iTrustCapital is one of our strongest overall choices for investors who want a simple, self-directed platform that brings cryptocurrency and precious metals into one retirement-focused experience.
Its combination of 100+ cryptocurrencies, physical gold and silver, 24/7 crypto access, straightforward pricing, and U.S.-based live client service makes it one of the most complete platforms in its category.
iTrustCapital also offers Premium Custody Accounts for everyday, non-retirement investing and Treasury Accounts for eligible businesses and entities.
iTrustCapital Overview
Category | iTrustCapital | |
|---|---|---|
Best for | Investors seeking a simple, self-directed platform for crypto and other alternative assets | |
Account Types | Traditional, Roth, and SEP IRAs; Premium Custody Accounts; Treasury Accounts |
Cryptocurrency access | 100+ cryptocurrencies, including Bitcoin, Ethereum, XRP, Solana, and more | |
|---|---|---|
Precious metals | Physical gold and silver | |
Stablecoins | Available for eligible assets, including ETH and SOL |
Crypto platform access | 24/7 across desktop and mobile | |
|---|---|---|
Crypto transaction fee | 1% on crypto buys and sells | |
Ongoing platform fees | No monthly or annual platform maintenance fees |
Who Is iTrustCapital?
iTrustCapital is a financial technology software platform that gives eligible clients access to digital assets and other investments through self-directed accounts. It is best known for its Crypto IRAs, which allow investors to buy and sell 100+ cryptocurrency inside Traditional, Roth, and SEP IRAs.
For investors who do not want to use a retirement account, iTrustCapital also offers a Premium Custody Account, or PCA. This is a taxable, non-IRA account designed for individuals who want to buy, sell, and hold supported assets within iTrustCapital's closed-loop system. Treasury Accounts extend a related experience to eligible businesses, trusts, nonprofits, and other entities.
iTrustCapital Account Options
Crypto IRAs
iTrustCapital supports Traditional, Roth, and SEP IRAs. The appropriate account type depends on an investor's eligibility, tax situation, and retirement goals.
A Traditional IRA may provide tax-deferred growth, with taxes generally due when funds are distributed. A Roth IRA is funded with after-tax dollars, and qualified withdrawals may be tax-free, subject to IRS rules. SEP IRAs are designed for eligible self-employed individuals and small-business owners.
Premium Custody Accounts
Premium Custody Account is a taxable, non-retirement account. It provides access to supported assets without IRA contribution limits or retirement distribution rules.
Treasury Accounts
Treasury Accounts are designed for eligible businesses, trusts, nonprofits, and other entities seeking access to supported digital assets. Eligibility, documentation requirements, asset availability, and account features can differ from individual accounts and should be confirmed before opening an account.
Assets and Features
100+ Cryptocurrencies
iTrustCapital offers 100+ cryptocurrencies, including Bitcoin, Ethereum, XRP, Solana, and other established and emerging digital assets.
Crypto buys and sells are available 24/7 through the desktop and mobile platforms.
Physical Gold and Silver
iTrustCapital also gives clients access to physical gold and silver. Precious-metal pricing includes a clearly displayed amount over the current spot price per ounce.
Staking for Eligible Assets
Clients can stake ETH and SOL through their iTrustCapital IRA or Premium Custody Account. Staking rewards vary based on network conditions, validator performance, and other factors.
Staking is not guaranteed to produce rewards and introduces risks beyond simply holding an asset, including price volatility, slashing, changing reward rates, and limited liquidity during lockup periods.
USDC and RLUSD Rewards
USDC and RLUSD are available. Rewards may be offered where available, but rates and eligibility can change and are not guaranteed.
iTrustCapital Fees
iTrustCapital's fee model is one of its clearest strengths. The platform charges a 1% transaction fee when clients buy or sell cryptocurrency. It does not charge monthly or annual platform maintenance fees.
Fee category | Current positioning | |
|---|---|---|
Crypto buys and sells | 1% transaction fees | |
Monthly platform fee | $0 |
Annual platform fee | $0 | |
|---|---|---|
Startup fee | $0 | |
Storage fee | $0 platform storage fee |
Precious metals | Clearly displayed amount over spot per ounce | |
|---|---|---|
Staking | Displayed reward rate is net of applicable iTrustCapital and third-party fees | |
The simple fee structure makes it easier to understand the core cost of buying and selling crypto. Investors should still review the complete fee schedule because wire charges, conversion charges, metal pricing, spreads, third-party expenses, and other transaction-specific costs may apply.
Customer Service and Reputation
iTrustCapital offers a U.S.-based live client service team that can assist with account setup, funding, transfers, and platform questions. This is valuable in a category where retirement transfers and tax-sensitive account rules can make an entirely self-service experience difficult.
The company also reports a large base of highly rated client feedback across Google and Trustpilot.
Final Verdict: Is iTrustCapital Worth It in 2026?
iTrustCapital is the strongest overall choice for investors who want a simple way to access crypto and a broader range of assets through self-directed retirement and non-retirement accounts.
Clients can access 100+ cryptocurrencies, physical gold and silver, staking and stablecoin rewards where available. The platform also combines 24/7 crypto access with a straightforward 1% crypto transaction fee, no monthly or annual platform maintenance fees, a closed-loop custody structure, and U.S.-based live client service.
Head over to itrustcapital.com today!
Frequently Asked Questions
Is iTrustCapital legit?
Yes. iTrustCapital is a legitimate fintech platform that has operated since 2018.
How many cryptocurrencies does iTrustCapital offer?
iTrustCapital offers 100+ cryptocurrencies, including Bitcoin, Ethereum, XRP, Solana, and more.
Can I open a Roth Crypto IRA with iTrustCapital?
Yes. iTrustCapital offers Roth IRAs with access to supported assets. Qualified Roth IRA withdrawals may be tax-free, subject to IRS rules.
Is iTrustCapital available in all 50 states?
iTrustCapital states that its platform is available to eligible clients across all 50 U.S. states.
iTrustCapital is a fintech software platform for alternative and traditional assets. iTrustCapital is not an exchange, funding portal, custodian, trust company, licensed broker, dealer, broker-dealer, investment advisor, investment manager or adviser. iTrustCapital is not affiliated with and does not endorse any particular digital asset, cryptocurrency, precious metal, stock or ETF. It does not provide legal, investment or tax advice.
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