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

• What it is: An award-winning fintech (founded 2018 in southern California) offering secure Premium Custody Accounts (PCA) for taxable investing and Tax-Advantaged Crypto IRAs* (self-directed IRAs) with institutional custody and around-the-clock 24/7 access.
• Best for: U.S. investors who want real crypto exposure (plus gold/silver) in secure, closed-loop custody and/or IRA tax advantages, backed by live, U.S.-based customer support.
• Strengths: 24/7 access to over 80+ cryptocurrencies and precious metals; no setup or monthly fees; flat 1% crypto transaction fee; institutional storage (Cold Storage, MPC, HSM) via Coinbase Custody and Fireblocks; recurring buys; conditional orders; near-instant settlements.
• Trade-offs: $1,000 minimum to open; U.S.-only; PCA withdrawals are USD-only to a U.S. bank (no crypto withdrawals); insurance amounts and per-account limits not disclosed; limited visibility into CSV/API exports.

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.

iTrustCapital’s differentiation centers on two account types: a taxable Premium Custody Account (PCA) designed for secure, exchange-alternative investing, and a Tax-Advantaged Crypto IRA (a self-directed IRA) for 24/7 crypto investing with traditional or Roth tax benefits.

The PCA operates in a closed-loop system: clients can fund with USD or eligible crypto in-kind, but withdrawals are USD-only to a U.S. bank, eliminating external wallet transfers and mitigating drain risk if a login is compromised. A company representative told CryptoSlate:

“We offer a 1% transaction fee on buys/sells, secure custody through U.S.-based third-party providers, a simple, reliable platform, and thousands of five-star client reviews.”

The company reports 250,000+ accounts opened and 10,000+ excellent reviews across independent sites, plus multiple industry awards and recognition as the largest Crypto IRA platform in the U.S. (company materials).

1. Open & verify: Choose PCA or Crypto IRA, create an account, and complete identity checks.
2. Fund:
   • PCA: Cash or in-kind crypto.
   • IRA: Transfer from another IRA, roll over a former employer plan (401k/403b/457), or make cash contributions.
   • Minimums: $1,000 to open; $500 for additional deposits; per-transaction minimum around ~$15 (varies by asset).
3. 24/7 Buying & Selling: Access 80+ cryptocurrencies (e.g., BTC, ETH, XRP, SOL) and gold/silver. Use conditional orders and set weekly/monthly recurring buys.
4. Execution & settlement: Orders typically settle in 15–30 seconds. For thin-liquidity tokens, the platform enforces per-transaction maximums to limit slippage. For large BTC/ETH/SOL orders, submit successive transactions; multiple liquidity providers compete for best execution.
5. Stake (where available): Solana and Ethereum are live, and Cardano staking is coming soon. iTrustCapital charges 22% of rewards (clients keep 78%). The dashboard displays net estimated yields.
6. Withdrawals & distributions:
   • PCA: USD-only withdrawals to a U.S. bank (no crypto withdrawals).
   • IRA (age 59½+): In-kind crypto distributions to a personal wallet are supported, typically 3–7 business days, no iTrustCapital transfer fee, with live personal verification.

Notable features: Closed-loop PCA design; institutional custody; 24/7 crypto and metals; conditional orders; recurring buys; slippage controls via transaction caps; multi-provider liquidity; near-instant settlement; staking with net yields shown.

• Setup: $0
• Monthly: $0
• Crypto transactions: 1% per buy/sell
• Precious metals: Priced slightly above spot with up-front per-ounce fees
• Minimums: $1,000 to open; $500 for subsequent deposits; per-transaction minimum around ~$15 (varies)

Company materials position iTrustCapital as a leading, affordable choice in its category, with low pricing, an easy interface, and strong client ratings.

iTrustCapital leverages third-party U.S.-based custodians and institutional storage providers: Coinbase Custody and Fireblocks, with Cold Storage, Multi-Party Computation (MPC), and Hardware Security Modules (HSM).

Insurance Coverage & Limits

iTrustCapital’s storage partners maintain commercial crime insurance. The company says it cannot disclose per-wallet insurance amounts and that these providers do not publish coverage limits.

iTrustCapital notes it actively manages wallet structures to maximize coverage across providers. Importantly, no crypto-industry policy covers 100% of assets on any platform; in practice, insurance is a backstop rather than a guarantee. Still, being underwritten at all indicates a level of security rigor and platform maturity among these custodians.

Assets are maintained 1:1, off-balance sheet, and held FBO (for the benefit of) each client. The closed-loop PCA (no external wallet transfers; USD-only withdrawals to a U.S. bank) reduces the risk of wallet drains even if a login is compromised.

On insurance, the company is refreshingly candid:

“No insurance policy in the crypto industry covers all assets on any platform; our storage providers maintain commercial crime insurance, but they do not disclose amounts.”

iTrustCapital says Ethereum staking is slated for the next few weeks, with Cardano (ADA) to follow later this year.

To reduce slashing risk, the company plans to use Figment validators, a widely regarded institutional staking provider. iTrustCapital characterizes this as risk mitigation, not elimination; specific slashing-loss policies (e.g., who absorbs losses, coverage caps, or make-good procedures) have not been published. A company representative spoke to CryptoSlate:

“ETH staking in the next few weeks, followed by ADA later this year. Slashing is mitigated using Figment validators.” 

Award-winning U.S.-based live support is a standout: open phone line on weekdays, live chat, and ticketing. The company emphasizes fast handling for critical events (e.g., distributions), with multi-member coordination and same-day responses. A company representative told CryptoSlate:

“Most client issues are resolved within minutes, and all inquiries are responded to the same day.”

Named alternatives in this category include Choice by Swan, BitIRA, and Fidelity’s Digital Assets. iTrustCapital’s pitch versus crypto ETFs: actual crypto (eligible for in-kind IRA distributions to personal wallets), 24/7 buying and selling, and 80+ crypto assets (ETFs currently focus on BTC/ETH).

Pricing claims versus competitors are limited to the provided 1% transaction fee and the absence of setup/monthly fees.

Bitcoin IRA Competitor Snapshot

• Quality & UX: 9.2/10 — Clear workflows, near-instant settlement, straightforward dashboards
• Features: 8.2/10 — PCA + Crypto IRA, conditional orders, recurring buys, metals, staking roadmap; PCA’s USD-only outflows limit flexibility
• Value & Pricing: 9.0/10 — Flat 1% crypto transaction fee; no setup/monthly fees; competitive metals pricing (per company)
• Trust & Transparency: 8.5/10 — Institutional storage providers and closed-loop design; insurance details not disclosed
• Support: 9.2/10 — Award-winning, U.S.-based live service; same-day responses emphasized
• Security & Compliance: 8.7/10 — Cold storage/MPC/HSM; 1:1 off-balance-sheet FBO; strong controls, with limited public insurance detail
• Integrations: 8.0/10 — Monthly statements/tax docs; CSV/API/third-party sync not specified

Disclosure: CryptoSlate was sponsored for this review, but independently developed its weighted scoring formula and final score, and may receive a referral commission if you sign up via links on this page.