Platforms like Makara, eToro, and Shrimpy Advisory operate under regulatory oversight and use secure custodial solutions. However, all crypto investments carry inherent risks due to market volatility and evolving regulations.

Can I lose money using a crypto robo-advisor?

Yes. Cryptocurrencies are highly volatile. Even well-managed portfolios can experience significant drawdowns during market corrections. Always invest only what you can afford to lose.

How do crypto robo-advisors make money?

Most charge an annual management fee (typically 0.5%–1.0%) on assets under management. Some may also earn revenue through custody fees or partnerships with underlying service providers.

Is automated crypto investing better than self-managing?

For most people, yes—especially those lacking time or expertise. Automated platforms reduce errors, enforce diversification, and eliminate emotional trading decisions that often hurt returns.

Which is better: direct ownership or ETF-based exposure?

Direct ownership gives full control over your assets but requires technical knowledge. ETF-based exposure (like GBTC or BLOK) offers simplicity and regulatory protection but comes with premiums, fees, and indirect ownership.

👉 Compare your options and take the next step toward smarter crypto investing.

Final Thoughts

Crypto robo-advisors are reshaping how people access digital assets. By combining automation, diversification, and professional management, they lower the barrier to entry and help investors navigate a complex ecosystem with confidence.

When choosing a platform, consider:

While these tools simplify investing, remember: cryptocurrency involves high risk. Prices can swing dramatically in short periods. Always conduct your own research and ensure any investment aligns with your personal risk tolerance.

Whether you're dipping your toes into crypto or building a long-term strategy, a reliable robo-advisor can be a powerful ally.

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