The iTrustCapital Crypto IRA is a self-directed individual retirement account (SDIRA) platform that allows investors to trade cryptocurrencies and physical gold or silver tax-advantaged. It enables 24/7 self-directed trading directly through institutional custodians like Fortress Trust and Coinbase Custody with a flat 1% transaction fee.
iTrustCapital Platform Overview
| Feature | Details |
| Account Types | Traditional IRA, Roth IRA, SEP IRA, Rollover |
| Trading Fee | 1% per crypto transaction |
| Precious Metals Fee | $50 over spot per oz (Gold), $2.50 over spot per oz (Silver) |
| Monthly Account Fee | $0 |
| Account Minimum | $1,000 initial deposit |
| Custody Providers | Coinbase Custody, Fortress Trust, Fireblocks |
| Supported Assets | 35+ cryptocurrencies, physical gold and silver |
How to Open an iTrustCapital Crypto IRA Account
- Go to the account registration page and submit your name, email address, and password to initialize profile creation.
- Select your account structure: Traditional IRA (pre-tax dollars), Roth IRA (post-tax dollars), or SEP IRA (self-employed).
- Complete the online Identity Verification (KYC) by providing your legal name, Social Security Number, photo ID, and residential address.
- Fund your account using an IRA-to-IRA transfer, 401(k) rollover, or a direct cash contribution via wire or ACH ($1,000 initial minimum).
- Access the trading dashboard once funds clear to execute 24/7 instant crypto or precious metal transactions.
For the latest information on cashing out and withdrawal-related options, visit the official Trust Wallet Help Center
iTrustCapital Fee Structure and Minimums
| Cost Category | Fee Amount | Notes |
| Account Maintenance | $0 / month | No recurring subscription fees |
| Minimum Initial Deposit | $1,000 | Required to activate trading |
| Minimum Asset Purchase | $30 | Applies to individual trades |
| Crypto Trading Fee | 1.0% per trade | Calculated on total trade volume |
| Gold Trading Fee | $50 / oz over spot | Physical gold held in institutional vaults |
| Silver Trading Fee | $2.50 / oz over spot | Physical silver held in institutional vaults |
| Outgoing Wire Fee | $25 | Applied to cash withdrawals or transfers |
iTrustCapital vs. Alternative Crypto IRAs
| Platform Feature | iTrustCapital | Choice by Kingdom Trust | Bitcoin IRA |
| Monthly Fee | $0 | $0 – $13.75/mo | $0 (High setup fees) |
| Transaction Fee | 1% | 0.75% – 1% | 1% – 2% + asset spread |
| Setup Fee | $0 | $0 | Up to 5.99% |
| Asset Variety | 35+ Cryptos, Gold, Silver | 30+ Cryptos, Stocks | 60+ Cryptos |
| Institutional Custody | Coinbase Custody, Fireblocks | Kingdom Trust | BitGo Trust |
Common Operational Delays and Troubleshooting Steps
Account transfers and trade executions can occasionally encounter processing bottlenecks due to custodian delays or incomplete documentation.
Deposit or Rollover Delays
Direct IRA transfers typically take 1 to 3 weeks depending on the releasing custodian. To resolve a stalled transfer:
- Contact the releasing custodian to verify if an original Medallion Signature Guarantee is required.
- Confirm that the transfer paperwork explicitly lists the correct institutional custodian name (e.g., Fortress Trust LLC fbo [Your Name] IRA).
- Check the transaction status tab inside the portal to upload any missing statement documentation.
Trade Execution Errors
If an order fails or shows a “Pending” status for longer than 60 seconds:
- Check available USD settlement cash to ensure fees are fully covered.
- Refresh browser storage or clear cache to ensure real-time API price feeds update properly.
- Submit a direct ticket through the client dashboard if order settlement stalls during high-volatility market windows.
If you’re also exploring how crypto can be used within a retirement account, read our Crypto IRA Complete Guide for more information.
Frequently Asked Questions
Ans: The initial deposit minimum to open and start trading on the platform is $1,000. After meeting this threshold, subsequent additions or asset purchases can be made with a lower minimum of $30 per transaction across all supported digital assets and precious metals.
Ans: The initial deposit minimum to open and start trading on the platform is $1,000. After meeting this threshold, subsequent additions or asset purchases can be made with a lower minimum of $30 per transaction across all supported digital assets and precious metals.
Ans: Yes, funds can be transferred tax-free using a direct custodian-to-custodian transfer or rollover. When moving assets directly from an existing Traditional IRA, Roth IRA, or former employer 401(k), the capital retains its tax-deferred or tax-free status without incurring early distribution taxes or penalties.
Ans: Digital assets are held with institutional-grade custody providers like Coinbase Custody and Fireblocks. Funds are held off the platform balance sheet in cold storage facilities utilizing multi-signature protocols and SOC 2 Type II certified security standards, backed by commercial insurance coverage options.
Ans: A flat 1% transaction fee applies to every cryptocurrency buy or sell order. Unlike traditional crypto exchanges that charge variable taker/maker tiers or platforms with recurring monthly maintenance costs, there are no ongoing monthly subscription charges or hidden asset spread markups.
Ans: Investors can open Traditional IRAs, Roth IRAs, SEP IRAs, and direct rollover accounts. Traditional IRAs utilize pre-tax contributions for deferred growth, Roth IRAs provide tax-free growth and distributions, and SEP IRAs accommodate higher contribution limits for self-employed individuals and small business owners.
