iTrustCapital: Review

Key Takeaways

• iTrustCapital offers both Crypto IRAs and Premium Custody Accounts, which means you can choose tax advantages or secure non-retirement investing.

• The platform uses a flat 1% crypto transaction fee, along with fixed spreads on gold and silver.

• Assets are secured through Coinbase Custody and Fireblocks, and a closed-loop system is used to reduce external transfer risks.

• iTrustCapital is available only to U.S. residents, and account minimums begin at $1,000 for participation.

Introduction

Crypto investing in 2025 is not only about picking coins and hoping for a rally. You also need to decide where your assets live, how you move them, and how you handle taxes over time. iTrustCapital addresses those decisions with two parallel tracks, a Premium Custody Account (PCA) that focuses on secure non-retirement crypto investing, and a Crypto IRA that focuses on tax-advantaged investing. Both tracks are designed to give you straightforward exposure to cryptocurrency and precious metals while keeping security at the center. This in-depth 2025 review explains what iTrustCapital provides, how the new account types work, what the fees look like, how the security framework is set up, where the platform shines, where it falls short, and what type of investor is likely to benefit.

What is iTrustCapital?

iTrustCapital is a fintech software platform built for alternative assets. Clients get 24/7 access to cryptocurrencies and precious metals through self-directed, tax-advantaged Crypto IRAs and through Non-IRA Premium Custody Accounts. The company relies on a highly secure closed-loop system together with third-party U.S. banks and custodians, which is intended to increase asset protection and provide flexibility for retail clients and institutional participants.

Within a single interface, you can invest in dozens of cryptocurrencies and in physical precious metals. The catalog includes Bitcoin (BTC), Ethereum (ETH), Solana (SOL), XRP (XRP), gold, and silver. You can hold these inside a Premium Custody Account for non-retirement purposes or inside a Crypto IRA for tax-advantaged purposes, depending on your goals.

In short, this is an online investing platform for owning digital assets and metals. You can operate through a retirement account or a regular taxable account, with a strong emphasis on security controls and an interface that aims to stay simple.

There are no monthly or annual account fees. You pay a 1% fee per crypto transaction, you pay $75 over spot per ounce of gold, and you pay $3.25 over spot per ounce of silver. Crypto investors have 24/7 access to over 80 supported cryptocurrencies.

The company launched in 2018 with a focus on crypto IRAs, then broadened the offering to include non-retirement crypto investing through the Premium Custody Account. The details on that expansion appear in the next section.

A Brief History of iTrustCapital

iTrustCapital was founded in 2018 in Southern California and quickly grew within the crypto IRA category. The initial goal was to make it simpler to invest in cryptocurrencies and precious metals through self-directed IRAs, while handling the complexities that normally deter new adopters.

The product lineup has expanded over time, and the business has reported steady growth.

In 2022, iTrustCapital raised a $125 million Series A. That round followed a strong year, and the company reported a valuation that surpassed $1.3 billion.

Recognition arrived in several waves. In 2021, the company earned “Innovator of the Year” and “Best Crypto Investment Platform” at the IMA Impact21 Awards. In 2024, it won the Crypto Award at the U.S. FinTech Awards and ranked 162nd on Deloitte’s Technology Fast 500 after reporting 725% revenue growth.

The platform’s web experience also drew attention, and in 2025 iTrustCapital received a Stevie Award for Customer Experience Excellence, which highlighted its client service performance. By late 2024 and early 2025, the company reported that it had surpassed $14 billion in total transaction volume, a 27% increase during that period. That figure points to continuing demand for crypto retirement investing and to an underlying infrastructure that can scale while maintaining safeguards.

Mid-2025 brought the launch of Premium Custody Accounts, a response to users who wanted to keep iTrustCapital’s security and custody model while investing outside of a retirement framework. With PCA available, the platform moved beyond a strict retirement niche and opened up a fuller set of use cases.

Where is iTrustCapital available?

At present the service is available only to U.S. residents. To support the security posture, the company uses IP address blocking to restrict attempts to access accounts from outside the United States.

How to Sign Up for iTrustCapital in 2025

Opening an account follows a familiar playbook. The steps below summarize the process.

1. Visit the iTrustCapital website or app

Go to the official iTrustCapital site and select “Open Account,” or install the iOS or Android app and begin there. Create an account with your email and a strong password.

2. Choose your account type

After you log in, select a Crypto IRA or a Premium Custody Account. The platform’s learn center explains Traditional, Roth, and SEP IRAs, and compares their benefits for different goals.

3. Complete the application

Enter the required personal details for identity verification, since iTrustCapital follows KYC and AML rules. If you open an IRA, you will also provide information to set up a custodial account with the qualified custodian bank. The on-screen guide walks through each field in sequence.

4. Identity verification

The team reviews applications and verifies identity. Typical approval windows run 1–3 business days. You may be asked to upload a photo ID and a proof of address, which mirrors what banks require for account openings.

5. Fund your account

Once approved, you can fund the account. For a Crypto IRA, you can transfer funds from an existing IRA, roll over an old 401(k) or other old employer sponsored retirement plan such as a 403(b), 457(b), or TSP, or make a direct cash contribution by ACH or wire up to your annual IRA limit.

For a Premium Custody Account, you can link a U.S. bank and deposit USD or deposit select cryptocurrencies in kind. iTrustCapital requires a minimum of $1,000 to open either account type and a $500 minimum for any additional contributions. For PCA crypto deposits, the minimum is $5,000 in eligible cryptocurrency, which includes Bitcoin (BTC), XRP (XRP), Solana (SOL), Ethereum (ETH), and additional supported assets.

6. Start investing

After funding, you can buy and sell within the interface. Select cryptocurrencies or precious metals from the catalog, review real-time pricing, and place orders at any time, since the platform is available 24/7.

What can you buy and sell on iTrustCapital?

The marketplace spans two categories, cryptocurrencies and precious metals. Within that selection you can trade over 80 popular cryptocurrencies, including BTC, ETH, and XRP, and you can add exposure to precious metals such as gold and silver.

Welcome offer and bonuses

iTrustCapital maintains a referral program that allows registered clients to earn a $100 referral reward. If you refer a new customer who opens an IRA account, completes compliance requirements, and funds the account, you may be eligible for a $100 funding bonus.

The referral reward is paid within 45 days of the referred client funding the account. Your unique referral link is available inside the app for easy sharing.

The reward can be canceled if you do not claim it or fail to provide required information within 30 days of qualifying. iTrustCapital reserves the right to modify the program or to end it, so terms can change.

Promotions can evolve over time. The figures above reflect recent offers, and the safest approach is to read the latest terms on iTrustCapital’s official site or to contact support for current details.

Key features and tools

iTrustCapital organizes the experience around two paths, the Premium Custody Account for secure non-IRA investing, and tax-advantaged retirement accounts that include Traditional, Roth, and SEP IRAs.

Both paths live under one user profile. Here are the defining features of the 2025 product.

Premium Custody Account (PCA)

The PCA is built for people who want to buy, sell, and store crypto 24/7 outside of a retirement account while avoiding the complications of self-custody and the risks that have surfaced on some centralized exchanges.

The PCA operates within a closed-loop system. External wallet connections are not permitted, which reduces the chance that assets will be moved out to an unauthorized destination if an account is compromised.

This structure serves investors who want secure crypto exposure without the rules that accompany retirement plans.

Two points stand out. There are no annual maximum contribution limits, since this is not an IRA, and you can withdraw at any time without the age restrictions or penalties that apply to retirement accounts.

There is an important tradeoff. PCA transactions create taxable events, so gains and losses are reported like a standard taxable brokerage account. The PCA can fit if you want to deploy fresh capital into crypto or if you want to move existing holdings into a more controlled environment that is an alternative to an exchange or to full self-custody.

The closed-loop design is key here. It materially reduces the chance that assets can be transferred to unauthorized wallets or bank accounts.

Functionally, the PCA gives you the same 24/7 access to 80 plus cryptocurrencies and to precious metals that the IRA provides. You do not get the tax benefits that IRAs offer.

The PCA appears as a separate account on your dashboard. You can hold both a Crypto IRA and a PCA to keep long-term retirement strategies separate from medium-term or opportunistic positions.

Crypto IRAs

The Crypto IRA lets you buy and sell cryptocurrencies and precious metals inside a tax-advantaged account. You can open a Traditional IRA with tax-deductible contributions and tax-deferred growth, a Roth IRA with tax-free withdrawals in retirement, or a SEP IRA designed for self-employed individuals.

The primary advantage is the tax treatment. Gains inside these accounts can be tax-deferred or tax-free, depending on your IRA type. If Bitcoin or gold appreciates, you do not trigger capital gains tax when you buy or sell within the account.

Funding a Crypto IRA is straightforward. You can contribute cash, transfer an existing IRA, or roll over an old 401(k) or other old employer-sponsored retirement plan. You can also make in-kind transfers of supported cryptocurrencies from another Crypto IRA provider, which means you do not need to liquidate to USD first.

The platform handles required IRS reporting. Form 5498 is issued for contributions, and Form 1099-R is issued for distributions, which helps you maintain compliance with IRA rules.

PCA Closed-loop system

The closed-loop approach defines how PCA money moves. Accounts can be funded with crypto or with USD, and withdrawals are permitted only in USD back to a linked bank account. If a login is compromised, the lack of crypto withdrawals helps reduce the risk that assets could be drained.

• USD and crypto deposits are supported. PCA accounts accept USD from the owner’s U.S. bank, and they accept in-kind transfers of eligible crypto assets.

• Withdrawals are USD only, and they are sent to the owner’s bank account.

• Crypto withdrawals are not permitted from PCA accounts. This restriction is intentional because it addresses a leading cause of asset loss and online fraud.

Low fees

A simple fee schedule is one of the selling points. There are no monthly maintenance charges and no subscription fees, which means you can keep an account open without ongoing platform costs.

Crypto trades carry a 1% fee on buys and sells. For example, a $5,000 BTC purchase results in a $50 fee, since 1% of $5,000 equals $50, and that fee is reflected in the transaction price.

The 1% transaction fee is competitive in the crypto IRA market, where providers sometimes layer higher percentages or add spreads. Precious metals use clear spreads over spot.

Gold is priced at $75 over spot per ounce, and silver is priced at $3.25 over spot per ounce.

There are no extra storage fees for crypto or metals, since institutional custody is included. Transfers, rollovers, and IRA contributions do not carry platform charges.

Only a few specific actions introduce additional costs. Cash distributions by wire or ACH typically incur a $5 to $15 fee, and there is a one-time $75 fee for an IRA conversion, such as moving from a Traditional IRA to a Roth IRA.

Staking and new features

The company has been rolling out features in phases, including staking for certain proof-of-stake assets. Staking lets you earn rewards on eligible holdings while you keep the assets inside your account.

During 2025, staking for Ethereum (ETH) and Solana (SOL) was enabled for both IRA and PCA accounts. The platform manages the complexity on the back end, so rewards can accrue without the user handling validators or technical setup. Additional assets may become eligible for staking as the roadmap evolves, along with other feature upgrades.

Educational resources

The learn center provides explainers, glossaries, and guides that help clients understand crypto mechanics and IRA rules. If you open an IRA, the content breaks down contribution limits, the differences between Traditional and Roth structures, SEP mechanics for self-employed savers, and links to IRS references that can guide decisions.

Deposits and withdrawals

Funding flows differ based on whether you choose a PCA or a Crypto IRA. Both require $1,000 to open and $500 for additional contributions, but the movement of assets follows different policies.

Premium Custody Account (PCA)

You can deposit USD through a linked U.S. bank account by ACH or by wire transfer. You can also deposit select cryptocurrencies in kind, including BTC and ETH, subject to approval and minimum thresholds. Withdrawals from a PCA are processed in USD only and are sent to your U.S. bank account.

The closed-loop structure avoids external wallet transfers and reduces high-risk vectors that have caused losses elsewhere.

• Minimum deposit to open is $1,000.

• Minimum for additional deposits is $500.

• Withdrawal method is USD only to a U.S. bank account.

• Withdrawal timelines are typically 3–5 business days, and up to 10 business days during high volume periods.

Crypto IRAs

There are three primary funding methods.

• Transfer funds from another IRA.Make in-kind transfers from another Crypto IRA provider.

• Roll over an old employer-sponsored retirement plan, such as a 401(k), 403(b), TSP, or 457.

• You can also make a cash contribution by ACH or wire, within IRS annual limits.

Distributions can be taken in USD to your bank or in kind to your own crypto wallet. Because taxes and penalties depend on the IRA type and your personal situation, it is wise to consult a qualified tax advisor before you take a distribution.

• Minimum deposit to open is $1,000.

• Minimum for additional contributions is $500.

• Withdrawal options include USD or an in-kind crypto distribution.

• Fees include $5 for ACH withdrawals and $15 for wire withdrawals.

How secure is iTrustCapital?

iTrustCapital is a software platform rather than an exchange, custodian, trust company, broker or dealer, or investment advisor, and it is not directly regulated in those capacities.

Instead, the company partners with Qualified Custodians, regulated banks and trust institutions, and institutional storage providers to protect client funds.

For IRA accounts, the qualified custodian is Fortis Bank, a U.S. trust company that holds retirement assets for the benefit of clients in an FBO structure. For PCA accounts, USD is secured with third-party U.S. based custodians, and crypto assets are stored in a fully secure, audited, and regularly stress-tested institutional environment that uses Cold Storage, Multi-Party Computation, and Hardware Security Modules.

Across account types, assets are maintained 1:1 off-balance sheet. Client holdings are not commingled with corporate funds and are not used for lending.

For digital asset storage, iTrustCapital relies on established names, including Coinbase Custody and Fireblocks, under the oversight of institutional storage providers.

The closed-loop system discussed above is part of this framework. It constrains how money moves into and out of accounts, which lowers the risk that a compromised login could lead to an irreversible crypto withdrawal.

Additional safeguards

User accounts require two-factor authentication, and sensitive actions such as withdrawals and account changes prompt extra verification. Support calls are time-limited to reduce exposure to social engineering.

Asset security benefits from commercial crime insurance policies that cover the institutional storage providers, Coinbase Custody and Fireblocks. The providers do not disclose policy limits, and no insurance policy in the crypto industry covers all assets on any one platform, so users should treat insurance as a backstop rather than a guarantee.

No lending or rehypothecation is permitted. iTrustCapital and its custodians do not lend client assets. Your holdings remain in storage until you decide to buy, sell, or withdraw.If iTrustCapital or a custodian were to cease operations, client assets would remain segregated and could be transferred to another qualified custodian, which preserves continuity of ownership even in a worst-case scenario.

Pros and cons

Pros

• No monthly or setup fees. You do not pay ongoing account maintenance charges, which keeps long-term costs predictable.

• A flat 1% crypto transaction fee. Every buy or sell carries a 1% fee, which is easier to track than complex tiered schedules.

• Tax-advantaged IRAs are available. You can invest in crypto and precious metals through Traditional, Roth, or SEP IRAs, which can reduce taxable gains or defer taxes.

• Custody and Fireblocks. Assets are stored with established institutional providers that use cold storage, MPC, and HSM technology.

• 24/7 access to 80 plus cryptocurrencies and to precious metals. You can transact at any hour and diversify across a broad menu of assets.

Cons

• The platform is U.S. only. Access for international investors is not available. DeFi access is limited.

• You can buy and sell supported assets, but you do not connect directly to DeFi apps, staking pools, or yield farming.

• The minimum to open is $1,000. That barrier can discourage smaller starting balances.

Customer Support

iTrustCapital operates a U.S. based client experience team that is available Monday through Friday from 7:00 a.m. to 5:00 p.m. PST.

While many crypto platforms lean on bots or on automated responses and offshore call centers, iTrustCapital emphasizes live support by trained representatives.

The company positions this as a differentiator and suggests that clients can expect direct assistance from human support staff rather than automated systems.

Invest responsibly

All investing involves risk, and losses are possible. You should never risk funds that you cannot afford to lose, and you should build positions in line with your financial plan.

This review of iTrustCapital is not a formal endorsement. You should evaluate personal goals and obligations before you make any investment decision, and you should consult qualified professionals when you need tax or legal advice.

Conclusion

The overall impression is that iTrustCapital offers a direct path into digital assets for people who value clarity and guardrails. It is accessible to investors who prefer a familiar structure that resembles traditional finance, and it provides entry points through retirement accounts or through custody services that do not require self-custody.

The platform fills a distinct niche with institutional-grade security and U.S. based client support. With Premium Custody Accounts now live, iTrustCapital appears ready to serve beyond the retirement use case and to function as a broader gateway for crypto and precious metals ownership.

Frequently Asked Question

What is iTrustCapital?

iTrustCapital is a U.S. based fintech platform where you can buy, sell, and store cryptocurrencies and precious metals. You can use a tax-advantaged Crypto IRA or a non-retirement Premium Custody Account. The service focuses on security, transparency, and simplicity, and it gives you 24/7 access to over 80 digital assets without any monthly fees.

What makes iTrustCapital’s Premium Custody Account different from a Crypto IRA?

The PCA is structured for secure non-retirement crypto investing, which means you can withdraw funds at any time without age rules or IRA penalties. Withdrawals from a PCA are always taxable and are only available in USD. It fits investors who want institutional-level custody outside a retirement account while keeping a closed-loop security model.

How do I withdraw money from iTrustCapital?

To withdraw money, you submit a withdrawal request by completing the provided form. After processing and approval, funds are transferred to your designated bank account. Keep in mind that a withdrawal can be a taxable event and can be subject to penalties in certain cases, especially for IRA distributions, so it is important to understand the rules before you act.

What fees does iTrustCapital charge?

There are no monthly account fees, no storage costs, and no setup charges. The platform applies a flat 1% fee on all crypto trades, along with spreads of $75 per ounce for gold and $3.25 per ounce for silver. Extra fees apply only to specific actions such as withdrawals or IRA conversions, including $5 to $15 for cash distributions by wire or ACH and a one-time $75 fee for an IRA conversion.

Can iTrustCapital be trusted?

iTrustCapital has built credibility with users and within the industry. Its custodians are regulated, and the platform has earned positive feedback for the client experience and for a user interface that stays approachable. Those factors, together with the reliance on Coinbase Custody and Fireblocks and with the closed-loop structure, make it a reputable option for holding cryptocurrencies and precious metals inside IRAs or inside the PCA.