iTrustCapital: Platform Profile

Overview

iTrustCapital is a software platform for self-directed retirement accounts that can hold cryptocurrency and physical precious-metals exposure.

Current products include:

• Traditional IRAs;
• Roth IRAs;
• SEP IRAs;
• inherited IRA administration;
• more than 90 digital assets;
• physical gold and silver exposure;
• crypto IRA transfers in kind;
• cash contributions;
• qualified-plan rollovers;
• conditional transactions;
• recurring buys;
• in-kind distributions.

The legal structure matters.

iTrustCapital states that it is:

• Exchange: No
• Custodian: No
• Trust company: No
• Broker dealer: No
• Investment adviser: No

Current qualified custodian:

• Fortis Bank: Yes

May fit better for

• investors seeking crypto inside a true self-directed IRA;
• investors who want more than bitcoin;
• users who want crypto plus gold or silver;
• investors who prefer 24/7 digital-asset trading;
• investors transferring an existing crypto IRA in kind;
• investors comfortable with third-party institutional custody.

May fit less well for

• investors who want personal control of IRA private keys;
• investors seeking a conventional stock-and-bond brokerage;
• investors who want zero transaction fees;
• users seeking direct external-wallet withdrawals from the IRA while it remains tax-advantaged;
• investors who want an investment adviser to select assets;
• users who assume bank custody makes crypto FDIC insured.

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Current qualified custodian

Current 2026 iTrustCapital support states:

• Qualified custodian: Fortis Bank

Fortis holds IRA assets for the benefit of each customer.

iTrustCapital operates the software and transaction interface.

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Digital-asset storage

Current custody materials state Fortis/iTrust Custodial Services works with institutional storage providers including:

• Coinbase Custody;
• Fidelity Digital Assets;
• Fireblocks.

Current security references include:

• MPC: Yes
• Offline cold storage: Yes
• SOC2 Type II provider: Yes
• Commercial crime insurance: Yes

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Current account-opening minimum

Current support:

• Initial IRA minimum: $1,000
• Additional inflow minimum: $500

There is no stated maximum for IRA transfers or qualified-plan rollovers.

Annual cash contributions remain subject to federal IRA limits.

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Digital-asset transaction fee

Current August 2026 trading instructions state:

• Digital asset purchase fee: 1%
• Digital asset sale fee: 1%

A crypto-to-crypto switch requires two transactions because iTrustCapital does not use token pairs.

Example:

To move $10,000 from ETH to BTC:

1. sell ETH to USD — 1%;
2. buy BTC with USD — 1%.

Ignoring price movement and spread effects, the two transaction fees total approximately:

$100 + $99 = $199

because the second transaction is made with the post-fee proceeds.

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No monthly or annual platform maintenance fee

Current January 2026 support:

• Monthly platform maintenance fee: $0
• Annual platform maintenance fee: $0

That does not mean every service is free.

Trading, conversion, wire, and other service fees can still apply.

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Roth conversion fee

Current May 2026 conversion FAQ:

• Roth conversion service fee: $75

The fee can apply to full or partial conversions.

Tax consequences are separate from the service fee.

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Precious metals

Current platform supports physical gold and silver exposure.

Current structure:

• Gold and silver source: Kitco
• Ledger technology: Tradewind VaultChain
• Storage: Royal Canadian Mint
• Storage fee on platform: $0

The customer owns allocated ounces as part of larger bullion bars.

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Precious-metals fee

Current iTrustCapital support directs customers to the live pricing page for precious-metals trading fees.

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More than 90 digital assets

Current August 11, 2026 support states:

• Digital assets: 90+

Asset availability changes.

Keep the asset count as an update trigger rather than copying the full list into permanent structured fields.

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24/7 trading

Current platform:

• Crypto trading 24 7: Yes
• Conditional transactions: Yes
• Recurring buys: Yes

Conditional transactions are not limit orders.

They trigger market orders when the selected condition is reached.

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IRA assets cannot sit in a personal wallet

Current June 2026 support states:

• Personal wallet while asset remains in IRA: No

Assets are held through the qualified-custodian structure.

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In-kind distributions

Current April/August 2026 support:

• In kind crypto distribution: Yes

After an approved IRA distribution, supported crypto can be sent to a personal wallet.

That is a distribution from the IRA.

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In-kind transfers from another crypto IRA

Current July 2026 support:

• In kind crypto IRA transfer in: Yes

Only supported assets can transfer in kind.

Unsupported assets may need to remain at the old provider or be converted before transfer.

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Account types

Current support establishes:

• Traditional IRA: Yes
• Roth IRA: Yes
• SEP IRA: Yes
• Inherited IRA support: Yes

Current rollover materials also reference SIMPLE IRA funds.

Direct employer-participating SIMPLE contributions are not currently integrated.

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Protection

Current iTrustCapital disclosures state cryptocurrency is not:

• legal tender backed by the U.S. government;
• FDIC insured as cryptocurrency;
• protected from market loss.

Eligible USD held at banking partners can have separate deposit treatment.

Assessment

iTrustCapital combines a relatively low $1,000 entry point with a broad crypto menu and precious-metals access.

The fee model is easy to understand for direct crypto trades:

1% to buy and 1% to sell.

The custody distinction is more important:

Fortis Bank is the qualified custodian; iTrustCapital is the software and transaction platform.

Customers do not personally control IRA wallet keys while the assets remain inside the retirement account.