✅ Yes! The ATO permits SMSFs to invest in cryptocurrencies like Bitcoin and Ethereum, provided:
- Your fund’s trust deed allows it.
- Investments comply with superannuation laws (e.g., the sole purpose test for retirement benefits).

💰 Key advantages:
- 15% tax on contributions (vs. marginal rates up to 47% outside super).
- 10% CGT discount after 12 months (vs. up to 45% personally).
- 0% tax on gains in pension phase (if structured correctly).

🔒 Best practices:
- Use an SMSF-compliant cold wallet (e.g., Ledger, Trezor) or a simple centralized or decentralized wallet.
- Maintain separate wallets for personal and SMSF holdings.
- Conduct annual audits and detailed record-keeping for ATO compliance.

⚠️ Critical considerations:
- Regulation: ATO rules may evolve; professional advice ensures compliance.
- Security: Use institutional-grade custody solutions to prevent hacks/losses.

🖼️ Yes, but cautiously. The ATO permits alternative crypto assets if they meet the sole purpose test (i.e., generating retirement income, not personal use). Always document the investment rationale.

🏦 Not necessarily, but expertise helps. Many traditional SMSF administrators restrict crypto. Look for:
- Crypto-friendly auditors.
- Integrated tracking tools for tax reporting.
- Advisers experienced in crypto + super laws.

💼 Wallet structure:
- Main Wallet: For deposits, withdrawals, and transfers.
- Profit Wallet: Automatically receives investment earnings.
- Funds can be moved between wallets as needed.

📥 Yes! Choose manual assets transfer if automatic gateways aren’t preferred. Contact support for deposit instructions and processing times.

💳 Simple steps:
- Go to Withdrawal in your Main Wallet.
- Enter the amount and destination details.
- Allow 1–15 minutes for processing (varies by method).

📈 Rank advancement:
- Achieve higher tiers by increasing investment amounts and earning referral bonuses.
- Maintaining activity (e.g., regular deposits and withdrawals).
- Check your dashboard for tier requirements.

🤝 Earn rewards at multiple tiers:
- Level 1: Earn X% on direct referrals’ investments.
- Level 2: Earn Y% on their referrals (up to 3 levels).
Bonuses are paid to your Profit Wallet instantly.