--- title: "iTrustCapital Review 2026 \| IRA Fees, Custody and Withdrawals" url: https://altstreet.investments/platforms/reviews/itrustcapital kind: platform-review updated: 2026-11-14 description: "iTrustCapital review 2026: IRA fees as stated (1% a crypto trade plus an undisclosed spread in prices, metals per ounce), who holds your IRA now, how to withdraw or transfer crypto in kind, and the Fortress Trust custody episode." publisher: AltStreet (https://altstreet.investments) license: Public factual pages may be read, quoted and cited with attribution and a link. Bulk redistribution is not permitted. --- # iTrustCapital Review 2026 \| IRA Fees, Custody and Withdrawals iTrustCapital is an Irvine, California software platform for self-directed Traditional, Roth and SEP IRAs and taxable accounts: $1,000 opens an account in which you trade about 100 cryptocurrencies against US dollars, buy physical gold, silver and platinum stored at the Royal Canadian Mint, stake ETH or SOL and, since August 2026, trade US stocks and ETFs. There is no account fee. Each crypto purchase and each sale costs 1%, and execution prices reflect a bid-ask spread from liquidity providers that the company does not size; metals carry a fixed premium per ounce ($125 for gold, up from $50 in 2024). Crypto can leave an IRA without being sold, either to your own wallet as an in-kind distribution or to another IRA custodian as an in-kind transfer. The IRA custodian today is Fortis Bank, a Colorado state bank, and/or the company's own subsidiary iTrust Custodial Services. The live terms still say the company's affiliated adviser is SEC-registered; its registration ended May 14, 2026. And when the previous custodian, Fortress Trust, left in 2024, iTrustCapital's May 16 notice to clients listed the benefits of the change and did not mention that North Carolina and Connecticut had summarily suspended Fortress's money transmitter licenses months earlier. AltStreet score: 35.5 (D+), scored November 13, 2026. Method: https://altstreet.investments/platforms | Field | Value | | --- | --- | | Platform | iTrustCapital | | What it is | Self-directed IRA and taxable-account trading platform for crypto, physical precious metals and stocks (account infrastructure) | | Asset class | Cryptocurrency, allocated gold, silver and platinum at the Royal Canadian Mint, US stocks and ETFs, held in IRAs or taxable accounts | | Website | itrustcapital.com | | Review first published | November 13, 2026 | | Last updated | November 14, 2026 | | AltStreet relationship | None: no affiliate, sponsorship or partnership | ## The short version What you get: a self-directed Traditional, Roth or SEP IRA, or a taxable 'Premium Custody Account', in which you buy and sell crypto against US dollars 24 hours a day, buy physical gold, silver and platinum stored at the Royal Canadian Mint, stake ETH or SOL, and since August 18, 2026 trade US stocks and ETFs through Apex Clearing. $1,000 opens an account. What you pay, as stated on the pricing page (November 13, 2026): no monthly, setup, storage or exit fee; 1% on each crypto purchase and each sale ('We do not have token pairs', so a swap is two trades), with execution prices that reflect a bid-ask spread from liquidity providers, which the company does not size ('Additional asset pricing fees may apply'); $125 an ounce over spot for gold, $6 for silver, $160 for platinum; 22% of staking rewards; $75 for a Roth conversion; $15 for a wire. How you get out: an IRA can be distributed in cash, 'up to 7-14 business days after the DocuSign is signed', or in kind, with crypto sent to your own wallet and no transaction fee; or it can be transferred in kind to another IRA custodian without selling, if that custodian accepts the assets. What you cannot do is hold IRA assets in a personal wallet and keep them inside the IRA. ACH deposits are held 30 days first (up to 60 at the custodian's discretion), and in-kind withdrawals from the taxable account cost 0.5%, capped at $5,000, with a $10,000 minimum per asset. Who holds your assets: 'one or more of iTrust Custodial Services and Fortis Bank' (footer); Fortis Bank is an FDIC-supervised Colorado state bank, and iTrust Custodial Services is iTrustCapital's own wholly owned subsidiary, holding a New Mexico trust company certificate marked 'limited market'. Crypto is stored through Coinbase Custody, Fidelity Digital Assets and Fireblocks. The terms permit iTrustCapital to place uninvested client cash in FBO accounts it holds to pre-fund stablecoin rewards; whether it does, and the balances involved, are not disclosed. No wallet address, proof of reserves, attestation or metals bar count is published. What the site says that the record does not match: the live terms say ITC Advisory Services 'is registered with the Securities and Exchange Commission', while IAPD shows that registration terminated May 14, 2026; the home page says the IRAs are held by 'a regulated, state-chartered trust company', while the help center says 'Our Qualified Custodian is currently Fortis Bank'; and the home page's '$18 Billion in Transactions & 300k+ Accounts' sits beside the company's own October 2024 figure of 'over 50,000 client-funded accounts', with 'accounts' not defined. The custody history: the previous IRA custodian, Fortress Trust LLC of Nevada (2023 to about September 2024), had its money transmitter licenses summarily suspended by North Carolina (effective January 22, 2024) and Connecticut (February 13, 2024), and iTrustCapital's client notice of May 16, 2024 announced that 'Fortress Trust will be resigning' and listed seven benefits of the change without mentioning either action. Fortress later went into a Nevada receivership; no source located ties its shortfall to iTrustCapital client balances. - **1% a trade** On each crypto purchase and each sale; execution prices reflect a bid-ask spread from liquidity providers that is not sized on any public page. The company says the displayed price is the average of buy and sell. - **In kind** How IRA crypto can leave without being sold: as a distribution to your own wallet (no transaction fee) or as a transfer to another IRA custodian that accepts it. IRA assets cannot be held in a personal wallet while they stay in the IRA. - **May 14, 2026** Date ITC Advisory Services' SEC registration terminated (IAPD); the live terms, version 2.3, still say it 'is registered with the Securities and Exchange Commission'. - **May 16, 2024** iTrustCapital's notice that 'Fortress Trust will be resigning' as its IRA custodian, framed around seven benefits; it did not mention that North Carolina (effective January 22, 2024) and Connecticut (February 13, 2024) had summarily suspended Fortress's money transmitter licenses. - **$50 to $125** Gold premium per ounce over spot in the pricing fee strip, from the 2023 to October 2024 captures to December 2025 onward; silver went from $2.50 to $6 (via $8 in February 2026). - **300k+ vs 50,000** 'Accounts' on the home page (November 2026, undefined) against 'over 50,000 client-funded accounts' in the company's October 2024 release; no assets-on-platform figure is published. Data note: Fees, withdrawal terms and site statements as captured on November 13, 2026 (pricing figures from the rendered page; the static HTML shows '$' only). Fee history from Wayback captures of the pricing page. Fortress figures from the Connecticut order of February 13, 2024 and consent order of August 14, 2024, the Nevada cease and desist order of October 22, 2025 and petition filed October 27, 2025, and Georgia's order filed November 24, 2025. No figure here is derived from on-chain data, and no total cost per trade is computed because the spread is undisclosed. ## Key figures | Figure | What it is | Context | | --- | --- | --- | | May 14, 2026 | SEC registration of ITC Advisory Services, LLC terminated (IAPD, CRD 339265). | The live terms still say it is registered. IAPD firm record: adviserinfo.sec.gov/firm/summary/339265. | | May 16, 2024 | Clients learned of the change as an upgrade; the record shows a custodian whose licenses two states had suspended. | iTrustCapital's notice that Fortress Trust would resign as its IRA custodian, framed around seven benefits. North Carolina (effective January 22, 2024) and Connecticut (February 13, 2024) had summarily suspended Fortress's money transmitter licenses; the notice did not mention either action. | | 1% a trade | A round trip costs 2% plus the spread on both trades. | Crypto cost on each purchase and each sale; execution prices reflect a bid-ask spread from liquidity providers that is not sized. The company says the displayed price is the average of buy and sell; whether it keeps any part of the spread is not stated. | | $50 to $125 | Gold premium per ounce over spot, October 2024 to December 2025 onward. | Silver $2.50 to $6; platinum $160. | ## Verdict iTrustCapital makes it easy to hold crypto and physical metals in an IRA with no account fee, and its fee strip, terms and help center are public. The record behind it is less tidy: a former custodian whose money transmitter licenses two states suspended while it held client IRAs, and which later failed, a client notice that presented the exit as a set of benefits, a custodian now chosen from a bank and the company's own subsidiary, a spread it does not size, no proof of reserves, an undefined account count and terms that still call a deregistered adviser registered. No regulator action against iTrustCapital itself was located. **Best for** - Long-term IRA holders who want crypto or physical metals, accept iTrustCapital's choice of custodian and do not trade often. **Look elsewhere if** - You want published proof that client holdings are fully backed. - You trade crypto frequently. - You want to choose or vet the custodian yourself. **Strengths** - No monthly, setup, storage or exit fee; a public fee strip with metals premiums in dollars per ounce. - A bank custodian (Fortis Bank) and named institutional storage providers; IRA crypto can leave in kind, to your own wallet or another IRA custodian, without being sold. - Crypto, metals, staking and stocks in one IRA or taxable account. - No regulator action against any iTrustCapital entity located; prompt public replies to complaints. **Limitations** - A custodian history that includes Fortress Trust's license suspensions and receivership, and a May 2024 notice that did not mention them. - 1% each way, with an undisclosed spread in execution prices; metals premiums up sharply since 2024; an undisclosed stablecoin fee. - No proof of reserves, attestation, wallet list or metals bar count; insurance amounts undisclosed. - Terms that call a deregistered adviser registered; a home page that calls a bank a trust company; '300k+ Accounts' undefined. - State money transmitter and California DFAL licensing not determined. ## Who it fits | Investor | Fit | Why | | --- | --- | --- | | Long-term holders who want crypto or physical gold inside a Roth or Traditional IRA | neutral | | | Active crypto traders | poor-fit | | | Metals buyers comparing cost from spot | neutral | | | Investors who need fast access to cash | poor-fit | | ## Questions **Is iTrustCapital legit?** iTrustCapital is a real company (ITC2.0, Inc., formerly iTrust Capital, Inc.) that has operated since 2018, raised $131.2 million from 22 investors in 2021 and 2022 per its Form D/A, and holds two FinCEN money services business registrations. AltStreet located no regulator action against it in the sources searched on November 13, 2026. Its IRA custodian is Fortis Bank, an FDIC-supervised Colorado bank, and/or its own subsidiary iTrust Custodial Services. It publishes no proof of reserves, and its custodian from 2023 to 2024, Fortress Trust, had its money transmitter licenses summarily suspended by North Carolina and Connecticut in early 2024 and went into receivership in November 2025. **What happened with Fortress Trust and iTrustCapital?** Fortress Trust LLC of Nevada became iTrustCapital's IRA custodian in 2023. North Carolina summarily suspended Fortress's money transmitter license effective January 22, 2024, and Connecticut suspended its money transmission license on February 13, 2024, a proceeding Fortress settled by consent order on August 14, 2024 with a $75,000 civil penalty. iTrustCapital announced on May 16, 2024 that Fortress would resign and accounts would move to Fortis Bank and/or iTrust Custodial Services; the notice did not mention either license action. Accounts moved around September 2024. In October 2025 Fortress told Nevada it was insolvent, and a receiver was appointed on November 7, 2025; the state's petition put its custodial shortfall at $11,002,208. No source located ties that shortfall to iTrustCapital client balances. **Who holds my assets at iTrustCapital?** Per the site (November 13, 2026), IRA custody is provided by 'one or more of iTrust Custodial Services and Fortis Bank'; the help center says the qualified custodian is currently Fortis Bank. Crypto is stored through Coinbase Custody, Fidelity Digital Assets and Fireblocks, metals at the Royal Canadian Mint, stocks at Apex Clearing. The site does not say which custodian holds a given account, and customers do not choose. **What are iTrustCapital's fees?** As stated on the pricing page (November 13, 2026): no monthly, setup, storage or exit fee; 1% on each crypto purchase and each sale, with execution prices reflecting a bid-ask spread that is not sized; gold $125, silver $6 and platinum $160 an ounce over spot; zero-commission stocks and ETFs; 22% of staking rewards; $75 Roth conversion; $15 wire distribution; 0.5% (capped at $5,000) on in-kind crypto withdrawals from taxable accounts; no transaction fee on in-kind crypto distributions from IRAs. **Can I move my crypto out of iTrustCapital without selling it?** Yes, in two ways, per the help center and pricing page (November 13, 2026). From an IRA you can take an in-kind distribution, and 'we send the Bitcoin directly to your personal wallet'; iTrustCapital charges no transaction fee for it, but it is a distribution for tax purposes, and stablecoins are excluded. Or you can transfer the IRA in kind to another custodian: 'you may transfer out to another crypto IRA provider without having to liquidate the assets if the receiving institution allows it', using the new custodian's transfer form. What you cannot do is hold IRA assets in your own wallet while they stay in the IRA. From a taxable Premium Custody Account, in-kind withdrawals to an external wallet cost 0.5%, capped at $5,000, with a $10,000 minimum per asset. ACH deposits must sit 30 days first. **Does iTrustCapital publish proof of reserves?** No. AltStreet found no wallet address, reserve attestation, auditor report on client holdings or metals bar count on the site or in the help center, and no public attribution of any address to iTrustCapital in Arkham, Etherscan, OKLink or Blockscout searches on November 13, 2026. **Is iTrustCapital licensed?** ITC2.0, Inc. holds two FinCEN money services business registrations, and its subsidiary iTrust Custodial Services holds a New Mexico trust company certificate (limited market). AltStreet could not determine its state money transmitter licenses, California Digital Financial Assets Law status or New York licensing; that is a gap in what could be read, not a finding either way. **Is ITC Advisory Services registered with the SEC?** Not since May 14, 2026, when IAPD shows its SEC registration terminated. The iTrustCapital terms (version 2.3, captured November 13, 2026) still say it 'is registered with the Securities and Exchange Commission'. **How does iTrustCapital compare with Alto IRA?** Alto charges a quarterly account fee and uses its own New Mexico trust company; iTrustCapital charges no account fee and earns 1% plus the spread on each crypto trade. Alto scores 44.3 (C) and iTrustCapital 35.5 (D+) out of 100 on AltStreet's infrastructure path. ## Update history **November 14, 2026: Published; federal docket search completed** Published after owner pass 1. The CourtListener search that hit its daily limit on November 13 was run on November 14: no federal case names an iTrustCapital entity as a party. The name appears only in documents filed in other cases, mostly personal bankruptcy schedules listing iTrustCapital accounts as assets, the Linqto bankruptcy and XRP holders' filings in Deaton v. SEC and SEC v. Ripple. Score unchanged. **November 13, 2026: Owner pass 1: current offer first, fees and withdrawals table, license-specific Fortress record, routes out of an IRA** Leads with the current offer and puts a fees and withdrawals table under the summary; tells the Fortress story once, in the custody section, with the specific license actions: North Carolina's summary suspension as a money transmission licensee (effective January 22, 2024, as described in Connecticut's order), Connecticut's summary suspension of Fortress's money transmission license (February 13, 2024) and the consent order that resolved it (August 14, 2024, $75,000 civil penalty), Nevada's cease and desist order (October 22, 2025) and Georgia's revocation (filed November 24, 2025). The $11,002,208 is described as the shortfall the Nevada petition states ($8,176,208 in dollars and $2,826,000 in digital assets), with the attribution limit beside it; its stand-alone callout is removed. 'No transfers to outside wallets' is replaced by the routes the help center documents: in-kind distributions to a personal wallet (no transaction fee) and in-kind transfers to another IRA custodian. The FBO clause is presented as a permission with use and balances unknown; the spread is described as reflected in execution prices, without saying iTrustCapital charges it. The SEC registration discrepancy is the first callout, with the terms and the IAPD record linked. The Trustpilot count comparison and the unrelated token search are dropped. A 'How the 35.5 (D+) is built' entry shows the pillar scores and analyst inputs. Score unchanged. Data layer: five state documents and eight verbatim quotes added (351 documents, 48 quotes). **November 13, 2026: Draft review built** First draft from the November 13, 2026 dossiers: custody chain and the Fortress Trust episode, fees as stated with the metals premium history, site claims against the record, licensing gaps and the legal scan. Score 35.5 out of 100 (D+) on the infrastructure path. Draft, not indexed, pending owner pass 1. ## Evidence appendix Platform website captured November 13, 2026. 120 itrustcapital.com pages (static and rendered), 137 help-center articles with their dates, Wayback captures from 2020 to 2026, the October 2020 terms, the January 2023 Roth custodial agreement and the May 16, 2024 notice; the 2022 Form D and D/A; IAPD, BrokerCheck, FinCEN MSB, FDIC BankFind and the New Mexico trust company list; the Connecticut order of February 13, 2024 and consent order of August 14, 2024, the Nevada cease and desist order, receivership petition and order, and Georgia's revocation order against Fortress Trust; CFPB, BBB, Trustpilot, App Store, Google Play, Reddit archive and press; Arkham, Etherscan, OKLink and Blockscout searches. All read on November 13, 2026. **Highlights** - May 16, 2024 notice: 'Fortress Trust will be resigning as iTrustCapital's Qualified Custodian.' - Connecticut order: 'On or about January 16, 2024, the North Carolina Commissioner of Banks issued a Summary Suspension and Cease and Desist Order'. - Nevada petition: 'FORTRESS's total client liability: $8,176,208' (dollars) and '$2,826,000' (digital assets), together 'the stated $11,002,208, in total custodial liabilities'. - Connecticut Bulletin 3156: Fortress 'paid $75,000 as a civil penalty' under the consent order of August 14, 2024. - Pricing page: 'In-Kind Crypto Distributions from iTrustCapital Retirement accounts will not be charged a transaction fee.' Help center: 'you may transfer out to another crypto IRA provider without having to liquidate the assets if the receiving institution allows it'. - Terms v2.3: 'ITC Advisory is registered with the Securities and Exchange Commission'; IAPD: Terminated, effective 5/14/2026. - Help center: 'Our Qualified Custodian is currently Fortis Bank.' Home: 'iTrustCapital uses a regulated, state-chartered trust company to hold the self-directed IRAs'. - Terms: 'iTrustCapital may place uninvested client cash into FBO accounts held by iTrustCapital to pre-fund Stablecoin rewards programs' (a permission; use and balances not disclosed). **Primary source pages** - Pricing page (rendered November 13, 2026): fee strip, FAQ (crypto, staking, conversions, in-kind withdrawals), footnote. - Terms of Service v2.3: custodian designation, holding periods, Annex 2 (PCA administration), Annex 4 (ITC Advisory), staking and Stablecoin Rewards Program. - Help center: 'FAQ - How are my crypto assets stored and secured?' (updated February 14, 2026), insurance, PCA withdrawals, distributions. - Home page: 'Regulated Custodian', '$18 Billion in Transactions & 300k+ Accounts', footer. - New Partner Update, May 16, 2024 (Wayback); pricing and terms captures 2023 to 2026 (Wayback). - Connecticut Banking Commissioner order against Fortress Trust LLC, February 13, 2024, and consent order, August 14, 2024 (Bulletins 3131 and 3156); Nevada FID cease and desist order (October 22, 2025), petition (October 27, 2025) and order (November 7, 2025); Georgia DBF final order of revocation (filed November 24, 2025). - Form D (accession 0001903487-22-000001) and Form D/A (accession 0001903487-22-000002); IAPD CRD 339265; FDIC CERT 34401. ## Related - Full review (HTML): https://altstreet.investments/platforms/reviews/itrustcapital - Every platform review: https://altstreet.investments/platforms/reviews - Methodology and scoring: https://altstreet.investments/platforms - Category hub: https://altstreet.investments/categories/precious-metals-bullion --- Source page: https://altstreet.investments/platforms/reviews/itrustcapital Machine index: https://altstreet.investments/llms.txt AltStreet reads what platforms, funds and issuers file with the SEC and what they tell investors, and publishes the difference. Figures are as filed or as captured on the date stated; nothing here is investment advice.