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iTrustCapital calls itself the “#1 Crypto IRA Platform in America.” That’s the kind of claim that deserves some scrutiny rather than just acceptance. After a thorough look at how the platform actually works, what it costs, and what real customers experience, here’s what the picture looks like — for investors interested in cryptocurrency, precious metals, or both inside a tax-advantaged retirement account.
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Quick Company Snapshot
| Company | iTrustCapital |
| Founded | 2018 |
| Co-Founders | Blake Skadron (President) and Morgan Steckler |
| Headquarters | Irvine, California |
| Phone | (866) 308-7878 |
| info@itrustcapital.com | |
| Website | itrustcapital.com |
| Account Types | Traditional IRA, Roth IRA, SEP IRA; Premium Custody Accounts (non-IRA) |
| Crypto Assets | 90+ cryptocurrencies |
| Precious Metals | Gold and silver (IRA-eligible) |
What iTrustCapital Actually Is
iTrustCapital is a fintech service that allows its clients to invest in cryptocurrencies and precious metals in a self-directed IRA. The unique proposition of iTrustCapital is that users can buy and sell digital assets and precious metals using their tax-advantaged retirement accounts. It was established back in 2018 and has more than 250,000 funded accounts with over $14 billion in trading volume handled by the company.
The process is fairly straightforward: the user sets up an IRA on the website (either traditional, Roth, or SEP), funds the account via transfer or rollover from another source, and makes transactions in cryptocurrency or buys precious metals using their iTrustCapital interface. The processing speed is quite fast, and the trading platform works 24 hours a day. For those who need crypto inside their retirement account but do not want to use any specialized platforms for this purpose, iTrustCapital offers just that.
What iTrustCapital is not – a stockbroker or a platform for trading bonds. In other words, it is not a full-fledged investment management firm either.
Pros and Cons
Company Background
Blake Skadron and Morgan Steckler founded iTrustCapital in 2018. Skadron has around 20 years of experience in the industry and specializes in sales and management. Approximately half of his career has been dedicated to financial services; he currently holds the position of president within the firm. The platform was designed to bridge a perceived loophole in the current retirement system, which offered no affordable avenue to store cryptocurrencies in retirement accounts.
iTrustCapital began its operations in Encino, California, but later moved to Irvine. As opposed to being a financial organization, the platform operates as a software provider. It partners with licensed custodians and institutions offering asset storage services instead of holding customer funds in-house. There are some benefits to this business model, but it might be helpful to familiarize yourself with them before signing up for an account.
Products and Asset Selection
There have been many more cryptocurrencies added to the platform since its inception. Currently, it supports trading more than 90 cryptocurrencies, including the popular cryptos, Bitcoin, Ethereum, Solana, Cardano, Litecoin, Dogecoin, and a wide variety of DeFi coins and altcoins. Users can stake their ETH and SOL in the IRA itself and earn staking rewards. iTrustCapital charges a 22% fee for staking rewards, which is relatively high compared to other DeFi staking fees but is justified by the regulatory costs involved in staking within an IRA.
In terms of precious metals, the platform allows IRA-approved gold and silver trading. Prices are fixed at a markup above the spot price of the metal: currently, the markup is $125 above the spot price for gold and $10 above the spot price for silver (and $5 below spot price for silver). These are fixed markup fees, not percentages, which makes them more attractive in larger trades.
Available account types:
- Traditional IRA — pre-tax contributions; withdrawals taxed as income
- Roth IRA — after-tax contributions; qualifying withdrawals tax-free
- SEP IRA — higher contribution limits for self-employed individuals
- Premium Custody Account (PCA) — non-IRA taxable account for alternative assets
- Treasury Accounts — for businesses, trusts, and nonprofits
Our #1 Rated Pick
iTrustCapital handles gold and silver as a secondary offering. If physical precious metals in your IRA is the main goal, Noble Gold specializes in exactly that — with transparent fees and rollover guidance from start to finish.
Where iTrustCapital Fits — and Where It Doesn’t
The platform seems to be a good fit for those who really want their crypto within their retirement account and are willing to take the risk that comes with it. Cryptocurrencies are highly volatile, and there are taxes on withdrawing from a retirement account before reaching a certain age. Hence, someone who panics during a market crash will not be able to get out without incurring a penalty. This is definitely not something for everybody, and even iTrustCapital recognizes this.
The feature of purchasing precious metals seems practical enough but only a second-class one. The process is executed via Kitco, and the coins themselves are stored at the Royal Canadian Mint, so the infrastructure is reliable enough. However, if the investor is mainly interested in a gold or silver IRA, there are companies that specialize in this field and provide all the necessary information on how to roll over the money into such a fund.
In addition, iTrustCapital does not offer any traditional investments such as stocks, bonds, and exchange-traded funds, so it cannot be used as a full-fledged retirement account.
Who Should Consider iTrustCapital
A reasonable fit for:
- Investors who want direct crypto exposure inside a tax-advantaged IRA
- Those comfortable with the risks of cryptocurrency in a retirement account context
- Cost-conscious investors who want low fees without monthly charges
- Self-employed individuals looking at SEP IRA options for alternative assets
- Investors who want to combine crypto and precious metals in one account
Probably not the best fit for:
- Anyone who wants traditional stocks, bonds, or ETFs in the same account
- Investors who need hands-on guidance through the rollover process
- Those with less than $1,000 to start
- Investors who want the option to self-custody crypto during the IRA period
- People whose main goal is a physical gold IRA with personalized advice
For more context on how self-directed IRAs work before committing to a platform, the piece on self-directed IRAs is a good starting point. If you’re rolling over a 401(k), Gold IRA rollover pros and cons covers the mechanics and tax implications in more detail.
For investors comparing iTrustCapital specifically against other options in the crypto IRA space, BitcoinIRA and IRA Financial are the most commonly considered alternatives. And if precious metals are the priority, our broader review of gold investment companies includes dedicated IRA specialists like Augusta Precious Metals and American Hartford Gold that handle the metals side with more guidance.
Final Verdict
iTrustCapital is one of the more credible options in a niche that has had more than its share of questionable operators. The fee structure is genuinely transparent, the institutional custody arrangements are real, and the platform’s track record across 250,000+ funded accounts and $14 billion in transactions gives it more substance than most competitors launched around the same time.
The “#1 Crypto IRA Platform” claim is marketing, but the product it’s attached to isn’t smoke. The 1% transaction fee with no monthly costs is competitive. The 90+ crypto selection is broad enough to cover almost any mainstream strategy. The Coinbase Custody and Fireblocks custody infrastructure is as close to institutional-grade as the retail IRA space currently offers.
The caveats are real too. Crypto inside a retirement account carries its own set of risks that investors need to understand before committing. The 22% staking fee is steep. And for investors primarily interested in the precious metals side, the platform’s gold and silver offering works but isn’t its core strength. For a focused gold or silver IRA, a dedicated precious metals company will likely offer more guidance and customization.
Get Noble Gold’s Free 2026 Guide
If you’re comparing iTrustCapital for the metals side, Noble Gold publishes its fee structure upfront and walks every client personally through the IRA setup. No crypto exposure required.
- Phone : (866) 308-7878
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iTrustCapital is one of the leading Crypto IRA companies in the industry. It provides customers with an online platform to buy, and trade various cryptocurrencies and precious metals in a retirement account. The company utilizes Coinbase Custody to secure cryptocurrencies through its platform. Likewise, customers receive “Institutional Custody” with Curv. For those interested in precious metals, IRA-approved investment-grade silver and gold is available through the iTrustCapital platform. The Royal Canadian Mint provides storage services. No platinum or palladium is in the inventory.
Mohammed Saqib is a finance professional and CFA Level II Candidate with a Master of Finance from Wilfrid Laurier University. He specializes in financial content covering equities, alternative assets, precious metals, and capital markets.
