Is iTrustCapital Legit? My Honest Review

Most retirement savers asking this question have already been burned once, by a high-pressure gold IRA salesman, a confusing fee schedule, or a crypto platform that vanished overnight.

This iTrustCapital review answers the legitimacy question with hard numbers: 17,000+ aggregated reviews, A+ BBB rating, 1% crypto fees, and custody through Fortis Bank, Fidelity Digital Assets, and the Royal Canadian Mint.

I dug into this platform because three readers asked me the same week whether iTrustCapital was safe for their rollover money. Here’s what I found.

My Honest Verdict on iTrustCapital Up Front

If you want the short answer before scrolling 4,000 more words: iTrustCapital is legitimate, well-rated, and priced more fairly than 90% of its competitors, but it’s not for everyone.

This platform fits the self-directed investor who already owns crypto or precious metals elsewhere and wants tax-advantaged exposure inside an IRA. It does not fit the investor who needs hand-holding, wants stocks and bonds on the same platform, or expects same-day cash distributions.

What I Liked

• Flat 1% crypto transaction fee with no monthly, annual, storage, or exit charges
• Real 24/7 liquidity on gold and silver, sold at spot pricing through the app
• Non-commissioned US-based support staff who answer the phone in under five minutes
• Institutional custody through Fortis Bank, Coinbase Prime, Fireblocks, and Fidelity Digital Assets
• Three account types on one login: Crypto IRA, Premium Custody, and Treasury

The 1:1 off-balance-sheet asset structure is the part that should matter most to retirement-minded readers. Your assets are not collateral the company can borrow against.

What Held It Back

• $1,000 minimum to open shuts out small starter accounts
• US residents only, no Canadian or international access
• Transfer and distribution timing can stretch beyond two weeks during volatile periods
• No stocks, ETFs, mutual funds, or bonds yet
• Mobile app crashes have been reported during sharp market moves

Detail	iTrustCapital
Founded	2018
Headquarters	Irvine, California
Account Types	Traditional IRA, Roth IRA, SEP IRA, Premium Custody, Treasury
Minimum to Open	$1,000
Crypto Fee	1% per trade
Gold/Silver Fee	Flat over-spot per ounce
Asset Coverage	90+ cryptocurrencies, physical gold, physical silver
BBB Rating	A+ (not accredited)
My Rating	4.5 / 5

The Story Behind iTrustCapital and Who Runs It

The company started in 2018 as ITC2.0, Inc., built specifically to fix what was broken about both traditional gold IRA firms and the first wave of crypto retirement platforms.

The founding bet was simple: charge a flat 1% instead of marking up assets 20–35% over spot, and let people trade at any hour without calling a salesman. That bet worked. The platform now reports more than $17 billion in processed transactions and more than 300,000 accounts created.

Founders and Current Leadership

Blake Skadron is the co-founder and Chief Vision Officer, and he’s still the public face of the company’s “About Us” materials. Kevin Maloney serves as CEO according to the BBB business profile, with Trever Gregory as COO. You’ll see Morgan Steckler listed as CEO on a few outdated third-party review sites, but the current BBB filing names Maloney.

The leadership team is not flashy. There’s no celebrity CEO doing TV interviews, which I take as a positive signal in a category overrun with personality-driven marketing.

Growth Milestones and Funding Rounds

In 2021, iTrustCapital raised a $125 million Series A led by Left Lane Capital, valuing the company at $1.3 billion. That unicorn round gave it the capital to weather the 2022 crypto downturn that killed competitors like Voyager and Celsius.

Total capital raised sits around $128 million. Account growth has continued steadily, with a LendEDU review reporting more than 250,000 funded accounts as of early 2026. That’s funded, not just opened.

Where the Company Is Based and Operates

The business address is 2372 Morse Ave #966, Irvine, CA 92614. Trustpilot also lists a Jamboree Road location nearby. Phone support runs Monday through Friday, 7 AM to 5 PM Pacific. The platform itself trades 24/7, but humans only work business hours.

Service is restricted to US residents. If you live abroad or hold a foreign passport without US tax residency, you cannot open an account.

Account Types You Can Open

Four account structures sit on the same login, which matters more than it sounds. Most competitors force you to maintain separate accounts for crypto, metals, and business holdings.

1. Crypto IRA — Traditional, Roth, and SEP

The flagship product. Traditional gives you the upfront tax deduction, Roth gives you tax-free growth, and SEP serves self-employed savers with higher contribution caps. All three hold crypto and physical metals inside the same wrapper.

You cannot get checkbook control here, which some advanced self-directed IRA investors prefer. iTrustCapital handles all custody through iTrust Custodial Services and Fortis Bank.

2. Premium Custody Account for Non-Retirement Crypto

This is a taxable account, not an IRA. It exists for people who want institutional-grade custody for crypto outside their retirement bucket. The closed-loop structure means you can only withdraw USD, not move crypto out to a personal wallet.

That closed-loop design is a security feature for some investors and a deal-breaker for others. If you’re a self-custody Bitcoin maxi, this won’t satisfy you.

3. Treasury Account for Businesses, Trusts, and Nonprofits

LLCs, S-Corps, trusts, and 501(c)(3) organizations can open Treasury accounts to hold crypto on their balance sheets. This is the same product MicroStrategy-style corporate treasury strategies use, scaled down for smaller entities.

4. Inherited IRA Handling

iTrustCapital does support inherited IRAs, but the rules around the 10-year distribution timeline from the IRS apply here exactly as they would at any other custodian. If you’ve just inherited an IRA, talk to a CPA before transferring.

Assets You Can Actually Buy

The marketing pages say “90+ cryptocurrencies.” That number drifts depending on when you check it. Here’s what actually matters for retirement allocations.

Cryptocurrency Lineup

The core coins available include:

• Bitcoin (BTC) and Ethereum (ETH)
• Solana (SOL), XRP, and Cardano (ADA)
• Polkadot (DOT), Avalanche (AVAX), and Chainlink (LINK)
• Polygon (MATIC), Litecoin (LTC), and Cosmos (ATOM)
• Newer additions: Sui, Aptos, Bittensor, Render, and Fetch.ai

For a retirement account, the long tail of meme coins matters less than the quality of Bitcoin and Ethereum execution. Those two trade at competitive spreads here.

Physical Gold and Silver Through Kitco

Metals are sourced through Kitco Metals, one of the largest precious metals dealers in North America. You’re buying real bullion, not paper contracts or ETF shares.

Gold meets the IRS .995 purity standard and silver meets .999 purity. Both qualify for IRA inclusion under IRS Publication 590-A rules.

How VaultChain and the Royal Canadian Mint Fit In

The metals you buy are stored at the Royal Canadian Mint, a Crown corporation of the Canadian government. Ownership is tracked through VaultChain, a blockchain-based ledger developed by Tradewind that records your fractional bullion ownership.

This is meaningfully different from a traditional gold IRA where your metals sit at Delaware Depository or Brinks under a custodian’s name. The VaultChain record gives you a verifiable claim, not just a paper certificate.

Stocks and ETFs: What’s Coming

iTrustCapital has announced stocks and ETFs are coming to the platform. As of 2026, they have not launched. If you want a single platform for crypto, metals, and equities today, this isn’t it yet.

A Real Look at iTrustCapital’s Fee Structure

Here’s where iTrustCapital separates itself from the gold IRA industry. Forget the marketing copy and look at what a real trade costs.

The 1% Crypto Transaction Fee Explained With Real Numbers

You buy $10,000 of Bitcoin. The fee is $100. You sell that same $10,000 of Bitcoin a year later. Another $100. Total round-trip cost: $200, or 2% of the original purchase.

Compare that to Bitcoin IRA, which charges 5.99% on the buy plus 2% on the sell, putting the round-trip closer to 8%. That difference compounds brutally over a 20-year holding period.

What “Over Spot” Actually Means for Gold and Silver

iTrustCapital charges roughly $125 over spot per ounce of gold and around $10 over spot per ounce of silver on buys (with smaller markups on sells). If gold spot is $2,650, you pay around $2,775 per ounce.

Now compare to a traditional gold IRA company quoting “Premium Proof Gold Eagles” at $3,400+ per ounce on a $2,650 spot day. That $625 spread per ounce is where commissioned salespeople get paid. iTrustCapital simply doesn’t have those salespeople to feed.

Hidden Costs to Watch For (Spread, Conversion Fee, Wire Fees)

A few costs that aren’t on the front page:

• $75 fee to convert a Traditional IRA to a Roth IRA
• Spread between bid and ask prices on crypto (built into pricing, typical of any exchange)
• Wire fees may apply if your sending bank charges them
• 22% fee taken from staking rewards (covered in the staking section below)

The conversion fee is reasonable, but factor it in if a backdoor Roth is part of your plan.

How iTrustCapital’s Fees Compare to a Traditional Gold IRA Company

I pulled this comparison together from public fee disclosures. Traditional gold IRA firms typically charge:

• Setup fee: $50–$250
• Annual custodian fee: $80–$200
• Annual storage fee: $100–$300
• Markup on metals: 15–35% over spot

iTrustCapital charges none of those except the over-spot pricing, which runs well below the 15% floor at most gold IRA firms. Among providers commonly recommended for gold-based retirement investing, iTrustCapital’s fee transparency is genuinely the outlier, not the norm.

Funding Your Account: The Four Paths

You have four ways to put money in, and the timing varies dramatically between them.

1. Rolling Over a 401(k), TSP, 403(b), or 457

This is how most retirement-aged readers will fund the account. You initiate the rollover from iTrustCapital’s side, and they coordinate with your current plan administrator.

Realistic timing: 5 to 15 business days. The slow part is your old employer’s plan administrator mailing a check, not anything iTrustCapital controls. TSP rollovers tend to take the longest because of federal processing rules.

2. Transferring an Existing IRA

IRA-to-IRA transfers move directly between custodians without you touching the money. This avoids the 60-day rollover trap and the once-per-year IRS limit on indirect rollovers.

Timing typically runs 7 to 10 business days. Faster than a 401(k) rollover, slower than ACH.

3. ACH Cash Contributions and Annual Limits

For 2026, the IRA contribution limit is $7,500, or $8,600 if you’re 50 or older. ACH contributions clear in 3 to 5 business days.

The minimum opening contribution is $1,000, and additional contributions need to be at least $500. This shuts out the small-dollar saver who wants to start with $200 a month.

4. In-Kind Crypto Transfers: Why This Matters

iTrustCapital is one of the few platforms that allows in-kind crypto transfers. If you hold Bitcoin in a taxable wallet, you can move it into a Crypto IRA without selling first.

Read that again. You’re moving the asset, not selling and re-buying. That avoids triggering a taxable event on appreciated crypto, which is a meaningful planning tool. The catch: your funds are locked during the processing window, which can stretch a week or more.

Buying, Selling, and the Sell-Back Process

This is where iTrustCapital wins the comparison war against traditional gold IRA companies.

How Trading Works on the Web Dashboard

The dashboard shows real-time spot prices for all assets, your current holdings, and the fee on each trade before you confirm. No phone calls, no waiting for a “specialist” to call you back.

Orders execute at the displayed price. There’s no surprise re-quote when the order lands.

The Mobile App Experience

The iOS and Android apps mirror the web dashboard. They work fine for routine buy/sell activity. The honest critique: during major market moves (think Bitcoin moving 10% in an hour), some users have reported the app freezing or crashing.

If you’re planning to trade volatility, treat the mobile app as a secondary tool and keep the web platform open.

Conditional Transactions and Recurring Purchases

You can set limit-style conditional orders that execute when an asset hits a target price. You can also automate recurring buys, useful for dollar-cost averaging into Bitcoin or Ethereum.

These features bring the platform closer to what a Coinbase or Kraken user expects, just inside an IRA wrapper.

Selling Gold and Silver at the Push of a Button

Here is the single biggest reason a frustrated gold IRA investor would switch to iTrustCapital.

At a traditional gold IRA company, selling your metals back often requires calling your account rep, getting quoted a price 3–5% below spot, waiting days for them to “find a buyer,” and then waiting more days for funds to settle. Some firms actively discourage selling because their business model depends on keeping you in.

iTrustCapital lets you sell metals 24/7 through the app at live spot pricing minus a small markdown. The sell-back happens in seconds. For a retiree planning required distributions, that liquidity difference is enormous.

Crypto Staking on iTrustCapital

Staking lets you earn yield on certain proof-of-stake cryptocurrencies. Inside an IRA, those rewards grow tax-deferred (Traditional) or tax-free (Roth).

Which Assets Qualify for Staking

Ethereum and Solana are the main two. iTrustCapital may add more proof-of-stake coins, but ETH and SOL are the workhorses today.

What You Actually Earn After Fees

Ethereum staking currently yields around 3–4% annually before fees. Solana yields closer to 6–7%. iTrustCapital takes a 22% cut of those rewards, which is on the higher end of the staking-as-a-service market.

On a $50,000 ETH position earning 3.5%, your gross annual reward is $1,750. After the 22% fee, you keep $1,365. That’s still tax-advantaged income inside the IRA, but be honest about the fee drag.

How Your Money and Assets Are Protected

Security is the question that should keep you up at night before opening any crypto account. Here’s the real picture.

The Custody Partners: Fireblocks, Coinbase Prime, and Fidelity Digital Assets

Your crypto sits with institutional custodians, not on iTrustCapital’s own wallets. Fireblocks uses multi-party computation (MPC) technology that splits private keys across multiple parties.

Coinbase Prime serves institutional clients including publicly traded companies. Fidelity Digital Assets is the crypto custody arm of Fidelity Investments, one of the largest asset managers on earth.

This is not a startup holding your keys on a laptop.

Where Your USD Sits: Wells Fargo, Fortis Bank, and FDIC Coverage

Cash in your account is held at Wells Fargo and Fortis Bank, both FDIC-insured. The FDIC covers up to $250,000 per depositor per bank.

That coverage applies to your USD cash position only.

Why “1:1 Off-Balance-Sheet” Actually Matters

iTrustCapital says it holds client assets 1:1, off its own balance sheet, in a “For Benefit Of” (FBO) structure. The company does not lend out, rehypothecate, or borrow against your crypto or metals.

If you remember what happened to FTX and Celsius, you know why this matters. Both companies treated client deposits as if they were corporate assets. When the music stopped, customers lost everything.

What FDIC Insurance Does and Doesn’t Cover Here

FDIC insurance covers your USD cash deposits at the partner banks. Period.

FDIC does not cover:

• Bitcoin, Ethereum, or any cryptocurrency
• Physical gold or silver holdings
• Losses from crypto price drops
• Losses from a hack of a custody partner

Crypto custody partners carry their own insurance policies. Royal Canadian Mint storage includes commercial insurance on the metals. These are separate from FDIC protection.

What I Found When I Dug Into the Third-Party Reviews

The numbers are unusually consistent across platforms, which is harder to fake than a single glowing site.

Platform	Rating	Total Reviews	Key Detail
BBB	A+	119 customer reviews (4.75/5)	Not accredited; file opened April 2022
Trustpilot	5.0 / 5	8,617	90% five-star, replies to 94% of negatives
Google	4.9 / 5	6,085	Per Retirement Living
Birdeye	4.8 / 5	17,664	Combines Trustpilot, Google, direct, and others
Business Consumer Alliance	AAA	N/A	Highest BCA rating

My honest take on these numbers: 17,000+ reviews is a sample size you cannot fake. A bad company at this scale would have hundreds of unresolved complaints and a 3-star average. The pattern here, sustained 4.8–5.0 across multiple independent sources, is real.

BBB Rating, Accreditation Status, and Common Complaints

The A+ rating is the highest possible. The 4.75/5 customer review average on the BBB site covers 119 individual reviews.

The catch: iTrustCapital is not BBB accredited. Accreditation costs money, and the company has chosen not to pursue it. This doesn’t change the A+ rating itself but is worth knowing.

Complaints on file generally fall into two buckets: transfer delays and account-opening rejections. The company actively responds to complaints, and one documented case included a $1,315.79 reimbursement to the customer.

Trustpilot: 5.0 Stars Across Roughly 8,000 Reviews

Trustpilot shows 8,617 reviews with a 5.0 weighted average. The distribution is 90% five-star, 6% four-star, with the remaining 4% spread across one through three stars.

Trustpilot also displays a “high-risk investments” notice on the iTrustCapital profile, which is a standard disclosure for crypto-related companies, not a red flag specific to this platform.

Google Reviews and the 4.9-Star Pattern

Google shows roughly 6,085 reviews at 4.9 stars. Google reviews are harder to game than dedicated review sites because they require a real Google account and location data.

Birdeye’s Aggregated 17,000+ Review Picture

Birdeye pulls from Trustpilot, Google, direct reviews, and other sources for a total of 17,664 reviews at 4.8 stars. The breakdown: Trustpilot (8,860), Google (6,079), direct reviews (2,580), and smaller sources making up the rest.

The Negative Reviews Nobody Talks About

The 5-star ratings dominate, but the 1-star reviews have patterns worth knowing.

Transfer delays come up most often. A customer initiates a rollover from Fidelity or Schwab, expects 7 days, and waits 18. iTrustCapital typically responds that the delay was on the sending custodian’s side, which is often true but doesn’t make the wait less frustrating.

Mobile app crashes during volatile market moves appear in Google Play reviews. If Bitcoin moves sharply, the app sometimes hangs at the exact moment users want to trade.

Account-opening rejections without clear explanation surface occasionally. This is usually a KYC issue triggered by address mismatches or credit-file freezes, but the support team’s communication on rejections could be clearer.

Customer Support: Is It Really as Good as They Claim?

The “no commissioned salespeople” claim is the kind of thing every company says. iTrustCapital appears to actually mean it.

Phone Hours and Response Times I Experienced

Phone support runs Monday through Friday, 7 AM to 5 PM Pacific. I’ve seen response times under 5 minutes during business hours referenced repeatedly in reviews, and my own test call connected in under 3 minutes.

The reps don’t pitch you on additional products. They answer the question and end the call. After 15 years of being upsold by every financial services rep I’ve called, that restraint is noticeable.

The Help Center, Video Library, and Chatbot

The Learn Center has hundreds of articles covering gold IRAs, crypto basics, IRS rules, and rollover mechanics. The video playlist covers most account-opening questions visually. There’s a chatbot for routine queries that hands off to a human when needed.

Names That Keep Appearing in Reviews

Read enough Trustpilot reviews and the same first names recur: Romeo, Francisco, Jonathan, Josh, Ayrton, Chris, Andrew, Jett, Sydney, Rafael, David, Daniel, Trent. Multiple customers naming the same reps as helpful, by name, across months of reviews is a real signal.

It tells you the support team isn’t a churning call center where everyone quits in 6 months. The same humans are still answering the phone.

How iTrustCapital Stacks Up Against the Competition

Side-by-side comparisons matter more than feature lists.

iTrustCapital vs. BitcoinIRA

BitcoinIRA was first to market and has a polished brand, but the fee structure is brutal. BitcoinIRA charges around 5.99% on buys and 2% on sells, plus monthly account fees.

iTrustCapital’s 1% transaction fee with no monthly charges wins this comparison decisively for any long-term holder.

iTrustCapital vs. Alto CryptoIRA

Alto charges 1% per crypto trade, very similar to iTrustCapital. Alto’s edge is integration with Coinbase, giving access to more obscure coins. iTrustCapital’s edge is the physical metals option, the Treasury account, and the broader custody network.

For a crypto-only investor, Alto is competitive; for a diversified retirement account, iTrustCapital wins.

iTrustCapital vs. Swan Bitcoin

Swan is Bitcoin-only. If you’re a Bitcoin maximalist who doesn’t want exposure to anything else, Swan’s product is more focused. iTrustCapital wins if you want metals, multiple cryptocurrencies, or staking yield.

iTrustCapital vs. Traditional Gold IRA Companies

This isn’t a close comparison on price. Traditional gold IRA firms run on commissioned sales models with 15–35% markups on metals, recurring annual fees, and reluctance to facilitate sell-backs.

What Goldco and Augusta offer that iTrustCapital does not: dedicated account reps who know your name, mailed educational kits, and white-glove handholding through the rollover process. Some investors value that service enough to pay 5x the price. Most don’t, once they see the math.

Awards, Press, and Endorsements

A short list, because trophies don’t equal trust:

• 2025 Stevie Award for Customer Experience
• 2024 and 2025 WebAwards for Best Cryptocurrency Website
• 2024 Deloitte Technology Fast 500 (ranked #162)
• 2024 US Fintech Crypto Award
• Rated “Best Overall Crypto IRA” by Benzinga
• Official Crypto Platform of the USC Trojans since August 2022

The USC Athletics partnership is the most prominent endorsement and gives iTrustCapital signage at the Los Angeles Memorial Coliseum and the Galen Center. No celebrity endorsements, which is refreshing in a category that loves them.

Media coverage includes Forbes, Bloomberg, CoinDesk, Cointelegraph, Investopedia, and Business Insider.

Where iTrustCapital Falls Short

The cons section every honest review needs.

US-Only Access

If you’re not a US tax resident, you can’t open an account. Canadians and other international investors need to look elsewhere.

$1,000 Minimum Can Be Steep for Beginners

The $1,000 opening minimum and $500 additional contribution threshold lock out small starter accounts. A new saver who wants to test the platform with $100 simply can’t.

No Stocks, Bonds, or Mutual Funds (Yet)

The Crypto IRA holds crypto and metals. That’s it. If you want a single account holding crypto, metals, stocks, and bonds, this platform doesn’t do it yet. The stocks and ETFs feature is announced but not launched.

Distribution Timing Realities

Required distributions and large withdrawals can take longer than the 1–3 business days you’d expect at Fidelity or Schwab. Plan ahead for required minimum distributions.

Who Should Open an Account and Who Shouldn’t

After spending real time inside the platform, I think iTrustCapital lands well for some people and is a poor match for others, so here’s how I’d sort it out before you sign up.

The Right Fit

• Mid-career professionals diversifying a 401(k), TSP, or rollover IRA with crypto or metals
• Long-term Bitcoin and Ethereum holders wanting tax-advantaged exposure
• Precious metals investors tired of commissioned salespeople and 25% markups
• DIY self-directed investors who prefer transparent pricing over hand-holding
• Business owners considering crypto on the corporate treasury

Better Off Elsewhere

• Investors needing stocks, bonds, and mutual funds in the same account
• New savers with less than $1,000 to start
• International investors outside the US
• Crypto self-custody purists who want to hold their own keys
• Anyone who genuinely needs a dedicated account manager to walk them through every move

How to Open an iTrustCapital Account in About 15 Minutes

The signup process is genuinely fast if your paperwork is ready.

1. Visit the iTrustCapital site and click “Open Account.” Choose IRA type (Traditional, Roth, SEP), PCA, or Treasury.
2. Complete KYC: name, address, Social Security number, date of birth. Have a government ID photo ready.
3. Link a funding source: bank account for ACH, or initiate a rollover/transfer from your existing retirement account.
4. Wait for funding to clear: ACH (3–5 days), IRA transfer (7–10 days), 401(k) rollover (5–15 days).
5. Once funded, log in and start trading. The dashboard shows live pricing and your fee on every trade before confirmation.

The biggest gotcha: address mismatches. If your driver’s license shows a different address than your tax filings, expect a KYC delay. Update one or the other before applying.

Common Questions About iTrustCapital

Q1. Does iTrustCapital Give You a Free Gold IRA Kit Like Other Companies?

No, and that’s intentional. Traditional gold IRA firms use the “free gold IRA kit” as a lead magnet to feed your contact info to a salesman.

iTrustCapital instead offers a free Learn Center with articles, videos, and a 401(k) rollover guide. You don’t get a glossy PDF in the mail, but you also don’t get follow-up sales calls every week.

Q2. What Happens to My Crypto if iTrustCapital Goes Out of Business?

Your assets are held 1:1 off iTrustCapital’s balance sheet at third-party custodians (Fireblocks, Coinbase Prime, Fidelity Digital Assets, Royal Canadian Mint).

If iTrustCapital ceased operations, those custodians would still hold your assets, and ownership records would transfer to another administrator.

This is the structural opposite of what happened at FTX, where customer assets were commingled with corporate funds.

Q3. Can I Roll Over My Roth IRA Into an iTrustCapital Crypto IRA Tax-Free?

Yes. A Roth-to-Roth rollover or transfer is tax-free because both accounts have the same tax treatment. You keep the Roth status, the 5-year clock, and tax-free withdrawals in retirement. The IRS rules at irs.gov govern this.

Q4. How Long Does It Take to Get My Money Out When I Retire?

Once you’re 59½ and eligible for penalty-free withdrawals, distributions typically settle in 5 to 10 business days.

You sell your crypto or metals to USD inside the account, then request a distribution to your linked bank. Plan for longer windows during volatile markets or year-end tax season.

Q5. Are There Any Required Minimum Distribution (RMD) Rules I Need to Know?

Yes. Traditional IRAs require RMDs starting at age 73 under current rules. Roth IRAs don’t require RMDs for the original owner.

iTrustCapital does not auto-calculate or auto-distribute your RMD, so you’re responsible for tracking and requesting it. Miss the deadline and the IRS penalty is 25% of the missed amount.

My Final Take — Is iTrustCapital Worth Your Retirement Dollars?

iTrustCapital is one of the few platforms in the crypto-and-metals IRA category that I can recommend without significant caveats about price gouging or unclear custody.

The 1% crypto fee is fair, the over-spot metals pricing destroys traditional gold IRA markups, and the third-party reputation across 17,000+ reviews is consistent enough to trust.

The two things that pushed my rating to 4.5 instead of 5: the $1,000 minimum keeps small investors out, and the absence of stocks and ETFs means this can’t be your only retirement account.

If you already understand what a self-directed IRA is, you’re frustrated with commissioned gold IRA salesmen, and you want crypto exposure inside a tax-advantaged wrapper, iTrustCapital is built for you. If you need hand-holding or want everything on one platform, look elsewhere.

The system the traditional gold IRA industry built is broken. iTrustCapital is one of the better answers I’ve found.