iTrustCapital Review 2026: Pros, Cons, & Features

iTrustCapital Overview

What Is iTrustCapital?

iTrustCapital is a user-friendly fintech software platform for alternative assets that provides access to invest in cryptocurrencies and precious metals (like $BTC, $ETH, $XRP, $SOL, gold and silver) through a tax-advantaged crypto IRA or non-IRA Premium Custody Account (PCA).

It takes the headache out of adding things like crypto and gold to your portfolio.

Instead of dealing with complicated paperwork or risky exchanges, you can manage everything in one place using its secure closed-loop ecosystem with 24/7 access to over 90 different crypto assets.

The company was founded in 2018 and is designed for everyday folks and long-term investors who want more options for growing their money while still getting tax benefits.

iTrustCapital works with well-respected names like Coinbase Custody and Fireblocks to keep your assets safe.

For their PCA, you can start by depositing USD from a bank account or depositing eligible crypto in-kind but only USD withdrawals may be made to your linked bank account.

It’s got competitive fees, US-based support, and the platform’s built to be beginner-friendly.

One thing to note – it’s only available to US residents for now, so it’s not an option for international users.

iTrustCapital Key Features

• Crypto IRA: A tax-friendly way to buy and sell crypto through Traditional, Roth, or SEP IRAs*. You can rollover your old 401(k) or similar plan, transfer from an existing IRA, or just add cash to get started.
• Premium Custody Account (PCA): A crypto account that lets you buy and sell crypto assets with extra security and institutional-grade custody – all inside a secure closed-loop system. These aren’t retirement accounts, so they are taxable.
• PCA Closed-Loop System: With iTrustCapital’s closed-loop system, accounts are funded with either crypto or USD, but can only be withdrawn as USD to a bank account. Even if your login is compromised, the closed-loop system helps mitigate the risk of funds being drained from a compromised account.
• Crypto and Precious Metals: Buy and sell over 90 crypto assets plus gold and silver 24/7.
• Staking: Earn rewards by staking your crypto. iTrustCapital handles the heavy lifting. You can stake ETH and SOL to earn rewards.
• Security & Custody: iTrustCapital uses Coinbase Custody and Fireblocks. These providers use Cold Storage, Multi-Party Computation, and Hardware Security Modules.
• Cross-Platform: Track everything from your desktop, or on the go with the iTrustCapital iOS or Android app.

*Some taxes may apply.

iTrustCapital Fees

iTrustCapital keeps things simple when it comes to fees.

You’ll pay a 1% fee on crypto transactions, and for precious metals, it’s $125 over spot per ounce for gold and for silver, it's $3.95 for over spot per ounce for buys and $1.95 over spot per ounce for sells.

There are no setup fees, monthly charges, or storage fees, which makes it a pretty affordable option– especially for people who don’t buy and sell often.

The only catch is you need a minimum of $1,000 to open an account and $500 for any extra contributions or deposits.

Our Expert Review of iTrustCapital

iTrustCapital is a great pick if you want a secure, low-cost way to add crypto and precious metals to your portfolio.

Putting crypto in an IRA is a smart move – you get tax perks, can diversify beyond stocks, and stay focused on the long term.

IRA protections and easier tax reporting also make it an easier, safer way to grow your crypto for the future.

If you’re looking to buy, sell, and store crypto in a non-retirement account, iTrustCapital’s Premium Custody Account (PCA) is a great option.

Unlike traditional crypto exchanges – where assets can be moved to external wallets by users or exploited through unauthorized access – the PCA runs in a closed-loop system.

With no external wallet connections, it reduces the risk of funds being drained from a compromised account.

Setting up & Funding an Account

Getting started with iTrustCapital is straightforward:is straightforward:

Create an account, verify your info, set up security, choose your account type, and fund it.

For their IRA, you can add money by transferring from another IRA, rolling over an old employer-sponsored retirement plan, or making a cash contribution. iTrust walks you through each option.

For their PCA, you can deposit USD from a bank account, or deposit eligible crypto in-kind.

Account Types & IRA Transfers

When setting up your account, you’ll choose between a specific type of Crypto IRA (Traditional, Roth, SEP) or a Premium Custody Account (PCA).

The Crypto IRAs are a great idea, but if you’re leaning towards a Premium Custody Account (PCA), it might be worth weighing it against regular exchanges for fees and security.

To transfer an IRA to iTrustCapital, you’ll select the IRA-to-IRA transfer option and fill in your necessary details and signature.

Once they process your transfer application, iTrustCapital will email you with simple instructions to follow up with your current provider, to get the funds moved over.

Yes, you’ll need to sort that out manually with your current IRA provider.

Buying and selling Crypto in your IRA or PCA

Buying and selling within your iTrustCapital account is simple.account is simple.

Once you fund your account, you can buy or sell assets with just a few clicks, and transactions settle in minutes.assets with just a few clicks, and transactions settle in minutes.

The platform feels like the beginner-friendly parts of mainstream exchanges like Coinbase or Gemini.

It uses a simple interface with line charts for asset prices. It also lets you make market transactions, conditional transactions, and a handy option of recurring purchases – perfect for hands-off, long-term investing.

You can buy, sell, and track your portfolio anytime, whether you’re on the web or mobile app (iOS & Android). It’s simple and works the same on each platform.

The $1,000 minimum investment might feel a bit steep for beginners. But remember this is designed as a long-term savings account – not short-term.

Available Assets

With iTrustCapital, you can buy and sell over 90 crypto coins and tokens, plus physical gold and silver– more than most competitors offer.

The lineup includes the big names like Bitcoin, Ethereum, XRP, and other major Layer-1 and DeFi tokens… but you’ll also find some unexpected meme coins and smaller projects.

It looks like they keep their asset list impressively up to date.This is quite rare for a platform focused on retirement investing.

For the latest list of available assets on iTrustCapital, visit this page.

When it comes to precious metals, their gold and silver comes from Kitco and is tracked on and is tracked on Tradewind’s own blockchain.

They’re stored as large bullion bars at the Royal Canadian Mint and backed by the Canadian government.

While it’s in your account, you own your share 1:1, with no storage fees.

When you’re ready, you can sell it straight from your dashboard, or move it to a Kitco account to have it shipped to you.

Crypto Staking

With iTrustCapital, you can stake your $SOL right from your dashboard and earn rewards for helping secure the Solana network.

Rewards (minus a 22% fee) are paid in $ETH or $SOL.

Customer Service

If you learn best by watching videos, iTrustCapital’s support will make you smile.

Their help section is full of super well-made video tutorials and in-depth FAQs that break down every part of the platform step by step.

It’s not just surface-level stuff either – the videos are clear, detailed, and actually make it easy to feel confident using every feature.

When I had a specific question about the platform, I tried their chat bot first, but it’s AI-only and didn’t have the answer I needed.

So, I submitted a support ticket.

Honestly, I was expecting to wait a while, but I got a reply in just 12 minutes:

Although it felt a bit canned, it answered my question well enough. That kind of quick response was a nice surprise, and made the whole experience feel reliable.

If all else fails, you can also call their customer support line on (562) 600-8399 if you're a new client. If you're an existing client, you can find a specialized number in the "Get Support" section of your dashboard.

Who’s iTrustCapital For?

• Retirement-Focused Investors: For those with an existing 401(k) or IRA that want to diversify into crypto or precious metals, iTrustCapital is great. It makes it easy to roll over your account and take advantage of tax perks, while investing beyond the usual stocks and bonds.
• Long-Term Crypto Holders: Those who are in crypto for the long run and don’t want to stress about exchange hacks or complicated setups. It’s built for buying, holding, and letting your assets grow in peace, with competitive fees and rock-solid custody.
• Diversified Portfolio Builders: If you want to add some crypto, gold, or silver to your portfolio, iTrustCapital keeps it simple. You can manage those extras in one place, without bouncing between different platforms or accounts.

Who’s It Not For?

• International Investors: If you’re outside the US, you’re out of luck here. iTrustCapital is for American investors only, so anyone overseas will need to find a different platform.
• DeFi Enthusiasts: For those who love experimenting with staking across chains, yield farming, or diving into advanced on-chain tools… this probably isn’t the place for you. iTrustCapital keeps things simple and focused on long-term investing.
• Short-Term Investors: If you’re all about quick investing and timing every little market move, the 1% fee will start to sting. It’s not the best for short term investing.

iTrustCapital Alternatives

iTrustCapital vs. Alto CryptoIRA

Alto CryptoIRA might have iTrustCapital beat on its asset selection, offering 250+ cryptocurrencies vs. iTrustCapital’s 90+.

But the downside for Alto is that this comes with a 1% transaction fee plus $10/month or $100/year in account fees. On the other hand, iTrustCapital charges a 1% transaction fee without a monthly fee.

Alto also doesn’t offer precious metals or non-IRA accounts, while iTrustCapital does.

iTrustCapital vs. Swan Bitcoin

Swan Bitcoin is all about one thing: Bitcoin.

It charges a 0.99% transaction fee plus a small 0.02% monthly IRA fee, while iTrustCapital skips monthly fees completely.skips monthly fees completely.

Swan’s focus and great educational resources are perfect for Bitcoin maxis. But it doesn’t offer iTrustCapital’s 90+ cryptos, gold, silver, or non-IRA accounts.

It’s a bigger jump to get started, with a $3,000 minimum – three-times iTrustCapital’s $1,000 minimum.

Is iTrustCapital Safe to Use?

We can’t guarantee the safety of any platform, but iTrustCapital has a lot going for it.

Its security measures, solid reputation, and proven track record all point in the right direction.

Here’s what you should know about why it looks safe right now:

iTrustCapital Awards & Milestones

iTrustCapital's platform has more than $16 billion in transaction volume and has built a community of over 250,000 account holders.

Over the years, iTrustCapital has become widely recognized for its innovation, client experience, and rapid growth. The company was named America’s #1 Crypto IRA Platform at the 2021 IMA Impact Awards and earned Best Crypto IRA Investment Platform USA from Wealth & Finance International at the 2022 Fintech Awards.

In 2024, iTrustCapital continued its momentum ranking #162 on Deloitte’s Technology Fast 500™, receiving the Crypto Award at the US Fintech Awards, and being honored with Best Cryptocurrency Website by the WebAwards and Achievement in Customer Experience by the Stevie Awards.

The recognition carried into 2025, with iTrustCapital once again winning the WebAward for Best Cryptocurrency Website and a Stevie Award for Achievement in Customer Experience. The company was also named among the 10 Most Innovative Companies of the Year by Business Honor, recognized as the Top Crypto IRA Retirement Platform by Financial Services Review, and celebrated with the *Impact Award for Digital Currency Company of the Year.

iTrustCapital Founding & Headquarters

iTrustCapital was founded in 2018 and has been running strong for seven years without any major hiccups – a good sign in the ever-changing world of crypto.

The company is based in Irvine, California, which means it operates in the US, adding an extra layer of accountability.

iTrustCapital Security and Audits

iTrustCapital keeps your crypto secured with institutional storage providers via Coinbase Custody and Fireblocks – both are well-respected names in the industry.

Crypto assets are stored within a fully secure, audited, and regularly stress-tested institutional environment using Cold Storage, MPC, and hardware security modules (HSMs).

Best of all, all assets are held 1:1, off-balance sheet, for the benefit of (FBO) each client.

Who has invested in iTrustCapital?

iTrustCapital has raised a total of $128 million across four funding rounds.across four funding rounds.

Their biggest boost came in January 2022, when they raised $125 million in a Series A round led by Left Lane Capital.

It appears that they’re not looking to raise more funding right now – probably because they’ve already hit unicorn status.

Final Thoughts On iTrustCapital

If you’re looking for a simple, no-nonsense way to add crypto or precious metals to your portfolio, iTrustCapital is hard to beat.

The 1% crypto transaction fee, zero monthly costs, and rock-solid security with names like Coinbase Custody and Fireblocks make it feel safe and built for the long haul.

Sure, it’s only for US investors, has a $1,000 minimum, and doesn’t get into flashy DeFi features – but that’s kind of the point.

iTrustCapital keeps it clean and easy, with clear pricing, top-notch security, and a platform that makes adding crypto to your existing IRA (or starting fresh) feel painless.

If you want a trustworthy, tax-friendly way to grow your crypto and metals without the stress, iTrustCapital is definitely worth checking out.

iTrustCapital Frequently Asked Questions