Pros, Cons, and Who Can Set up an Account

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Account Minimum

$1,000 ($500 minimum additional contribution)

Investment Types

Cryptocurrencies and precious metals

iTrustCapital iTrustCapital

Account Minimum

$1,000 ($500 minimum additional contribution)

Investment Types

Cryptocurrencies and precious metals

On iTrustCapital’s website

Account Minimum

$1,000 ($500 minimum additional contribution)

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Overall rating

Is iTrustCapital right for you?

Founded in 2018, iTrustCapital is an SDIRA platform that lets you invest in IRAs with alternative assets like cryptocurrencies, silver, and gold. The platform offers multiple IRA types — including traditional, Roth, SEP, and SIMPLE IRAs — and it allows for crypto staking rewards of up to 9.5%.

However, keep in mind that you can only stake one cryptocurrency (polkadot), and you’ll only be able to fund your IRA with US dollars.  

iTrustCapital vs. Bitcoin IRA

iTrust Capital and Bitcoin IRA both offer exposure to cryptocurrencies and precious metals. But iTrustCapital is the better choice for investors in search of silver and account options like staking. 

Bitcoin IRA only offers cryptocurrencies and gold, but iTrustCapital offers cryptocurrencies, gold, and silver. iTrustCapital is also the cheaper option when it comes to transaction fees, but Bitcoin IRA is best for cryptocurrencies and automated features. It offers more than 60 crypto assets, and its Saver IRA allows for automated contributions. 

iTrustCapital vs. CoinIRA

As mentioned above, you’ll like iTrustCapital if you want access to both cryptocurrencies and precious metals. CoinIRA solely offers cryptocurrencies.

In addition, iTrustCapital may be a better choice if you want access to a slightly wider selection of cryptocurrencies; CoinIRA only offers 20 cryptocurrencies, while iTrustCapital offers 30.

Ways to invest with iTrustCapital


If you’re looking to invest toward retirement with alternative investments like cryptocurrencies and precious metals, iTrustCapital’s SDIRA could be right for you. You can rollover funds from existing retirement accounts, including 401(k)s, 403(b)s, thrift savings plans, SEP IRAs, SIMPLE IRAs, 457 plans, and more. 

As for its crypto selection, it offers the following: Bitcoin, ethereum, cardano, chainlink, polkadot, litecoin, dogecoin, bitcoin cash, stellar, EOS, uniswap, compound, sushi,, polygon – matic, aave, solana, curve dao, basic attention, enjin, algorand, cosmos, tezos, maker, shiba inu, and decentraland.

You’ll pay 1% per crypto transaction, and you can buy these assets 24/7. This is a competitive fee, given that some SDIRA platforms charge up to 2.5% per crypto transaction. And as for security, iTrustCapital offers $320 million in insurance.

It also offers custodial cold wallets. It specifically secures your cryptocurrencies through institutional-grade, offline storage. However, this could be a downside for investors in search of non-custodial wallets. With this platform, the custodian controls the keys to your crypto balances.


iTrustCapital also offers another feature that many SDIRAs don’t: staking. Staking is a way to passively build crypto wealth. With this process, you buy a set amount of crypto and lock it up for a certain period to earn rewards.

You can stake for 90 days through the platform, and you can earn up to 9.5% interest, though returns aren’t guaranteed. But there are two drawbacks to consider if you’re thinking of utilizing this feature at iTrustCapital. For one, you’ll have to pay a 20% staking fee. The other thing to look out for is that you can only stake one asset at this time: polkadot (DOT).

You can currently stake a minimum of five DOT. As of November 11, 2022, DOT’s price sits at more than $5. Therefore, you’ll need more than $25 to start staking.

Precious metals

If you want to take the metals investing route, you can also invest in physical gold and silver. As for fees, gold costs $50 over spot per ounce. Silver costs $2.50 over spot per ounce. 

iTrustCapital: Is it trustworthy?

The Better Business Bureau gives iTrustCapital an A- rating. This is a high rating, since the bureau’s ratings range from A+ to F. 

The BBB reviews several factors when evaluating businesses. These include type of business, time in business, customer complaint history, licensing and government actions, advertising issues, and more. However, its ratings don’t guarantee that a company will be reliable or perform well. 

This is why it’s important to do your due diligence before opening an account with a business. Plus, it’s equally crucial to research a company’s legal history. iTrustCapital’s slate is clear of any lawsuits, scandals, or security breaches.

It has closed two complaints in the last 12 months, according to its BBB profile.

iTrustCapital — Frequently asked questions (FAQ)

iTrustCapital only insures funds you hold in USD. Its FDIC insurance doesn’t apply to cryptocurrencies or precious metals. 

No. iTrustCapital charges a 1% fee for crypto transactions. You’ll pay $50 over spot per ounce for physical gold and $2.50 over spot per ounce for physical silver.

Todd Southwick is the CEO of iTrustCapital. 

iTrustCapital says it maintains a business continuity plan with its custodian to address such a situation. If this were to occur, you would still retain ownership of your assets; however, you’d be required to transfer those funds to another custodian.

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