iTrustCapital Review – A Leading Crypto IRA Platform in 2026 What Is iTrustCapital?
iTrustCapital is a U.S.-based financial technology company that enables investors to buy, sell, and hold cryptocurrencies and precious metals inside tax-advantaged retirement accounts like Traditional IRAs, Roth IRAs, and SEP IRAs. Founded in 2018, the platform focuses on giving users more control over alternative investments while maintaining IRA compliance and security through institutional custody partners.
How iTrustCapital Works
iTrustCapital provides a self-directed investment platform where you can:
Trade over 90 cryptocurrencies (including Bitcoin and Ethereum) 24/7.
Invest in physical gold and silver within your retirement account.
Rollover existing retirement funds from a 401(k), 403(b), or other retirement plans into a crypto IRA.
Unlike traditional brokerage IRAs limited to stocks and mutual funds, iTrustCapital combines digital assets with tax-advantaged investing — letting users diversify their long-term retirement portfolios.
Key Features and Benefits
Tax-Advantaged Crypto Investing Using iTrustCapital, investors can buy and sell cryptocurrencies inside an IRA — meaning gains can be tax-deferred or tax-free depending on the IRA type. This is a major benefit for long-term investors looking to protect gains from short-term capital gains tax.
Institutional-Grade Security Assets are held via regulated institutional custodians and stored in cold, insured storage solutions to protect against hacks and theft. Popular partners include custodians and infrastructure providers with strong track records in digital asset security.
Simple, Transparent Fees iTrustCapital charges no setup or monthly maintenance fees. Instead, it uses a flat 1% transaction fee on each crypto trade — one of the more straightforward fee structures in the crypto IRA niche.
Diverse Asset Selection Users can trade a broad range of major and emerging cryptocurrencies and also add gold and silver to their retirement holdings — a feature few traditional IRA custodians offer.
Easy Rollovers Investors can transfer retirement funds from existing IRAs or employer plans (like 401(k)s) into iTrustCapital without triggering a taxable event.
Pros and Cons of iTrustCapital Pros Cons Tax-advantaged crypto and metals trading Available only to U.S. residents No monthly or setup fees Assets cannot be withdrawn as crypto; only USD to bank Institutional custody and security $1,000 minimum account funding Transparent fee structure (flat 1%) Limited traditional asset classes (no stocks/ETFs) 24/7 trading access Reporting/export options limited Security and Compliance
Security is a major selling point for iTrustCapital. The platform offers two-factor authentication (2FA), institutional cold storage, and partnerships with well-known security providers to protect assets and account access.
Customer Reviews & Reputation
iTrustCapital has generally positive user feedback, especially on review platforms like Trustpilot, where it enjoys high ratings for customer service and ease of use. However, like any financial service, not all experiences are perfect — some users report occasional customer service delays and interface limitations.
Who Is iTrustCapital Best For?
iTrustCapital is ideal for:
Long-term investors seeking exposure to crypto and precious metals.
Retirement savers wanting to diversify beyond stocks and bonds.
U.S. taxpayers looking for tax-advantaged crypto investing.
Individuals comfortable with volatility and alternative assets.
Conclusion
iTrustCapital stands out as a leading crypto IRA provider that bridges the gap between traditional retirement planning and modern digital asset investing. Its robust security, simple fee structure, wide asset choices, and retirement-friendly capabilities make it a competitive choice for investors looking to add digital assets to their future wealth strategy. However, potential users should weigh its U.S.-only availability and asset limitations against their investment goals before committing.
Built on
Built on