iTrustCapital is a self-directed IRA platform built around a simple fee model: 1% per trade, no monthly fees. It supports 30+ cryptocurrencies plus physical gold and silver, making it one of the few crypto IRA platforms that lets you hold both asset classes in the same account.
Quick Facts
Fee Model
1% per trade
Monthly Fee
None
Setup Fee
None
Crypto Assets
30+ (verify at itrustcapital.com)
Physical Assets
Gold and Silver
Custody
Fortress Trust
IRA Types
Traditional, Roth, SEP
Account Minimum
See itrustcapital.com
Staking
Solana staking available
Strengths and Considerations
Strengths
- Flat 1% trading fee per transaction, no monthly account fees
- 30+ cryptocurrencies available (verify current list at itrustcapital.com)
- Physical gold and silver alongside crypto in the same IRA
- Traditional, Roth, and SEP IRA account types supported
- Solana staking available within the IRA structure
- 12,000+ verified 5-star reviews on Google and Trustpilot
- US-based live customer support
Considerations
- !Smaller crypto selection than some competitors
- !Account opening minimum applies - check itrustcapital.com for current requirements
- !Custody is through Fortress Trust, not a household name like BitGo
- !No SIMPLE IRA support
Fee Model
iTrustCapital charges a flat 1% fee on each trade. There are no monthly account maintenance fees and no setup fees. This is straightforward compared to competitors that stack a one-time setup fee on top of an annual maintenance fee.
The 1% fee applies to both buys and sells. On a $10,000 purchase you pay $100 in fees. On a $50,000 purchase you pay $500. For buy-and-hold investors who make infrequent trades, the total cost of ownership stays low. For active traders or frequent rebalancers, those fees accumulate.
Physical gold and silver trades use a spread-over-spot model rather than the 1% crypto fee: $125 per ounce over spot for gold, $8 per ounce over spot for silver. Verified at itrustcapital.com May 2026.
Custody Model
iTrustCapital uses Fortress Trust as its IRA custodian. Fortress Trust handles the IRS-required qualified custodian role, meaning they hold the account and manage regulatory reporting. The underlying crypto assets are held in cold storage.
As with all crypto IRAs, you do not hold the private keys. The custody provider controls the keys to your digital assets. This is a structural requirement under IRS regulations - IRA assets must be held by a qualified custodian, not the account holder.
Before opening an account, verify the current custody arrangements and any insurance coverage directly at itrustcapital.com. Custody arrangements can change when platforms are acquired or restructure their partnerships.
Supported IRA Account Types
Traditional IRA
Tax-deferred growth, contributions may be deductible depending on income and employer plan participation.
Roth IRA
After-tax contributions, qualified withdrawals in retirement are tax-free including all gains.
SEP IRA
Higher contribution limits for self-employed individuals and small business owners.
2026 IRS Contribution Limits
- Standard annual limit: $7,500
- Age 50+ catch-up: additional $1,100, total $8,600
- These limits apply across all your IRA accounts combined, not per account. Verify current limits at irs.gov.
Who iTrustCapital Suits Best
iTrustCapital is a strong option for cost-conscious investors who want low fees and a multi-asset IRA. The 1% flat fee with no monthly charges keeps overhead low for buy-and-hold strategies.
The addition of physical gold and silver makes it appealing for investors who want to spread IRA holdings across both crypto and precious metals without opening multiple accounts. Solana staking adds yield potential for investors comfortable with that asset.
It is less suitable if you want a large selection of altcoins, need SIMPLE IRA support, or prefer a custody provider with a longer public track record.
Research iTrustCapital Directly
Fees, account minimums, supported assets, and custody arrangements change. Verify all details at itrustcapital.com before opening an account. Confirm the current minimum investment requirement on their site.
CryptoKeySafe does not provide investment advice. Fees, minimums, and available assets change. Verify all details directly with the provider before opening an account. This review is for informational purposes only and does not constitute a recommendation to open any specific account.