i forget the exact case, but when i was doing my initial research, there was a SCOTUS case a few years back which ruled that the IRA institutional holding 1 key met the “custodial requirements” for all laws pertaining to IRA custodians.

unchained files all the paperwork, they are the legal “custodian” of the ira, if you moved the coins, they would legally be required to report it, and you would have subject to all early withdrawal penalties