If you’ve been searching for iTrustCapital reviews, you’re likely wondering whether this platform is a smart and secure way to invest in cryptocurrency and precious metals within a retirement account. With the growing popularity of crypto IRAs and alternative assets like gold and silver, iTrustCapital has quickly positioned itself as one of the most talked-about platforms in the space.
But is iTrustCapital legit—or just another overhyped investment platform?
In this in-depth iTrustCapital review, we’ll break down everything you need to know before opening an account. You’ll learn how the platform works, its fees and features, supported assets, and what real customers are saying. We’ll also cover the pros and cons, potential risks, and how iTrustCapital compares to other top Gold IRA companies—so you can decide if it’s the right fit for your retirement strategy.
Whether you’re looking to diversify with Bitcoin, Ethereum, gold, or silver, or simply want a tax-advantaged way to invest beyond traditional stocks, this guide will help you make an informed decision.
What Is iTrustCapital?
iTrustCapital is a digital asset IRA platform that enables investors to buy and sell cryptocurrencies alongside physical precious metals (gold and silver) within tax-advantaged retirement accounts such as Traditional and Roth IRAs. It essentially bridges the gap between retirement investing and the fast-moving crypto market, giving users access to 90+ cryptocurrencies, 24/7 trading, and a simple, transaction-based fee structure instead of recurring monthly charges.
Key Features of iTrustCapital
- Tax-Advantaged Trading: Investors can trade crypto and precious metals without triggering immediate taxes, making it well-suited for long-term retirement strategies.
- Wide Asset Selection: The platform supports over 90 cryptocurrencies—including Bitcoin, Ethereum, and Solana—along with physical gold and silver.
- No Monthly Fees: iTrustCapital does not charge ongoing account fees. Instead, it applies a 1% fee on cryptocurrency trades and a fixed premium over spot for metals ($125 per ounce of gold and $10 per ounce of silver).
- Secure Custody: Assets are stored with institutional-grade custodians such as Coinbase Custody and Fidelity Digital Assets, typically using cold storage for enhanced security.
- Low Entry Point: Investors can get started with a minimum account balance of $1,000.
- IRA Rollovers Supported: Existing retirement accounts—including 401(k), 403(b), TSP, and IRAs—can be rolled over into an iTrustCapital account.
How iTrustCapital Differs from Crypto Exchanges
Unlike traditional crypto exchanges, iTrustCapital is not a direct trading venue or custodian. Instead, it functions as a platform that connects investors with regulated third-party custodians, allowing them to hold and trade assets within a compliant IRA structure designed specifically for retirement investing.
Who Owns iTrustCapital?
iTrustCapital was founded in 2018 by Todd Southwick and Blake Skadron. The company initially grew as a bootstrapped startup before attracting major institutional backing. In 2022, growth equity firm Left Lane Capital led a $125 million Series A funding round, becoming a key investor and valuing the company at approximately $1.3 billion.
Today, iTrustCapital is operated by an experienced leadership team, with Kevin Maloney serving as CEO and co-founder Blake Skadron holding the role of Chief Visionary Officer (CVO).
Key Ownership & Company Details
- Founders: Todd Southwick and Blake Skadron
- Lead Investor: Left Lane Capital (Series A, $125M funding round)
- Valuation: Approximately $1.3 billion following the 2022 investment
- Company Status: Initially bootstrapped and profitable prior to external funding
- Leadership (2026): Kevin Maloney (CEO), Blake Skadron (Co-Founder & CVO)
iTrustCapital operates a platform that allows investors to trade cryptocurrencies and physical precious metals within IRA accounts. As of early 2022, the company reported over 27,000 funded accounts and billions of dollars in transaction volume, highlighting its rapid growth in the alternative retirement investing space.
iTrustCapital Products & Services
iTrustCapital offers a suite of retirement-focused investment solutions designed to combine the benefits of tax-advantaged IRAs with access to alternative assets like cryptocurrencies and precious metals. Its platform operates on a secure, 24/7 “closed-loop” system backed by institutional-grade custody, allowing users to trade without transferring assets to external wallets.
Core Products and Services
- Self-Directed Crypto IRAs: Investors can allocate retirement funds into cryptocurrencies as well as gold and silver, all within a tax-advantaged IRA structure.
- Premium Custody Accounts (PCA): A secure, closed-loop environment that enables continuous trading of digital assets and metals while keeping funds within institutional custody—reducing exposure to external wallet risks.
- Cryptocurrency Trading: Access to 90+ leading digital assets, including Bitcoin (BTC), Ethereum (ETH), Solana (SOL), XRP, and Cardano (ADA).
- Physical Precious Metals: Investors can purchase and hold physical gold and silver directly within their retirement accounts.
- Flexible Account Types: Supports multiple IRA structures, including Traditional, Roth, SEP, and Inherited IRAs, as well as rollovers from existing accounts like 401(k)s and other IRAs.
Overall, iTrustCapital’s product lineup is designed to give investors a streamlined, secure way to diversify their retirement portfolios beyond traditional stocks and bonds.
How to Get Started with iTrustCapital
- Open an Account: Visit the iTrustCapital website and click “Open Account” to complete the online application.
- Verify & Secure Your Profile: Confirm your email address and enable Two-Factor Authentication (2FA) to protect your account.
- Fund Your Account: Get started with a minimum of $1,000 by rolling over an existing IRA, transferring funds from a qualified retirement plan (like a 401(k)), or making a new contribution.
- Start Trading 24/7: Once funded, use the platform’s dashboard to buy or sell from 90+ cryptocurrencies or invest in physical gold and silver anytime.
Pros of iTrustCapital
- Cost-Effective Fee Structure: iTrustCapital stands out for its low-cost model, with no account setup or monthly maintenance fees. Instead, it charges a simple 1% fee on crypto trades and competitive, low premiums over spot for gold and silver.
- Tax-Advantaged Investing: The platform allows users to buy, sell, and hold cryptocurrencies and physical precious metals IRA accounts, helping investors defer or eliminate taxes depending on the account type.
- Wide Range of Assets: Investors gain access to 90+ cryptocurrencies—including major assets like Bitcoin and Ethereum—alongside physical gold and silver for added portfolio diversification.
- 24/7 Trading with Real-Time Pricing: Unlike traditional markets, iTrustCapital enables round-the-clock trading, allowing users to respond instantly to price movements in both crypto and metals.
- Strong Security Infrastructure: Assets are safeguarded through institutional custodians such as Coinbase Custody and Fidelity Digital Assets, with cold storage solutions adding an extra layer of protection.
- Seamless Rollover Process: Funding your account is straightforward, whether through IRA transfers or rollovers from employer-sponsored plans like 401(k), 403(b), or TSP accounts.
- User-Friendly Platform: The interface is clean and easy to navigate, making it suitable for both beginners and experienced investors. Users also benefit from 24/7 customer support access.
- Additional Income Opportunities: Features like crypto staking (e.g., Solana) allow users to earn passive income within their retirement accounts. The platform also offers a non-IRA Premium Custody Account (PCA) for secure, taxable trading outside retirement structures.
Cons of iTrustCapital
- Limited Asset Selection: The platform focuses solely on cryptocurrencies and physical gold/silver, meaning you won’t find traditional investments like stocks, ETFs, or mutual funds.
- No Direct Control of Private Keys: Assets are held with third-party custodians (such as Fortress Trust), so investors do not control their private keys—something that may concern users who prefer full ownership of their crypto.
- Minimum Investment Requirement: A minimum of $1,000 is required to open and fund an account, which may be a barrier for some beginners.
- Rollover Delays: Transferring funds from existing retirement accounts (like 401(k)s or IRAs) can take several weeks, depending on the provider.
- Staking Fees & Risks: While staking is available, iTrustCapital charges a relatively high service fee (around 22%) on staking rewards, which can reduce overall returns.
- Withdrawal & Transfer Costs: Although ACH transfers are free, outgoing bank wires for distributions typically incur a $15 fee.
- IRA-Focused Platform: The platform is primarily designed for retirement accounts, with limited options for standard taxable brokerage investing (outside of its Premium Custody Account).
- Geographic Restrictions: iTrustCapital is not available in certain U.S. states, including New York and Hawaii.
- Transaction-Based Fees: While generally competitive, fees are still applied to every trade, which can add up for active investors.
Overall, while iTrustCapital offers strong advantages for alternative retirement investing, its limitations around asset variety, custody structure, and fees are important factors to consider.
Customer Reviews and Complaints
iTrustCapital has built a strong reputation across multiple review platforms, with consistently high ratings that reflect positive user experiences:
- Trustpilot: 5.0/5 based on 8,418 reviews
- Birdeye: 4.8/5 based on 17,258 reviews
- Better Business Bureau (BBB): Not accredited, but holds a 4.74/5 rating from 115 customer reviews
- Google Reviews: 4.9/5 based on 5,883 reviews
Overall, customer feedback highlights high satisfaction levels, particularly in areas such as ease of use, transparent pricing, and the ability to trade crypto and precious metals within a retirement account.
Is iTrustCapital Legit?
Short answer: Yes — iTrustCapital is generally considered a legitimate platform.
However, like any financial service (especially in crypto and retirement investing), it has both strengths and risks you should understand before using it.
✅ Why iTrustCapital is Legit
- Established company (since 2018):
iTrustCapital has been operating for several years and has grown rapidly in the crypto IRA space. - Large user base & transaction volume:
The platform has handled billions of dollars in transactions and serves hundreds of thousands of accounts. - Strong customer ratings:
It consistently receives high ratings on platforms like Trustpilot and Google, with many users praising ease of use and customer support. - IRS-compliant IRA structure:
The platform is designed to comply with retirement account regulations, allowing tax-advantaged investing in crypto and metals. - Security via institutional custodians:
Assets are held with third-party custodians and protected using industry-standard security practices like cold storage. - Industry recognition:
Many independent reviews describe it as one of the more affordable and accessible crypto IRA platforms available today.
⚠️ Concerns & Limitations to Be Aware Of
- Not BBB accredited:
While it has an A+ rating, it is not officially accredited by the Better Business Bureau. - Custodial structure (no private keys):
You don’t directly control your crypto — it’s held by custodians, which may not suit hardcore crypto users. - Some complaints exist:
A few users report delays with withdrawals or rollover issues, which is common in IRA platforms but still worth noting. - Limited asset classes:
It focuses only on crypto and precious metals — no stocks or ETFs.
👉 iTrustCapital is legit — but best suited for a specific type of investor.
It’s a strong option if you:
- Want to invest in crypto or gold inside a retirement account
- Prefer a simple, low-fee platform
- Are comfortable with custodial storage (not holding your own keys)
It may NOT be ideal if you:
- Want full control of your crypto (self-custody)
- Prefer broader investments like stocks or real estate
- Need instant withdrawals (IRAs have restrictions)
iTrustCapital is not a scam — it’s a legitimate, widely used crypto IRA platform.
But like all retirement and crypto investments, success depends on how well it fits your goals and risk tolerance.
iTrustCapital vs Augusta Precious Metals
| Feature | iTrustCapital | Augusta Precious Metals |
|---|---|---|
| Best For | Crypto + metals investors | Serious gold IRA investors (65+) |
| Minimum Investment | ~$1,000 | ~$50,000 |
| Assets Available | Crypto + Gold + Silver | Gold + Silver (IRA-focused) |
| Fees | 1% crypto fee, low metal premiums, no monthly fees | Setup + annual storage fees (~$200+/yr) |
| Trading Access | 24/7 online trading | Phone-based purchasing |
| Ease of Use | Fully digital platform | White-glove service |
| Storage | Institutional custody (RBC, etc.) | IRS-approved depositories |
| Education & Support | Basic support | Industry-leading education & lifetime support |
| Investor Type | DIY, tech-savvy | High-net-worth, retirement-focused |
🔍 Key Differences Explained
1. Investment Focus (BIGGEST Difference)
-
iTrustCapital:
- Crypto + metals
- Built for modern, tech-savvy investors
-
Augusta Precious Metals:
- Pure gold & silver IRA specialist
- Built for wealth preservation and retirement protection
Have $50,000+ to protect? Learn how Augusta Precious Metals helps safeguard retirement savings
iTrustCapital Reviews – Final Verdict
After analyzing multiple iTrustCapital reviews, it’s clear that the platform has carved out a strong position in the growing niche of crypto and precious metals IRAs. Its biggest strengths lie in its low-cost structure, ease of use, and ability to combine cryptocurrencies with gold and silver inside a tax-advantaged retirement account—something traditional brokers still don’t offer.
For investors who want 24/7 access, a simple digital dashboard, and exposure to assets like Bitcoin and Ethereum, iTrustCapital is one of the most accessible options available today. The low minimum investment also makes it appealing to beginners or those testing the waters with alternative assets.
However, it’s not the perfect fit for everyone. The platform’s limited asset selection, custodial structure (no private keys), and transaction-based fees may be drawbacks for more advanced investors or those seeking full control over their crypto holdings. Additionally, if your primary goal is long-term wealth preservation with physical metals and white-glove support, traditional Gold IRA companies may offer a more tailored experience.
👉 iTrustCapital is legit and best suited for investors who want a modern, low-cost way to add crypto and precious metals to their retirement portfolio.
👉 For high-net-worth investors (especially 65+) looking to protect $50,000+ with gold and silver, a premium provider like Augusta Precious Metals may be a better fit.
Frequently Asked Questions
How safe is iTrustCapital?
iTrustCapital uses institutional-grade security through third-party custodians like Coinbase Custody and Fidelity Digital Assets. Assets are typically stored in cold storage, which reduces the risk of hacks. While no platform is 100% risk-free, iTrustCapital follows industry-standard security practices for protecting client funds.
What are the fees for iTrustCapital?
iTrustCapital has no setup or monthly maintenance fees. Instead:
- Crypto trades: 1% transaction fee
- Gold: typically priced at a fixed premium over spot (e.g., ~$75–$125/oz depending on conditions)
- Silver: typically priced at a fixed premium over spot (e.g., ~$3.25–$10/oz)
This simple pricing model is one of its main advantages compared to competitors.
Can I withdraw crypto from iTrustCapital?
Yes, but with limitations. Since iTrustCapital operates within an IRA structure, withdrawals must follow IRS retirement rules. You generally cannot freely transfer crypto to an external wallet without triggering a taxable distribution. Always consider tax implications before withdrawing.
Is iTrustCapital FDIC insured?
No, iTrustCapital accounts are not FDIC insured because they involve investments (crypto and precious metals), not bank deposits. However, custodians may carry insurance coverage for certain risks, which adds a layer of protection.
Can you put XRP in a Roth IRA?
Yes, if the platform supports it. iTrustCapital offers a wide range of cryptocurrencies (including XRP), and you can hold them within a Roth IRA, allowing for potential tax-free growth if IRS conditions are met.
How trustworthy is iTrustCapital?
iTrustCapital is generally considered a legitimate and trustworthy platform. It has been operating since 2018, has thousands of positive customer reviews, and partners with reputable custodians. However, like all financial platforms, it’s important to do your own due diligence.
Can your crypto be stolen if it’s staked?
Staking itself does not automatically mean your crypto will be stolen, but it does introduce additional risks such as smart contract vulnerabilities or platform-related issues. iTrustCapital mitigates some of these risks by keeping assets within its custodial system, though no system is completely risk-free.
How much would I have if I invested $1,000 in Bitcoin 10 years ago?
If you had invested $1,000 in Bitcoin around 2016 (when Bitcoin was roughly $400–$500), your investment could be worth $100,000+ today, depending on timing and market fluctuations. This highlights the massive growth potential—but also the volatility—of crypto investments.
What account types does iTrustCapital support?
iTrustCapital supports several IRA types, including Traditional, Roth, SEP, and Inherited IRAs. It also allows rollovers from existing retirement accounts like 401(k)s and other IRAs.
Is iTrustCapital good for beginners?
Yes, iTrustCapital is considered beginner-friendly due to its simple interface, low minimum investment, and straightforward fee structure. However, beginners should still understand the risks of crypto investing and retirement account rules before getting started.
