iTrustCapital Review (October 2026): Fees, US States and Licenses

Our verdict

iTrustCapital, operated by ITC2.0, Inc., is a self-directed retirement platform offering crypto, stocks and ETFs, and precious metals in Traditional, Roth and SEP IRAs, plus a non-IRA Premium Custody Account. Crypto trades cost 1% with no monthly, setup or exit fees. IRA custody is provided by iTrust Custodial Services and Fortis Bank, and the company reports 300,000+ accounts and $18 billion in transactions.

iTrustCapital fees

Maker / taker

— Not verified

Simple buy

1% per cryptocurrency buy or sell

Volume tiers

Q strategy trades cost 0.10% with a subscription ($0 for positions of $1,000-$24,999, $49 per month for $25,000-$99,999, $99 per month for $100,000+; the site says no subscription fees until 2027). Stock and ETF trades are commission-free; precious metals are priced over spot per ounce. Per-transaction limits of $20 minimum and $500,000 maximum are shown for some assets.

ACH deposit

— Not verified

Wire deposit

— Not verified

Card purchase

— Not verified

USD withdrawal

Distribution by ACH free; by wire $15

Crypto withdrawal

— Not verified

Other fees

No monthly, annual, setup or exit fees; $15 wire fee on transfers out

Minimum deposit

— Not verified

Is iTrustCapital available in my state?

Official site (checked Oct 2026) offers Traditional, Roth and SEP crypto IRAs, a non-IRA Premium Custody Account and Treasury accounts to US investors.

The list of states this platform serves is not verified yet.

New York

— Not verified

ID check (KYC)

Yes

Withdraw crypto

Yes

Funding

Crypto

Is iTrustCapital regulated?

US operator

ITC2.0, Inc. (d/b/a iTrustCapital)

Parent company

— Not verified

State licenses

— Not verified

New York license

— Not verified

Other

iTrustCapital states it is a fintech software platform and not an exchange, custodian, trust company, broker-dealer or investment adviser. IRA custodial services are provided by iTrust Custodial Services and/or Fortis Bank; stocks and ETFs are offered through Apex Clearing Corporation (SEC-registered broker-dealer, FINRA and SIPC member).

Founded

— Not verified

Headquarters

— Not verified

How secure is iTrustCapital?

Proof of reserves

— Not verified

Audits

— Not verified

Insurance

— Not verified

Incidents since 2019

None found in the sources checked.

Crypto held on a platform is not covered by FDIC or SIPC insurance.

What you can do on iTrustCapital

• Spot
• Staking
• IRA
• Stocks & ETFs
• Earn

Traditional, Roth and SEP IRAs holding crypto, stocks and ETFs, and gold, silver and platinum. The non-IRA Premium Custody Account allows in-kind crypto deposits and withdrawals to an external wallet. Q Strategies are AI-formulated quantitative trading strategies. Clients cannot choose the custody partner.

Apps

Web, iOS

Support

Phone, Help center