iTrustCapital Wallet –

iTrustCapital is a U.S.-based digital asset platform that allows investors to buy, sell, and hold cryptocurrencies and precious metals within regulated accounts, including self-directed IRAs and Premium Custody Accounts (PCA). While many refer to it as a “wallet,” it is important to note that iTrustCapital is custodial, meaning users do not control private keys directly.

This guide explains how iTrustCapital works, account options, security, fees, pros and cons, and alternatives, giving investors a full picture of the platform.

1. What is iTrustCapital?

iTrustCapital is a fintech platform designed for secure digital asset investing. It serves as an intermediary between investors and qualified custodians, providing access to:

• Cryptocurrencies like Bitcoin, Ethereum, and other supported tokens.

• Precious metals including gold and silver.

• Tax-advantaged self-directed IRAs.

• Premium Custody Accounts (PCA) for taxable trading.

Unlike traditional wallets, iTrustCapital does not give users access to private keys. Instead, it emphasizes institutional custody and regulatory compliance, offering security and convenience over full self-control.

Key Point: iTrustCapital is ideal for long-term investment and retirement planning, not for frequent transfers or DeFi participation.

2. How iTrustCapital Works

2.1 Account Types

1. Crypto IRA (Self-Directed IRA)

   • Allows investors to hold crypto and metals in retirement accounts.

   • Assets are stored with a qualified custodian to ensure regulatory compliance.

   • Withdrawals and distributions follow IRS rules, typically after age 59½.

   • Offers Traditional, Roth, and SEP IRA options.

2. Premium Custody Account (PCA)

   • Taxable account for crypto and metals.

   • Trades are executed within the platform using USD deposits.

   • Withdrawals are typically in USD; direct crypto transfers to external wallets are limited.

   • Designed for investors seeking a secure, regulated custody solution.

2.2 Trading Features

• Buy, sell, and track cryptocurrencies and metals in real-time.

• Web and mobile interfaces for easy portfolio management.

• Institutional-grade custody with cold storage and advanced security protocols.

• Portfolio tracking, transaction history, and reporting features for IRS compliance.

3. Security Features

iTrustCapital emphasizes institutional-level security:

• Assets are held by regulated custodians, not by iTrustCapital itself.

• Cold storage, MPC (multi-party computation), and other security measures protect assets.

• Accounts are segregated from iTrustCapital’s operating funds.

• Two-factor authentication (2FA) is required.

• Custodians provide insurance coverage (limited to certain amounts) for added protection.

• Mandatory identity verification and KYC procedures for all users.

Note: Users do not control private keys, so security relies on both iTrustCapital and its custodial partners.

4. Fees

• Transaction fee: 1% per crypto purchase or sale.

• No monthly or setup fees for PCA accounts.

• IRA accounts may have maintenance fees based on the custodian.

• While fees are higher than self-custody wallets, they include security, regulatory compliance, and platform convenience.

5. Pros and Cons

Pros

• Custodial storage for crypto and precious metals with institutional security.

• Tax-advantaged investment options through IRAs.

• User-friendly web and mobile interface.

• Combines crypto and metals in one platform.

• Reduced risk of private key loss or theft.

Cons

• Cannot freely transfer crypto to external wallets (except under certain IRA distributions).

• Only available to U.S. residents.

• Transaction fees of 1% may not suit frequent traders.

• Not suitable for active DeFi, NFT, or high-frequency trading.

6. Who Should Use iTrustCapital?

Ideal users:

• U.S.-based investors seeking tax-advantaged crypto investments.

• Investors preferring custodial storage over self-custody.

• Those who want to combine crypto and precious metals in one account.

• Long-term investors focusing on retirement planning or growth.

Not ideal:

• Users wanting full control of private keys.

• Non-U.S. residents.

• Active traders who require frequent withdrawals or low fees.

• DeFi and NFT users needing wallet flexibility.

7. Alternatives to iTrustCapital

For full control and flexibility, consider:

• Ledger or Trezor Hardware Wallets: Offline storage for private keys.

• MetaMask: Software wallet for Ethereum/EVM chains with DeFi support.

• Trust Wallet: Multi-chain mobile wallet with complete key control.

• Coinbase Wallet: Non-custodial wallet with mobile and dApp access.

iTrustCapital is best for custodial security, IRA compliance, and long-term holding, while the alternatives provide more control and flexibility.

8. Recent Updates in 2025

• Premium Custody Account (PCA): Closed-loop custody where crypto can be held and traded but withdrawals are in USD only, reducing theft risk.

• Focus on institutional custody, cold storage, and regulatory compliance.

• Enhanced mobile and web interfaces for better user experience.

9. Conclusion

iTrustCapital is a safe, regulated investment platform ideal for U.S. investors looking for secure, tax-advantaged cryptocurrency and precious metal investments. While it is not a self-custody wallet, it provides convenience, institutional security, and compliance, making it suitable for long-term investors and retirement-focused users.