What Is iTrustCapital?
iTrustCapital is a leading digital asset IRA platform that allows investors to buy, sell, and hold cryptocurrencies and physical gold in tax-advantaged retirement accounts. Founded in 2018, the platform combines traditional IRA benefits with crypto accessibility, making it a popular choice for retirement-focused investors.
Key Features
✔ Crypto & Gold IRAs – Invest in Bitcoin, Ethereum, Solana, and more plus physical gold/silver
✔ Low Fees – 1% trading fee (crypto) and $50/month (all-inclusive custody + trading)
✔ 24/7 Trading – Unlike traditional IRAs, trade crypto anytime
✔ Tax Advantages – Enjoy tax-deferred or tax-free growth (Roth IRA)
✔ Secure Storage – Assets held with regulated custodians (Kingdom Trust & Fireblocks)
How iTrustCapital Works
1. Open an Account
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Choose between a Traditional IRA, Roth IRA, or SEP IRA
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No minimum deposit (but $1,000 recommended to start)
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Rollovers from existing 401(k)s or IRAs accepted
2. Fund Your IRA
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Bank transfer (1-3 business days)
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Rollover from another retirement account (tax-free transfer)
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Contribute annually (2024 limits: 7,000or8,000 if 50+)
3. Invest in Crypto or Gold
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Trade 24/7 with no lock-up periods
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Physical gold/silver stored in secure vaults
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No hidden fees – transparent pricing
4. Manage & Withdraw
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Sell anytime (subject to market conditions)
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Take distributions penalty-free after 59½ (Roth IRA tax-free)
Supported Cryptocurrencies
iTrustCapital offers 28+ cryptos, including:
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Bitcoin (BTC), Ethereum (ETH)
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Solana (SOL), Cardano (ADA)
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Polygon (MATIC), Chainlink (LINK)
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And newer altcoins like Avalanche (AVAX)
(Full list available on their platform)
Fees & Costs
| Fee Type | Cost |
|---|---|
| Crypto Trading Fee | 1% per trade |
| Gold/Silver Trading Fee | $50/oz over spot |
| Monthly Custody Fee | 29.95(waivedforbalances>30K) |
| IRA Setup Fee | $0 |
| Wire Transfer Fee | $25 (free ACH) |
👉 Competitive edge: Cheaper than competitors like Bitcoin IRA (2-5% trading fees).
Security & Custody
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Cryptocurrencies: Stored with Fireblocks (institutional-grade security)
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Precious Metals: Vaulted with Brink’s & Delaware Depository (fully insured)
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Regulated Custodian: Kingdom Trust (SEC-compliant)
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No Self-Custody: Unlike cold wallets, but more secure for retirement funds
Pros & Cons
✅ Pros
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Lowest fees among crypto IRA providers
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Wide selection of cryptos + physical metals
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User-friendly platform (easy for beginners)
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Tax advantages of IRAs with crypto exposure
❌ Cons
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No direct Bitcoin ownership (held in custody)
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Limited altcoins compared to exchanges like Coinbase
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$1,000 recommended minimum (though no hard requirement)
Who Should Use iTrustCapital?
🔹 Retirement investors wanting crypto exposure
🔹 Bitcoin/Gold holders seeking tax benefits
🔹 Self-employed individuals (SEP IRA option)
🔹 Those rolling over old 401(k)s into crypto
Alternatives to Consider
| Platform | Fees | Best For |
|---|---|---|
| Bitcoin IRA | 2-5% trading | High-net-worth investors |
| Alto IRA | $10/month + trading fees | Alternative assets |
| Coinbase IRA | 1% + spread | Simple crypto IRA access |
Final Verdict: Is iTrustCapital Worth It?
Rating: ★★★★☆ (4.5/5)
iTrustCapital is the best crypto IRA platform for low-cost, tax-advantaged investing. While you sacrifice some control (no private keys), the security, low fees, and ease of use make it ideal for retirement-focused crypto investors.
Next Steps
➡ Open an account (takes ~5 minutes)
➡ Fund via transfer/rollover
➡ Start trading crypto & gold tax-free