iTrustCapital Reviews – Is It The Best Crypto IRA? (Updated 2023)

iTrustCapital is a crypto IRA company based in Irvine, California. Founded in 2018, the company has garnered around 2000 positive reviews across multiple consumer platforms. Their platform has more than $6 million in transactions. The company offers popular cryptocurrencies and physical gold & silver to clients to invest in. However, their selection of cryptocurrencies is rather limited.
Fees & Charges
Honesty & Transparency
Customer Service
Product Selection
Experienced leadership
24/7 accessible platform
Offer gold and silver
Mixed reviews of mobile app
Limited number of cryptocurrencies offered
Expert Score

What is iTrustCapital?

 iTrustCapital is a crypto IRA provider based in Irvine, California. Their office is located at 18575 Jamboree Rd, Irvine, CA 92612. Similarly, their contact number is 562-600-8437. 

The company has been in the industry since 2018 and claims to be the world’s largest crypto IRA platform with more than $6 billion in transactions. 

They allow investors to set up self-directed IRAs focused on cryptocurrencies in a few easy steps. Their investment platform allows you to buy and sell many popular cryptocurrencies such as Bitcoin, Litecoin, and more. 

Furthermore, iTrustCapital allows its clients to invest in physical gold and silver. You can invest 24/7, a unique feature not available with many gold IRA companies.

The company has partnered with renowned crypto custodians to offer world-class security. Apart from having an HQ in Irvine, they have another office in Los Angeles. 

The crypto IRA provider offers several analysis tools to customers that are easy to use but very helpful. Also, they have a dedicated section of free resources which enable consumers to get familiar with cryptocurrencies, personal finance and investing.

People Behind iTrustCapital:

The company boasts of having a highly experienced team of professionals with specializations in alternative investments. Here’s a detailed overview of their team:

Kevin Maloney (Chief Strategy Officer, Interim CEO)

itrustcapital ceo

Kevin Maloney is the Interim CEO and Chief Strategy Officer of the company. Also, he is the spokesperson of the crypto IRA company. 

Kevin has more than 25 years of experience in C-level leadership roles. He has worked with over a dozen early-late stage private and public enterprises of various sectors including real estate, technology, financial services and blockchain. 

According to his bio on iTrustCapital, he enjoys developing and leading productive teams and implementation of clearly defined strategic initiatives. 

Kevin Maloney has led more than 1,100 early-mid stage investor presentations, performed 100+ corporate and institutional road shows and raised around $250 million in capital for multiple companies. 

He has served as a co-founder, advisor, early executive and angel investor for many companies. Kevin has a BA from UC Irvine and an MBA from Pepperdine University.

Blake Skadron (CVO and Co-Founder)

itrustcapital cvo

Blake serves as the Chief Visionary Officer of iTrustCapital. He handles the firm’s client experience, branding and marketing efforts. 

Blake Skadron has more than 20 years of experience in sales, management and financial services. 

Before founding this crypto IRA company, he spent 12 years in different account management and sales leadership roles. 

Trevor Gregory (Chief Operating Officer)

itrustcapital coo

Trevor is the COO of this crypto IRA firm. He oversees the company’s operations and collaborates with their marketing, product and engineering divisions. 

Before iTrustCapital, he used to work at Indi, a prominent social commerce startup. Trevor Gregory has more than 15 years of experience in running enterprises. He has led the marketing efforts of multiple national brands.

Chris Franks (Chief Financial Officer)

chris franks

Chris Franks is the CFO of this crypto IRA company. He has more than 20 years of finance and investing experience. 

Prior to iTrustCapital, he served as the CFO of Fastpay. He got his start at Merrill Lynch and CIBC as an analyst. 

Chris graduated from Duke University. He has an MBA from UC Berkeley and is a CFA charterholder.

How to Sign Up with iTrustCapital:

Step #1:

First, you would need to go to their website and click on the “Open an Account” button. It will redirect you to the iTrustCapital sign in page. 

There, you would need to enter your name, email and other relevant information to start creating your account. 

The platform will ask you to confirm your email. Once that’s done, you can move onto the next step.

Step #2:

After you have confirmed your email, you can start setting up your IRA. At iTrustCapital, you can choose from Traditional IRA, Roth IRA and SEP IRA.

Contributions in a Traditional IRA are tax-deductible and qualified distributions are taxable. On the other hand, the contributions in a Roth IRA are taxable while qualified distributions are tax free. 

itrustcapital login

In a SEP IRA, your contributions are tax-deductible while qualified distributions are taxable.

You should choose the IRA account type based on your financial requirements and goals.

Step #3:

Once you have chosen the account type, you can choose your preferred method for funding the account. 

You can add funds directly or roll over funds from an existing IRA account. Both of the processes take relatively the same amount of time. 

When your account has received the funds, you can start trading cryptocurrencies available with iTrustCapital.

iTrustCapital Products:

The selection of assets you can trade with iTrustCapital is quite high. One of the biggest highlights of their catalog is you can trade both cryptocurrencies and precious metals with them. 

This is a unique facility not available with many gold and crypto IRA companies. Here is a detailed overview of their asset selection: 


At the time of writing this review, the total number of cryptocurrencies available with iTrustCapital is 29. 

You will find almost all of the popular cryptocurrencies in this selection including Bitcoin, Avalanche, Cardano, Bitcoin Cash, Litecoin, Shiba Inu, and others. 

itrustcapital staking

The latest addition to this selection is The Sandbox

Their Assets page shares the charts of every cryptocurrency available on their platform which can give you an overview of their recent performance.

Additional cryptocurrencies available with them include:

  • Chainlink (LINK)
  • Aave (AAVE)
  • Cosmos (ATOM)
  • Maker (MKR)
  • Polkadot (DOT)
  • EOS (EOS)
  • Dogecoin (DOGE)
  • Sushi (SUSHI)
  • Polygon (MATIC)

Precious Metals:

Apart from cryptocurrencies, you can also invest in physical gold and silver with this IRA provider. 

They have partnered with the Royal Canadian Mint to offer storage of precious metals. Similarly, they have partnered with Kitco Metals, a prominent bullion dealer to offer gold and silver as investments. 

itrustcapital gold

iTrustCapital allows you to keep track of your precious metals 24/7 through your personal dashboard. 

They use VaultChain to offer 24/7 access to investors. 

The availability of both gold and silver certainly makes their asset selection impressive. However, the number of cryptocurrencies they offer is less than half of what their chief competitor offers (Bitcoin IRA). 

Still, iTrustCapital has one of the best asset selections in the industry. 

You can check out their complete asset collection here.

iTrustCapital Fees and Cost:

A great positive of this company is its focus on transparency. You can find all information related to iTrustCapital fees on their website. 

The company doesn’t charge any monthly account fee. There is only a 1% cryptocurrency transaction fee. 

So, if you purchase $1000 worth of Bitcoin, you would get $990 worth of cryptocurrency. The rest of the $10 would go towards your IRA provider. 

Furthermore, the company charges a gold transaction fee of $50 over spot per ounce and a silver transaction fee of $2.5 over spot per ounce. 

itrustcapital fees

Spot prices are subject to market fluctuations and change constantly. The IRA provider deducts the gold and silver transaction fee from your purchases and sales. 

Also, there is a one-time conversion fee of $75 to convert a Traditional IRA to a SEP IRA or Roth IRA.

iTrustCapital points out that it doesn’t charge any additional fees. 

The above-mentioned fees would cover: 

  • Setup of your new IRA
  • Funding of your new IRA through transfer/rollover
  • Necessary IRS reporting
  • Unlimited storage with their custody partners
  • Platform support and maintenance

However, customers with self-directed IRAs (for precious metal investments) would need to pay additional maintenance fees.

account minimum

Certainly, their fee structure is among the lowest in the crypto IRA sector. 

The account minimum requirement here is $1,000. 

Their emphasis on full transparency regarding pricing and fees enhances their credibility substantially.  

Considering how there are several gold IRA companies which refrain from sharing their pricing details online (such as Amerigold and Rosland Capital)

Initial Set Up Fee$0
Annual Maintenance Fee$0
Transaction Fee (Cryptocurrency)1%
Transaction Fee (Gold)$50 over spot per ounce
Transaction Fee (Silver)$2.50 over spot per ounce
Account Minimum$1,000

Additional Highlights of iTrustCapital: What Makes Unique

Apart from being one of the top crypto IRA companies in the industry, there are plenty of qualities which make iTrustCapital a unique service provider. Below are their primary highlights:

Tax-Free Crypto Investing:

iTrustCapital allows you to invest in cryptocurrencies through your IRA. Hence, your contributions can be tax-deductible. This is a huge advantage you wouldn’t get with crypto exchanges such as Binance or Coinbase. 

Your gains would either be tax-deferred or tax-free with them. This is a big reason why crypto IRA providers are getting increasingly popular. 

Client Education:

The crypto IRA company puts in a lot of effort into client education. They have a dedicated learning center where they provide customers with informative reads on cryptocurrencies, precious metals, security and retirement.

itrustcapital blog

The company gives detailed guides on how to open a new IRA account with them. Even if you have no experience in opening IRA accounts, their helpful videos and articles will guide you through the entire process. 

video library

Furthermore, you can sign up for their free newsletter where they share you a beginner’s guide to cryptocurrency investing. If you’re new to the crypto market, it can be the perfect resource for you to get started.

Similarly, if you’re confused about any aspect of iTrustCapital, you can check out their FAQ section. The detailed FAQ page covers almost all kinds of questions a client might have.


In their learning center, you will find articles covering a variety of relevant topics such as:

  • Institutional Custody vs Self Custody
  • IRS Tax Treatment of Crypto
  • Using Blockchain to Invest in SIlver

Surely, iTrustCapital ensures that its customers are able to stay updated on the industry’s recent trends and events. 

Special Promotions:

In order to reach new consumers and promote their IRA services, this crypto IRA firm runs new promotions regularly. 

itrustcapital offer

At the time of writing this iTrustCapital review, they are running a promotion titled ‘Crypto Dad’.

As part of this promotion, consumers can sign up for a free Crypto Dad hat and enter in the Crypto Summer Sweepstakes. There, they can win a Trager grill worth $699.99. 

The promotion also consists of a Crypto Mom hat.

Secure Storage:

According to their website, iTrustCapital has partnered with a third-party custodian to custody its clients’ assets. Their partner custodian is a regulated state-chartered trust company. It holds client assets in individual retirement accounts solely for the benefit of each client. 

Also, their partner custodian uses Fireblocks and Coinbase Custody for the storage of digital assets. 

It uses institutional-grade offline storage aka cold storage and multi-party computation (MPC) for enhanced security. 

The crypto IRA firm points out that their custodian undergoes regular security and financial audits by external firms and has received SOC 1 Type II and/or SOC 2 Type II certifications. 

Easy Accessibility:

Another positive highlight of this IRA provider is its trading platform. You can access your assets 24/7 and on the go through their trading platform. To facilitate this feature, the company offers round the clock customer support.

If you have any questions or confusions, you can get in touch with their customer support through phone, live chat or their social media. 

Alternatively, you can use the contact form available on their website to get in touch with one of their representatives. 

iPhone and iPad users can download the iTrustCapital app to trade on their mobile device. The app lets you trade assets available in their selection as well as view your investments. 

iTrustCapital Reviews and Complaints: What Do Their Customers Say?

Despite being in the industry for only 4 years, this crypto IRA company has established itself as a prominent service provider. It has amassed thousands of positive reviews across multiple consumer platforms.

Here’s a platform-wise breakdown of iTrustCapital reviews:

iTrustCapital Trustpilot:

itrustcapital reviews

Trustpilot is one of the most popular consumer review platforms. There, the company has received 2,400+ reviews and their aggregate rating is 4.4 out of 5-stars. 

73% of the iTrustCapital reviews on Trustpilot give the company 5 out of 5 stars while 15% of their reviews give them 4 out of 5-stars. 

Most of their reviews on Trustpilot praise the company’s customer service. 

For example, JC shares that  the customer service of this firm was hands down the best he had ever received from a company. He highlights that the company assisted him on every step of the way of his account set up. 

itrustcapital reviews

Similarly, William below shares that iTrust Capital was very helpful. He shares that the company made it easy for him to rollover funds from his employer plan to a crypto IRA. 

itrustcapital reviews

Also, he points out that the customer service of the company was great at answering his questions. 

There are countless reviews praising the company on these aspects. 

itrustcapital reviews

Similarly, there are a few negative reviews as well. Most of the reviews that give the company low ratings complain about the company’s long response times. 

iTrustCapital Google Reviews:

itrustcapital reviews

The Google My Business listing of this crypto IRA company has nearly 380 reviews at the time of writing this iTrustCapital review. 

Based on these reviews, the company has an overall rating of 4.6 out of 5 stars. 

Reviewers here praise the company’s helpful staff. For example Elvin shares that he has finished transferring an IRA account to iTrust Capital. Elvin points out that the staff was extremely helpful in addressing his questions and requests. 

itrustcapital reviews

Through their guidance, Elvin says that he was able to complete the initial transfer and the conversion process. Now his account is fully funded and ready to use. 

iTrustCapital App Reviews:

itrustcapital app

The iOS app of this IRA provider has received more than 110 reviews on the App Store. However, its overall rating is only 3.1 out of 5 stars. 

Reviews that give the platform mediocre ratings because of a lack of certain features. For example, one user points out that they had to create separate logins for their Tradition and Roth IRA. They wish that the company would simplify this process. 

itrustcapital app

However, the company has responded to every review on their mobile app. 

This shows the company’s customer support is rather active. 

Is iTrustCapital Legit?


  • Experienced leadership
  • 24/7 accessible platform
  • Offer gold and silver


  • Mixed reviews of mobile app
  • Limited number of cryptocurrencies offered

Yes, iTrustCapital is a legitimate crypto IRA company. They have been in the industry since 2018 and have been able to get over 185,000 customers. 

The company has a highly experienced team of executives with a diverse skill set. Moreover, they have garnered thousands of positive reviews across consumer platforms. 

The crypto IRA company offers 29 cryptocurrencies along with physical gold and silver for investors to invest in. They provide consumers with a vast collection of free resources including videos and articles. 

Also, they are quite transparent regarding their fees and charges. 

The only drawbacks in this firm is the limited number of their offered assets. Another thing that might bother some investors is their custodial wallet. Investing in a custodial wallet means you don’t have the key controlling the wallet in your possession. 

Investing in a crypto IRA can help you diversify your portfolio and increase your gains. Many cryptocurrencies have seen their value increase in their last few years. 

However, you should be extremely careful when choosing your crypto IRA provider. That’s because their fee structure, asset selection and security would have a huge impact on your returns. 

Hence, I recommend checking out multiple service providers. You can learn about the best crypto IRA companies here.