What is iTrustCapital

iTrustCapital is a fintech platform that allows U.S. investors to buy and hold cryptocurrency and precious metals through either a tax‑advantaged retirement account (like an IRA) or a standard taxable account (“Premium Custody Account”). It is not a typical crypto wallet: assets bought via iTrustCapital are held in custody by regulated financial institutions, not directly controlled by users.

Because of this custody setup, investors do not receive a private key or personal wallet address that they control. Rather, iTrustCapital holds the assets on behalf of the user under qualified custodianship.

How iTrustCapital Works: Account Types

Crypto IRAs

• Through iTrustCapital, users can create a self-directed IRA (Traditional, Roth, etc.) and invest in supported cryptocurrencies or precious metals inside that account.

• The assets remain in custody of the partner bank or custodian. The investor does not directly manage or control private keys.

• Crypto or metals held inside the IRA cannot be moved out to a personal wallet — they remain under custodial control as long as they are inside the retirement account.

Premium Custody Account (Taxable Account)

• For non-retirement investing, iTrustCapital offers a Premium Custody Account.

• Funds or crypto assets deposited into a custody account are stored by institutional custodians in a closed‑loop custody system.

• In this setup, crypto may not be withdrawn to external wallets; withdrawals are processed in fiat currency (USD) rather than as crypto.

• This structure aims to prevent exposure from external wallet vulnerabilities, phishing, or account login risks.

Custody and Security Model

• Assets under iTrustCapital are stored in institutional‑grade custody, often using cold storage, multi‑party computation (MPC) systems, and secure hardware modules.

• Client assets are held separately from company operating funds (off‑balance sheet), reducing risk in case of insolvency or bankruptcy.

• Institutional custodians typically maintain audits, adhere to regulatory compliance, and provide insurance or security measures to protect stored assets.

Pros of Using iTrustCapital

• Offers an option for investors who prefer not to manage private keys themselves.

• Enables crypto or precious‑metal exposure inside tax-advantaged retirement accounts (IRAs).

• Provides a simplified and regulated structure for holding crypto or metals without dealing with wallets or self-custody.

• For users worried about losing keys or managing wallets, custody eliminates those risks.

Cons and Limitations

• Since it’s custodial, you do not have direct control over private keys or wallet addresses.

• You cannot move crypto to a personal wallet — withdrawal from custody accounts is usually in fiat (USD), not crypto.

• The setup is largely U.S.-centric; global users may not have access to accounts or services.

• You rely on the custodian’s security infrastructure, rather than managing security personally.

• Because of the lack of direct control, some flexibility common in self-custody wallets (like sending crypto cross‑chain or to external wallets) is lost.

When iTrustCapital Makes Sense

iTrustCapital is a useful solution if:

• You want a simple, regulated way to hold crypto or metals without managing keys.

• You’re interested in investing via tax‑advantaged retirement accounts.

• You prefer institutional custody over self-custody for ease and because of security comfort.

• You are okay with limited flexibility — mainly holding assets rather than using a broad array of crypto wallet features.

When Self‑Custody Wallets Are Better

If you value:

• Full control over private keys and wallet addresses,

• The ability to move crypto freely between wallets or across platforms,

• Use of decentralized applications (DeFi), NFTs, or other crypto services requiring wallet control,
  then a self‑custody wallet (software or hardware wallet) may suit you better than a custodial service like iTrustCapital.

Conclusion

iTrustCapital serves not as a traditional crypto wallet but as a custodial investment platform offering crypto and precious-metal holdings through IRAs and custody accounts. It emphasizes ease, regulation, and institutional storage over personal control.

For those who wish to invest without dealing with private keys — or who want crypto exposure within retirement or custody frameworks — iTrustCapital offers a convenient path. For users seeking full control, flexibility, and self‑sovereignty over digital assets, a self‑custody wallet remains the more appropriate option