iTrustCapital Review 2025: Secure Premium Custody Accounts and Tax-Advantaged Crypto IRAs

Crypto investing in 2025 is no longer just about buying coins and sitting back for a price rally. You also need to think about where you keep them and how you handle taxes. iTrustCapital makes that easier with two tracks — a Premium Custody Account (PCA) for secure crypto investing and a Crypto IRA for tax-advantaged investing. Both are built to easily give you exposure to crypto and precious metals while keeping your assets secure. This comprehensive 2025 review will cover what iTrustCapital offers, its new account types, fees, security measures, pros and cons, and more.

KEY TAKEAWAYS
➤ iTrustCapital provides both Crypto IRAs and Premium Custody Accounts, offering tax advantages or secure non-retirement investing.
➤ The platform charges a flat 1% crypto transaction fee, plus set spreads on gold and silver.
➤ Assets are secured through Coinbase Custody and Fireblocks with a closed-loop system reducing external transfer risks.
➤ iTrustCapital is only available to U.S. residents, with account minimums starting at $1,000 for participation.

Who is this iTrustCapital review for?

This iTrustCapital review should appeal to a variety of crypto enthusiasts. Keep reading, especially if you are:

• A U.S. citizen
• Interested in crypto investing with secure custody
• Interested in tax advantages for crypto
• Seeking long-term savings and investing
• Currently own a retirement account

What is iTrustCapital?

iTrustCapital is a leading fintech software platform for alternative assets. The company provides 24/7 access to digital assets, cryptocurrencies, and precious metals through self-directed, tax-advantaged Crypto IRAs and their Non-IRA Premium Custody Accounts. Leveraging a highly secure closed-loop system and third-party US banks and custodians, iTrustCapital provides greater asset protection and flexibility for a broad range of retail and institutional clients. 

Their platform lets you invest in dozens of cryptocurrencies and physical precious metals – like Bitcoin (BTC), Ethereum (ETH), Solana (SOL), XRP (XRP), gold, and silver – through either a secure Premium Custody Account (PCA) or a tax-advantaged Crypto IRA*.

In other words, it’s an online investment platform for holding these assets. You can use it through a retirement account or a regular taxable account, with an emphasis on security and ease of use.

No monthly or yearly account fees apply. You pay 1% per crypto transaction, $75 over spot per ounce of gold, and $3.25 over spot per ounce of silver. As a crypto investor, you get 24/7 access to over 80 different cryptocurrencies. 

The company was founded in 2018 and initially focused on crypto IRAs, but it has since expanded its services to include non-retirement crypto investing via the PCA. More on that in the next segment.

iTrustCapital boasts an “Excellent” 4.9-star average rating across thousands of client reviews on platforms like Google and Trustpilot. Such high satisfaction is often attributed to its ease of use and reliable customer service.

A brief history of iTrustCapital

Founded in 2018 in Southern California, iTrustCapital quickly became a prominent player in the crypto IRA space. The platform’s stated objective was to simplify investing in cryptocurrencies and precious metals through self-directed IRAs.

Since then, the company has significantly expanded its offerings and reported steady growth.

In 2022, iTrustCapital made headlines by securing an impressive $125 million Series A funding. This achievement followed an exceptional year, during which the company attained a remarkable valuation, surpassing $1.3 billion.

iTrustCapital’s commitment to innovation and excellence did not go unnoticed in 2021. The firm received prestigious accolades, including “Innovator of the Year” and “Best Crypto Investment Platform” from the IMA Impact21 Awards.

iTrustCapital has continued to be recognized in various industry circles for its growth and client focus. For instance, 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.

It also received recognition for its web platform design and, in 2025, bagged the Stevie Award for Customer Experience Excellence, an acknowledgement of the strength of its client service team.

By late 2024 to early 2025, iTrustCapital reported it had surpassed $14 billion in total transaction volume, a 27% increase that year alone. This growth underscores strong demand for crypto retirement investing and the platform’s ability to scale securely.

In mid-2025, the iTrustCapital launched Premium Custody Accounts (PCA) in response to user demand. The new account allowed clients to invest in crypto outside a retirement account while retaining iTrustCapital’s institutional custody and security features.

The PCA launch marked a new milestone for the platform, as it was now open to a far broader use beyond retirement investing.

Where is iTrustCapital available?

Currently, the company is only available to U.S. residents. To enhance security measures, the platform employs IP address blocking to restrict access from outside the U.S.

How to Sign Up for iTrustCapital in 2025

Opening an account with iTrustCapital is a straightforward process. Here’s a step-by-step overview of how to get started:

1) Visit the iTrustCapital website or app

Go to the official iTrustCapital site and click “Open Account” (or download the iTrustCapital mobile app for iOS/Android). You’ll be prompted to create an account with your email and a secure password.

2) Choose your account type

Once logged in, you can select which type of account to open – either a Crypto IRA (Traditional, Roth, or SEP) or a Premium Custody Account.  iTrustCapital’s learn center has educational content explaining what each IRA type (Traditional vs. Roth) is and the unique benefits of each.

3) Complete the application

Fill out the required personal information, which includes details needed for identity verification (as iTrustCapital complies with KYC/AML regulations). If opening an IRA, you will also provide info related to setting up a custodial account (with the qualified custodian bank) as part of the process. The website’s step-by-step guide walks you through each field.

4) Identity verification

iTrustCapital will review your application and verify your identity. Typically, approvals are fairly quick – the team often reviews new accounts within 1–3 business days. You might need to upload a photo ID and possibly a proof of address, similar to opening any financial account.

5) Fund your account

After approval, you can fund the account. For a Crypto IRA, funding can be done in one of three ways: (a) initiate a transfer of funds from an existing IRA, (b) roll over funds from an old 401(k) or other old employer sponsored retirement plans (403(b), 457(b), TSP), or (c) make a direct cash contribution (ACH or wire) up to your annual IRA limit.

For a Premium Custody Account, you fund it by linking a U.S. bank and depositing USD or by depositing certain cryptocurrencies in-kind (more details on this below). Note that iTrustCapital requires a minimum of $1,000 to start either type of account (and $500 for any additional contributions). For PCA crypto deposits, the minimum is $5,000 in eligible cryptocurrency (i.e, Bitcoin (BTC), XRP (XRP), Solana (SOL), Ethereum (ETH), and more).

6) Start investing

Once your account is funded, you can begin buying and selling assets on the platform. The interface lets you select from the available cryptocurrencies or precious metals, view real-time prices, and execute transactions 24/7.

Tip: If you are opening a Crypto IRA, take advantage of iTrustCapital’s educational resources during signup. Understanding the differences between a Traditional, Roth, or SEP IRA and the tax implications of each can help you maximize the benefits. Always consider consulting a financial advisor or tax professional if you are unsure which account type suits your long-term goals.

What can you buy and sell on iTrustCapital?

iTrustCapital offers a wide range of assets to buy and sell, comprising two distinct categories: cryptocurrencies and precious metals. 

Within this selection, clients have access to over 80 popular cryptocurrencies, including  BTC, ETH, XRP, and more. Additionally, you also get the option to invest in precious metals like gold and silver.

Welcome offer and bonuses

The iTrustCapital customer referral program allows registered users to earn a $100 referral reward. Customers who refer a new customer may earn a  $100 funding bonus for referrals who become customers by opening an IRA account, passing compliance procedures, and funding their accounts.

The referral reward is paid to the user within 45 days of the referred customer funding their account. Users can access their referral link on the app to share with friends and family. 

The reward is canceled if users do not claim their referral reward or provide the necessary information within 30 days of qualifying. iTrustCapital may modify or terminate the program at its discretion.

(As always, promotions can change over time. The above reflects recent offers, but make sure to read the latest terms on iTrustCapital’s official site or ask their support for current promotions.)

Key features and tools

iTrustCapital offers two distinct paths: the Premium Custody Account (for secure non-IRA investing) and tax-advantaged retirement accounts*, including Traditional, Roth, and SEP IRAs. 

Both options operate on the same platform and under one user. Here are the standout features and tools that define iTrustCapital in 2025:

Premium Custody Account (PCA)

iTrustCapital’s PCA offers a secure, user-friendly way to buy, sell, and store crypto 24/7 outside of a retirement account, without the risks associated with self-custody or reliance on centralized exchanges.

Unlike traditional crypto exchanges, where assets can be moved to external wallets by users or exploited through unauthorized access, the Premium Custody Account (PCA) operates within a closed-loop system. With no external wallet connections, it helps mitigate the risk of funds being drained from a compromised account.

It serves as the company’s solution for investors who want secure crypto exposure outside of a retirement account.

Key points: no annual maximum contribution limits (since it’s not an IRA), and you can withdraw your money at any time without the age or penalty considerations that come with retirement accounts. 

However, PCA transactions are taxable events (any gains/losses will be reported for your taxes like a normal investment account). The PCA is ideal if you want to invest new money into crypto or hold existing crypto in a safer environment (an alternative to an exchange or self-custody). 

iTrustCapital’s closed-loop system significantly reduces the risk of client assets being transferred to unauthorized crypto wallets or bank accounts.

Essentially, PCA gives you the same 24/7 access to 80+ cryptocurrencies and precious metals as the IRA does, but without the tax benefits.

It’s a separate account type on your dashboard, and you can have both an IRA and a PCA if you wish to segregate your long-term retirement funds from shorter-term investments.

Crypto IRAs 

iTrustCapital’s Crypto IRA lets you buy and sell cryptocurrencies and precious metals 24/7 within a tax-advantaged* Individual Retirement Account. You can open a Traditional IRA (tax-deductible contributions, tax-deferred growth), Roth IRA (tax-free withdrawals in retirement), or SEP IRA (for self-employed individuals).

The main advantage is that gains on investments inside these IRAs can be tax-deferred or tax-free, depending on the account type. For example, if your Bitcoin or gold appreciates over time, you won’t owe 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 employee-sponsored retirement plan.  iTrustCapital also allows in-kind transfers of cryptocurrency from another Crypto IRA provider, so you can move supported assets without liquidating them back to USD first.

The platform also manages the required IRS reporting for your account. This includes issuing Form 5498 for contributions and Form 1099-R for distributions, helping ensure that your IRA remains compliant.

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.

• USD & crypto deposits: PCA accounts accept USD deposits from the account owner’s U.S. bank, or allow in-kind transfers of eligible crypto assets.
• USD-only withdrawals: Withdrawals are only permitted in USD, directly to the account owner’s bank account.
• No crypto withdrawals: Crypto withdrawals from PCA accounts to external wallets are not permitted by design. This helps mitigate the leading cause of asset loss and fraud from bad actors.

Low fees

iTrustCapital’s standout feature is its simple fee structure. There are no monthly maintenance costs or subscription charges, so you can keep an account open without paying ongoing fees. 

Instead, the platform charges a 1% fee on cryptocurrency buys and sells. For instance, a $5,000 BTC purchase carries a $50 fee (1% of $5,000 = $50), already factored into the transaction.

The 1% transaction fee is competitive, as many crypto IRA providers charge higher percentages or add spreads. For gold and silver, fees are built into the spread over spot prices — $75 over spot per ounce for gold and $3.25 over spot per ounce for silver. 

There are no additional storage fees for holding crypto or metals since institutional custody is included. Transfers, rollovers, and IRA contributions are also free.

The only extra costs clients may face are small charges for specific actions: a $5–$15 fee for cash distributions via wire or ACH, or a one-time $75 fee for an IRA conversion, such as switching from a Traditional IRA to a Roth IRA.

Staking and new features 

iTrustCapital has been gradually rolling out new features, such as crypto staking for certain assets. Staking allows you to earn rewards on your crypto holdings (for proof-of-stake coins) while they remain in your account. 

For example, in 2025, Ethereum (ETH) andSolana (SOL) staking was enabled for both IRA and PCA accounts. 

The platform handles the technical details of staking, so users can earn rewards directly through their account. More assets may become eligible for staking over time, along with other features. 

Educational resources

iTrustCapital offers learning tools to help clients understand alternative assets. Its Learn Center features articles, guides, and glossaries that explain crypto and IRA terminology. 

For those opening an IRA, the platform outlines account rules, explains the differences between IRA types, and provides references such as IRS guidelines to support informed decisions.

Deposits and withdrawals

Funding options at iTrustCapital differ depending on whether you open a PCA or a Crypto IRA. Both account types carry a $1,000 minimum to start and a $500 minimum for additional contributions, but the flow of deposits and withdrawals is not the same.

Premium Custody Account (PCA)

You can fund a PCA by depositing USD through a linked U.S. bank account via ACH or wire transfer. 

iTrustCapital also allows in-kind deposits of select cryptocurrencies (such as BTC and ETH), subject to approval and minimum thresholds. Withdrawals from a PCA are USD only, sent  to your U.S. bank account. 

This closed-loop structure prevents external wallet transfers and helps reduce the most common sources of asset loss and fraud.

• Minimum deposit to open: $1,000
  
• Minimum for additional deposits: $500
  
• Withdrawal method: USD only to a U.S. bank account
  
• Withdrawal timeline: Typically 3–5 business days (up to 10 during high volume)
  

Crypto IRAs

You can fund an IRA in three ways:

• Transfer funds from another IRA.
• In-kind transfers from another Crypto IRA provider
• Rollover an old employer-sponsored retirement plan (401(k), 403(b), TSP, 457).
• Cash contribution via ACH or wire, within IRS annual limits.
  

Withdrawals (distributions) from an IRA can be taken either in USD to your bank or in-kind to your own crypto wallet. Because tax consequences vary by IRA type and your personal financial situation, consulting a qualified tax advisor before making withdrawals is strongly recommended.

• Minimum deposit to open: $1,000
• Minimum for additional contributions: $500
• Withdrawal options: USD or in-kind crypto distribution
• Fees: $5 for ACH withdrawals, $15 for wire withdrawals

How secure is iTrustCapital?

iTrustCapital is a software platform, not an exchange, custodian, trust company, broker/dealer, or investment advisor, and it is not directly regulated as such. 

Instead, the platform works with Qualified Custodians, regulated banks and trust partners, as well as institutional storage providers, to secure user funds. 

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

.

In all cases, assets are maintained 1:1 off-balance sheet, meaning they are never commingled with iTrustCapital’s corporate funds or used for lending.

iTrustCapital relies on well-established names in digital asset security, including Coinbase Custody and Fireblocks, to manage storage under the oversight of its institutional storage providers.

As we discussed above, a key part of this framework is the platform’s closed-loop system, which limits how funds move into and out of accounts.

Additional safeguards

• User account protection: Clients must enable two-factor authentication (2FA), and sensitive actions like withdrawals or account changes trigger additional verification steps. Support calls are also time-limited to reduce the risk of social engineering.
• Asset Security: Their institutional storage providers, Coinbase Custody and Fireblocks, all have commercial crime insurance policies. These providers do not disclose the amounts that their policies cover, but it’s important to note that no insurance policy in the crypto industry covers all of the assets on any given platform.
• No lending or rehypothecation: iTrustCapital and its custodians do not lend out or reuse client assets. Your holdings remain in storage until you choose to buy, sell, or withdraw.

If iTrustCapital or one of its custodians were to cease operations, client assets would remain segregated and transferable to another qualified custodian. This ensures continuity of ownership and protection even in a worst-case scenario.

iTrustCapital review: Pros and cons

Pros

• No monthly or setup fees:  You won’t pay ongoing account maintenance charges, which helps keep long-term costs predictable and transparent.
• 1% crypto transaction fee: Every buy or sell carries a 1% fee, which makes the cost structure simple compared to platforms with complex tiered pricing.
• Offers tax-advantaged IRAs: You can invest in crypto and precious metals inside Traditional, Roth, or SEP IRAs, potentially reducing taxable gains or deferring taxes.
• Uses Coinbase Custody & Fireblocks for crypto custody:  Assets are stored with respected institutional providers using cold storage, MPC, and HSM.
• 24/7 access to 80+ cryptos & precious metals:  The platform operates around the clock. So you get enough flexibility to make transactions at any time across a broad set of assets.
  

Cons

• US-only platform: Access is restricted to U.S. residents, which limits availability for international investors.
• Limited DeFi functionality: You can buy and sell supported assets, but there’s no direct access to DeFi apps, staking pools, or yield farming.
• $1,000 minimum investment: Opening either a PCA or IRA requires at least $1,000, which can be a hurdle for some investors.

Customer Support

iTrustCapital maintains a U.S.-based client experience team, available Monday through Friday from 7:00 a.m. to 5:00 p.m. PST. 

Unlike many crypto platforms that rely heavily on bots, automated responses, or offshore call centers, iTrustCapital provides live support with trained representatives. 

The company highlights this as a key differentiator, while noting that clients can expect direct assistance from real support staff rather than automated systems.

Invest responsibly

It is important to remember that investing carries inherent risk, and you could potentially lose money. Therefore, it is paramount that users never risk more than they can comfortably afford to lose and invest responsibly. 

Furthermore, this iTrustCapital review is not a formal cosign of the platform. Users should consider their personal goals and their financial obligations before making any investment decisions.

iTrustCapital: A safe and pleasant introduction to crypto

This review finds that iTrustCapital provides a clear and accessible path into digital assets. It appeals to investors who may be less familiar with crypto, with exposure through retirement accounts or custody services, while keeping a structure similar to traditional finance. 

The platform also fills a specific niche in the industry, with institutional-grade security and U.S.-based client support. With Premium Custody Accounts (PCA) now live, iTrustCapital looks set to move past its retirement niche and step into the role of a broader crypto gateway.

Frequently asked questions