HSA Product - SOUND HSA

How it Works

Create Your Account

Complete our quick and easy onboarding flow to apply to open your health savings account.

Transfer or Contribute New Funds

Add funds to your SOUND HSA account by making a tax-deductible contribution directly from your bank or transferring funds from an existing HSA.

Buy Bitcoin

Direct the amount of USD you choose into sound money health savings.

HSA Contribution Limits and Investment Calculator

For Individuals, Families & Employers

We're built for individuals and families looking to save for your healthcare future in a sovereign self-directed vehicle, and employers seeking to offer a bitcoin-based benefit for your employees.

For Individuals & Families

Learn More

For Employers

Learn More

Pricing

Activation

$50

One-time activation fee

Trading

1%

Fee on bitcoin buys/sells within the platform

$300/year

Account administration fee

Open an Account

Annual contribution limits in 2026: $4,400 for an individual, $8,750 for a family

BTC Discount

10%

Discount on fees if you pay in bitcoin

Checkout powered by Zaprite

Account Closure

$250

Account closure fee

Your Security is Our Priority.

By combining regulated trust companies with military-grade, multi-signature bitcoin custody, we ensure that your path to health sovereignty is as secure as it is innovative.

Sovereign Security. Institutional Grade.

Your health and wealth deserve the highest level of protection. SOUND HSA utilizes established custodians to combine the tax advantages of the HSA with the security of the Bitcoin network.

1

SOUND HSA

The User Interface

We provide the secure gateway to your sovereign health journey. Our platform facilitates a seamless, world-class user experience, allowing you to manage your health savings, upload receipts, and oversee your bitcoin holdings through a single, intuitive dashboard accessible via the web and our mobile app. We utilize two-factor authentication for you to access your account at home or on the go.

2

Horizon Trust Company

The HSA Administrator

Horizon Trust serves as our IRS-designated trustee and Qualified Custodian. As a regulated trust company based in New Mexico, they act as the passive custodian of your self-directed Health Savings Account—holding your U.S. Dollars and ensuring your account maintains its “triple tax-advantaged” status with the highest level of regulatory compliance.

3

Digital Trust

The Bitcoin Custodian

To secure your digital assets, we partner with the same infrastructure trusted by the world's leading Bitcoin financial products.

Regulated Oversight: Digital Trust is a Nevada-based trust company providing institutional-grade buy/sell execution and custody solution
Cold Storage: All of your Bitcoin assets are held in offline “cold” storage, shielding them from online threats
Military-Grade Multi-Sig: Powered by BitGo, our security protocol utilizes multi-signature, multi-key technology, ensuring there is no single point of failure
Proven Track Record: Our partners power the long-standing Bitcoin IRA product, bringing years of experience in securing life-changing retirement and health savings

Features and Benefits

Easily Contribute to Your HSA

Contribute via secure ACH.

Save Your Receipts

Upload your eligible health and medical bills into our portal to track for future disbursement from your self-directed HSA.

Save bitcoin in your Health Savings Account with SOUND HSA.