We help clients invest in Digital Assets with clarity, custody, and care.
We’re proud to offer institutional-grade custody and execution for Bitcoin and digital assets through our strategic relationship with BitGo, the largest independent custodian of digital assets in the U.S., with over $100 billion in assets under custody.
At RGA, we believe digital assets deserve the same level of security, transparency, and fiduciary care as any other investment we manage. Through BitGo Trust Company, clients can now access Bitcoin with the confidence that their assets are held securely, transparently, and with bankruptcy-remote protection.
Why We Custody Digital Assets with BitGo
Qualified Custodian for Digital Assets
BitGo Trust Company is a regulated Qualified Custodian purpose-built for Bitcoin and digital assets. Unlike exchanges that co-mingle funds and offer little protection in the event of bankruptcy, BitGo provides secure, segregated custody, and fiduciary duty.
Bankruptcy Remote Protection
Client assets are held at BitGo South Dakota Trust Company, a bankruptcy-remote legal entity. This ensures that even in the unlikely event of a corporate failure, your assets remain safe and unaffected by creditor claims—unlike platforms like Coinbase, where clients are considered unsecured creditors.
Multi-Signature Wallets & Cold
Storage Architecture BitGo pioneered multi-signature Bitcoin wallets, offering institutional-grade security with geographically distributed private keys and no single point of failure. Assets are stored offline in cold storage vaults, physically secured in undisclosed U.S. locations.
Transparent Ownership
Clients own their Bitcoin outright. Assets are held in dedicated, viewable wallets on the Bitcoin blockchain—not pooled or obscured. This reinforces the principles of sovereignty and transparency, allowing on-chain verification of your holdings.
Trading & Execution with Smart Routing
Our clients access institutional trading via BitGo Prime, with low fees (30 bps) and deep liquidity. BitGo’s Smart Order Router optimizes execution across multiple liquidity providers, often outperforming typical exchanges, which can charge 100–200 bps per trade.
Founder-Led Vision & Long-Term Commitment
BitGo was founded in 2013 by Mike Belshe, a key developer of the original internet protocols (HTTP/2). From day one, BitGo has focused on building secure infrastructure for Bitcoin—trusted today by firms like Fidelity and other leading asset managers.
Custom Policy Controls
BitGo’s advanced Policy Engine empowers RIA firms like ours to add another layer of protection by requiring multiple signers for transactions and managing risk directly in our operational workflow.
At RGA, we believe Bitcoin has a role to play in a diversified portfolio—and we’re proud to offer our clients access with the security and professionalism they expect.
To learn more about how we integrate Bitcoin into our investment strategies, or to discuss holding your assets securely with us, contact us today.
Frequently Asked Questions
What does “bankruptcy remote” mean?
It means your assets are held in a legal trust entity (BitGo Trust Company) that is separate from BitGo Inc.’s corporate operations. Even if BitGo Inc. were to fail, your digital assets are insulated from creditor claims and remain accessible to you.
Can I see my Bitcoin on the blockchain?
Yes. Assets held with BitGo are stored in dedicated wallets that can be viewed on-chain. Clients have transparency into their holdings and can verify them independently.
Is my Bitcoin insured?
Yes. BitGo maintains insurance coverage to protect against theft and hacks. Combined with
their cold storage, multi-signature technology, and geographically distributed key management, this provides robust protection of client assets.
What happens if I lose access or something goes wrong?
Unlike self-custody solutions (e.g., Ledger or Trezor), BitGo provides institutional-grade customer service and recovery protocols. There are no single points of failure—access is managed securely through multi-signature authorization and RGA oversight.
How is BitGo different from exchanges like Coinbase or Kraken?
BitGo is a regulated Qualified Custodian—not an exchange. That means client assets are held in segregated accounts, with fiduciary oversight and bankruptcy-remote protection. In contrast, most exchanges pool client assets in omnibus wallets and do not offer the same level of regulatory or legal protection. If an exchange fails, clients may be considered unsecured creditors. With BitGo, your assets remain legally yours.
What happens if I lose access or something goes wrong?
Unlike self-custody solutions (e.g., Ledger or Trezor), BitGo provides institutional-grade customer service and recovery protocols. There are no single points of failure—access is managed securely through multi-signature authorization and RGA oversight.
Can I buy more Bitcoin through RGA?
Yes. We offer low-cost institutional execution through BitGo Prime, with access to deep liquidity and trading fees as low as 30 bps—significantly lower than retail platforms.
Is Bitcoin right for me?
That depends on your risk tolerance, time horizon, and goals. At RGA, we assess each client’s situation individually. For some, Bitcoin may be a long-term store of value or a diversifier. For others, it may not be appropriate. We’re happy to walk you through that decision as part of your broader wealth plan.
Is BitGo audited?
Yes. BitGo is SOC 2 Type II audited, meaning its internal controls and information security practices are reviewed and tested by independent auditors annually. This provides an added layer of trust and transparency for institutional clients.
Is there insurance on my digital assets?
Yes. BitGo maintains comprehensive insurance coverage for assets held in custody, protecting against risks such as theft, hacks, and internal fraud.