iTrustCapital Review (Can You Actually Trust It?) (Updated 2026)

I’ve been hunting for a simple way to keep a small slice of crypto next to gold/silver inside a retirement account, without drowning in paperwork or mystery fees.

iTrustCapital kept popping up, so I signed up, clicked through their flow, and stress tested the basics. Here’s exactly what stood out, what bugged me, and who I think it’s for.

iTrustCapital Review: Quick Summary

• Type: Self-directed IRA software platform (non-custodial) for crypto and digitally-tracked precious metals.

• Account minimum: $1,000 to open.

• Fees: Crypto 1% per trade; Gold $75/oz over spot; Silver $3.25/oz over spot; $0 monthly/setup.

• Metals rail: Kitco + Tradewind VaultChain?; stored at Royal Canadian Mint (ownership recorded on blockchain). Custodian: Fortis Bank as qualified custodian (per iTrustCapital Help Center, Oct 2025).

• Support: Phone + help center; business hours listed on site.?

Quick Verdict (read this if you’re busy)

If you want a no-nonsense IRA for crypto + metals with transparent trade pricing and no monthly fee, iTrustCapital does the job. It’s painless to navigate, the metals rail runs through VaultChain (Kitco + Royal Canadian Mint), and the crypto fee is a flat 1% per trade. It’s not for stock pickers, and you won’t self-custody crypto keys here, but as a low-friction IRA hub for alternatives, it’s hard to beat.

My score: 4.1/5

What iTrustCapital Is (& how it works)

iTrustCapital is a software platform to self-trade alternative assets inside an IRA. It partners with third-party banks, trusts, and storage providers. Assets are held off-balance sheet with the qualified custodian; iTrustCapital itself is not an exchange or advisor. 

Ways to Invest:

A) Cryptocurrency (75+ coins, 24/7)

You can place market or conditional orders (e.g., buy/sell at a set price) on a wide roster (BTC, ETH, SOL, XRP, DOGE, etc.). Trading is available 24/7 in the dashboard.

B) Precious Metals (gold & silver via VaultChain?)

You buy investment-grade gold/silver sourced via Kitco. Ownership is recorded on Tradewind’s VaultChain; metal is physically held at the Royal Canadian Mint. You can trade 24/7; pricing is a simple premium over spot.

Who Owns iTrustCapital (& Who Runs It)

When I checked whose actually behind iTrustCapital, here’s what I found after digging through their About page and filings:

• Company: Owned by ITC 2.0, Inc., based in Irvine, California.

• Leadership:

  • Kevin Maloney: CEO

  • Blake Skadron: Co-founder & CVO

  • Both come from the alternative investing and fintech world, not random crypto hype.

• How it?s structured:

  • iTrustCapital is a software platform, not a custodian or exchange.

  • Your assets sit with Fortis Bank or iTrust Custodial Services (U.S.-regulated).

• Awards:

  • Ranked among Deloitte’s Fastest-Growing Companies (2024)

  • Won a Stevie Award for Customer Experience (2025)

Bottom line: it’s a U.S.-based fintech with real leadership and regulated partners, not a sketchy offshore exchange pretending to be one.

Fees & Minimums

Sources: iTrustCapital & independent roundups.

Security & storage, in plain English

• Custody: Assets are held off-balance sheet with a qualified custodian; iTrustCapital is not lending your assets out.

• Crypto: Cold storage + institutional partners; standard IRA custody model.

• Metals: Stored at the Royal Canadian Mint, ownership tracked on VaultChain? (Kitco/Tradewind). It’s designed to be boring, and that’s what you want for retirement assets.

Accounts, Funding & Withdrawals

• Account types: Traditional, Roth, SEP, and Inherited IRAs. $1,000 to ope.?

• Funding: Rollover/transfer/ACH. Typical setup 1? 3 business days; rollovers can take longer depending on the other institution.

• Distributions: Request via forms; expect processing time (users sometimes report delays, see BBB section).

First-hand take

I’ll be straight: you don’t hold the keys here. iTrust keeps assets with a third-party custodian, which is standard for an IRA but not what hardcore crypto people want. I am fine with it for retirement money. If iTrust ever disappeared, the assets aren’t supposed to vanish with them? That separation is the point.

Are withdrawals notinstant? When I looked into it, new deposits sit for ~90 days, and getting money out can feel like airport security: ID checks, tiny test transactions, even a quick video verify. Annoying? Yep. But that’s also how they try to keep scammers out. I plan around it and don’t expect same-day liquidity.

Onboarding is heavy. They’ll want full KYC?ID, statements, all of it. One guy complained that the MFA defaults to SMS unless you harden it, so I just assume I need to lock down my login the old-fashioned way and keep every email they send.

This is custodial, compliance-first storage? good for a long-term IRA where I rebalance once in a while, not for degen trading or anyone who needs self-custody. If you’re cool with IRA rules and slower exits, the security process makes sense. If you want your keys, your coins, this isn’t that.

Why I tried it

I’ve reviewed precious metals dealers for years. Crypto IRAs, though? Many are either fee-heavy or clunky. iTrustCapital looked cleaner: one dashboard, 24/7 trading, and a straight answer on costs. I wanted to see if the experience matched the marketing.

What instantly felt different

1) The pricing isn’t buried

No ? call for a kit? no lead-gen dance. Fees are right there:

• Crypto trades: 1% per transaction

• Gold: $75/oz over spot

• Silver: $3.25/oz over spot

• Monthly/setup: $0

• Account minimum to open: $1,000

I’d rather see a tiny discount for bigger metal orders, but predictability matters more to me than a teaser rate with asterisks.

2) Metals without the storage headache

You buy gold/silver that’s physically stored at the Royal Canadian Mint, while ownership is recorded on VaultChain? (a blockchain ledger via Tradewind). I like that the platform treats metals like line items you can trade 24/7; no need to pick coin SKUs or worry about segregated bins. When it’s time for distributions, you can liquidate or coordinate delivery through partners.

3) Crypto that behaves like a tool, not a casino

You can place straightforward market orders or set only buy/sell if price hits X. It’s not a day-trader’s charting playground, but it covers the practical stuff most retirement investors actually use.

Things I didn’t love about ITrustCapital

• It’s IRA-only. No taxable account option, no stocks/bonds. If you’re hoping to consolidate everything under one roof, this isn’t that.

• You won’t hold your own keys. That’s normal for IRAs, but if self-custody is your hill to die on, you won’t be happy here.

• Withdrawal timing can test your patience. Like most custodial IRA platforms, distributions and transfers are not instant. Plan especially around year-end or big market moves.

Who iTrustCapital actually fits

• You want crypto + metals in one IRA without juggling three portals.

• You care about fee clarity (and truly hate monthly maintenance charges).

• You don’t need millisecond execution or exotic order types.

• You’re okay with custodied assets (standard for IRAs) and just want a clean, reliable workflow.

Who should skip it: if you mainly buy individual coins/bars with numismatic preferences, want private keys, or need stocks/bonds in the same account, look elsewhere.

My step-by-step experience (short version)

1. Create account: Basic info + email verification.

2. Pick IRA type: Traditional, Roth, SEP, or inherited.

3. Fund it  Rollover/transfer or ACH. (Rollovers depend on the other institution. Don?t cut it close to deadlines.)

4. Trade? Crypto is a simple 1% fee; metals show the premium over spot before you confirm.

5. Track? The dashboard shows positions and history clearly; not the most advanced charts, but perfectly usable for retirement pacing.

Ratings & Reputation (as of Nov 2025)

• Trustpilot: ~5.0/5, 7k+ reviews (very active).?

• BBB profile: A+ rating, not BBB-accredited; some complaints note withdrawal timing.?

• Major roundups: Business Insider ranks iTrustCapital?Best for budget traders? in crypto IRAs (2025).

Note on review sites: trust, but verify. The broader market has seen manipulation of online reviews. That’s not an accusation toward iTrustCapital, just context for readers.

I have personally seen many companies, at least in the precious metals industry, game the online reviews platforms, so take any reviews you see online with a grain of salt. This video below was an eye opener for me, please watch it as well.

My real-world take (after poking around online reviews & actually using it)

I’ll be honest: my first pass at iTrustCapital started the same way a lot of folks in that old r/Bitcoin thread did, half curious, half?Is this going to torch someone’s 401(k)?? Back then, people were arguing about two things:

1. ?Not your keys, not your coins.?

2. Fees and friction.

So here’s how it shook out for me.

Is ItrustCapital a scam?
I didn’t get scam vibes. Years ago, one Redditor said they grilled an exec for 30 minutes and walked away satisfied. I did my own version of that support calls, slow, boring questions about custody, distributions, and who touches what and the answers were consistent. Not hypey. That’s all I want: boring competence.

On custody vs. self-custody.
I’m sympathetic to the hardware-wallet guys (I like self-custody too). But an IRA is a different animal. You’re trading key-control for tax treatment + beneficiary clean-up. For retirement money, I actually appreciate the trust wrapper: if I get hit by a bus, my wife doesn’t need to play Indiana Jones with seed phrases.

On fees (then vs now).
The old thread was from the $29.95/month + 1% trade? era. That made sense only if your balance was big enough. Today, the platform doesn?t charge a monthly fee; it?s 1% on crypto, and metals show a flat premium over spot (gold +$75/oz, silver +$3.25/oz)’t charge a monthly fee; it’s 1% on crypto and metals, with. That change alone fixes 80% of my past objections.

On rollovers and setup.
The Reddit crowd complained about transfers taking a couple of weeks. Same story for me: account creation is quick, rollovers depend on your old custodian. If you’re timing a market move to the hour, don’t. This is a retirement lane, not a day-trader runway.

On security + PII nerves.
One commenter was spooked by how much paperwork/ID the app asks for. Fair. Any IRA on U.S. rails will KYC you to the socks?SSN, ID images, statements, the works. My advice: use a password manager, enable 2FA (I prefer an authenticator app over SMS), and don?t do any of this on caf? Wi-Fi. Boring, but it matters.

On distributions and ?like-kind? exits.
A couple Redditors mentioned asking about in-kind distributions to a personal wallet. I asked the same. The answer: possible, with paperwork and timing. Most people just sell and take cash, but it?s good to know there?s a path if you?re adamant about self-custody later.

What finally convinced me.
Three things:

• Clarity (fees right up front, no monthly now).

• Metals done sanely (VaultChain + Royal Canadian Mint?no coin-catalog roulette).

• Role fit (this is retirement money; I want clean records, tax docs, and an adult in the room).

Who should skip it.
If your identity is welded to self-custody and you break out in hives at the phrase ?qualified custodian,? cool?this won?t convert you. If you need stocks/bonds in the same account, also not your tool.

Net: would I put a friend?s rollover here?
If they understand crypto?s risk and want crypto + simple gold/silver inside an IRA with no monthly fee and predictable trade costs?yes. If they want to YOLO trade altcoins on weekends and custody keys in a fireproof box?no. Different jobs, different tools.

My Take on the iTrustCapital App?

I?ve used the app myself and spent time digging through dozens of Trustpilot reviews from late 2025 to see if my experience lined up with others. Here?s what stood out, straight from real customers, not PR copy.

Smooth setup & human help behind the screen

Most reviewers said the Itrustcapital app is clean, simple, and not intimidating, even for seniors. I saw a lot of people thanking support reps by name (Romeo, Jett, Josh, Fuji, and a few others). One senior literally wrote, ?Thank God they had Jett walk me through on the phone.? That part made me smile because it matches my own experience. The onboarding might be heavy on documents, but there?s always someone real on the other end.

Support that actually calls you

Several users said they got a welcome call within minutes of signing up. Romeo seems to be a one-man onboarding machine, helping with everything from portal uploads to ACH delays. I?ve had similar support myself; they do follow up via text and even video calls to verify identity. It?s a little old-school, but it makes sense when you?re dealing with IRAs and compliance.

App design: basic but clear

The app UX feels straightforward, not flashy. One guy wrote, ?Amazing UX on the site and app. Excellent support.? That sums it up. You won?t find advanced charts or trading tools here, but you won?t get lost either. It?s meant for simple, occasional rebalances, not crypto day trading.

Speed and funding hiccups

Most people praised the fast response time, some said their forms were processed overnight, but a few pointed out ACH deposits can take up to a week to show up. One reviewer joked, ?A week, yes, seven days late. How long will distributions take a month?? That?s worth noting: it?s not instant money movement.

Security & verification

Several reviews mentioned how thorough the identity verification is photo IDs, DocuSign, video calls, the works. Some find it tedious; others said it made them feel their money was protected. Shawna from the U.S. summed it up best:

?I like the process of request through your customer portal followed by test and one-on-one video conference to confirm it?s you and your wishes.?
Honestly, that mirrors my own experience, a little extra friction, but in a good way.

From what I?ve seen and experienced, the iTrustCapital app does exactly what a retirement app should, no drama, no ?flash trading,? just smooth enough to move funds, check balances, and contact support. If you?re expecting Coinbase-level speed, you?ll be frustrated. But if you?re okay with a compliant, well-staffed system for your IRA, it works.

?iTrustCapital vs Alternatives

ITrustCapital Review: Pros & Cons

Pros

• No monthly fees; simple, transparent trade pricing.

• Both crypto and metals in one IRA; 24/7 trading.?

• Metals backed via Kitco + RCM with VaultChain? ledgering.

Cons

• IRAs only (no taxable brokerage), no stocks/bonds.?

• You don?t self-custody crypto keys (standard for IRAs).?

• Occasional withdrawal/communication complaints (BBB).?

Final Verdict (Should you use it?)

If your goal is a tax-advantaged, low-maintenance IRA holding BTC/ETH + simple gold/silver exposure, iTrustCapital is tough to beat on fee clarity and ease. If you want private keys, individual coins/bars selection, or non-IRA accounts, consider a metals-only provider like Augusta alongside a separate self-custody crypto plan.

ItrustCapital FAQs

Is iTrustCapital safe?
As safe as a custodied IRA platform can be: third-party qualified custodian, off-balance-sheet holdings, cold storage for crypto, and Royal Canadian Mint for metals. ?Safe? never removes market risk?especially with crypto.

What are the real fees today?
$0 monthly, 1% crypto trades, $75/oz gold, $3.25/oz silver, $75 for a Roth conversion. That?s it.

How fast can I start?
Account creation is quick; funding is the bottleneck. ACH is fast; rollovers depend on the other firm. Expect a few business days (or longer for some rollovers).

Can I take delivery of my metals?
Yes, distributions can be coordinated, just know it adds steps and time. Most IRA investors simply sell the position and withdraw cash.