Cryptocurrency has taken the financial world by storm over the last decade, reshaping how individuals think about investing, storing value, and building wealth. While many investors have bought and traded crypto through exchanges like Coinbase or Binance, fewer know about the possibility of holding cryptocurrency in a tax-advantaged IRA account. That’s where iTrustCapital steps in.
We had the opportunity to sit down with a representative from iTrustCapital to discuss how their platform works, what makes a Crypto IRA a smart long-term strategy, and how investors can take advantage of this innovative way to save for retirement while benefiting from the explosive growth potential of digital assets.
Q: Thanks for joining us, Blake. To start off, can you tell us what iTrustCapital is and what you offer?
Blake: Absolutely. At iTrustCapital, our mission is to help Americans build wealth by enabling them to invest in cryptocurrencies and physical gold within their Individual Retirement Accounts (IRAs). We’re the leading Crypto IRA platform in the U.S., and we make it simple and affordable for individuals to buy and sell cryptocurrencies like Bitcoin, Ethereum, and over 25 other digital assets within tax-advantaged retirement accounts.
We offer both Traditional and Roth IRAs, as well as SEP IRAs for self-employed individuals and small business owners. Our platform brings together the growth potential of crypto with the long-term benefits of retirement investing.
Q: Why would someone want to hold crypto in an IRA instead of just using a regular exchange?
Blake: Great question. The main reason is tax efficiency. If you buy crypto in a standard brokerage account, every time you sell or trade, you’re triggering a taxable event. With an IRA, you can trade assets freely without paying capital gains taxes, as long as the funds stay in the account.
For a Roth IRA, you contribute post-tax dollars, but your investments grow completely tax-free, and withdrawals in retirement are also tax-free. That’s a powerful combo if you believe in the long-term growth of crypto assets.
Q: How does it actually work? What’s the process of setting up a Crypto IRA with iTrustCapital?
Blake: We’ve streamlined the entire process. It’s all online and takes just a few minutes to open an account. Here’s a simple breakdown:
We work with regulated custodians and trusted security partners like Fireblocks to ensure assets are safe and compliant with IRS regulations. Our fees are also among the most competitive in the space—1% per trade and no monthly account fees.
Q: Security is a huge concern in crypto. How does iTrustCapital protect its users?
Blake: We take security extremely seriously. All crypto assets are stored through Fireblocks, a leading institutional-grade digital asset custody provider. They use multi-party computation (MPC) and offline cold storage to ensure the highest level of protection.
Additionally, we never commingle client funds, and we work with regulated custodians like Fortress Trust to ensure transparency and compliance. Users can also set up two-factor authentication, whitelisting, and other protective measures to secure their accounts.
Q: What kind of assets can users invest in on your platform?
Blake: As of today, we offer over 25+ cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Chainlink (LINK), Polkadot (DOT), and many others. We also allow investors to hold physical gold and silver—which can be a great hedge against inflation or market volatility.
We’re constantly evaluating new assets and listening to customer feedback to expand our offerings responsibly.
Q: Let’s talk strategy. How do you view the role of crypto in a long-term retirement portfolio?
Blake: Crypto is still a relatively young asset class, but it’s becoming increasingly recognized for its potential to outperform traditional markets over the long term. When viewed through the lens of retirement investing—especially with a 10, 20, or 30-year time horizon—crypto becomes a compelling asset to consider.
Diversifying a retirement portfolio with a small allocation to crypto (say 1–10%) can significantly improve its overall performance, especially if we see continued adoption and innovation in the blockchain space. And with the tax benefits of an IRA, you keep more of your gains.
Q: What’s the most common misconception people have about Crypto IRAs?
Blake: One common myth is that they’re complicated or hard to set up—but in reality, we’ve built iTrustCapital to make it easy and seamless. Another misconception is around security—people worry about losing their assets to hacks or scams. But as I mentioned, we partner with best-in-class custodians and infrastructure providers to eliminate those risks.
We also get asked a lot about regulations—our platform is designed to be fully IRS-compliant, and we have specialists who help guide users through the process, especially when rolling over existing retirement accounts.
Q: Where do you see iTrustCapital—and Crypto IRAs in general—going in the next 5 to 10 years?
Blake: I think we’re just at the beginning. As crypto becomes more integrated into the global financial system, more investors will want to include it in their retirement planning. I believe Crypto IRAs will become a mainstream financial product.
At iTrustCapital, we’re focused on continuously improving our platform, expanding our asset offerings, and providing the tools and education people need to take control of their financial futures. Our vision is to empower individuals to build generational wealth through smart, tax-advantaged investing in innovative assets.
For those who believe in the future of crypto and want to benefit from its growth without sacrificing tax efficiency, iTrustCapital provides an accessible and secure platform to start building a crypto-powered retirement portfolio.
Whether you’re rolling over an old 401(k) or starting fresh with a new Roth IRA, a Crypto IRA could be a smart way to diversify your long-term investments—and potentially amplify your wealth over time.
Ready to get started? Visit iTrustCapital.com to learn more and open your Crypto IRA today.
Disclaimer: This article is for informational purposes only and should not be considered financial advice. Always consult with a licensed financial advisor before making investment decisions.