iTrustCapital is a leading fintech platform that gives long-term investors secure, tax-advantaged access to cryptocurrencies and precious metals through self-directed IRAs and Non-IRA accounts. By partnering with regulated U.S.-based custodians and operating in a closed-loop system, iTrustCapital ensures assets are fully protected—never commingled, never exposed to external wallets. The platform is for long-term investors and removes the conventional constraints of alternate investments, giving users a smooth and trustworthy means to access the blockchain economy. With no setup or monthly fees and just a 1% crypto transaction fee, the platform makes it simple to diversify with alternative assets while maintaining the highest standards of security, transparency, and compliance.

In Conversation with Kevin Maloney, the CEO of the iTrustCapital

How does iTrustCapital balance the tax advantages of self-directed IRAs with the inherent volatility of cryptocurrencies, and what strategies do you recommend to clients looking to diversify their retirement portfolios with these alternative assets?

At iTrustCapital, we’re built for long-haul investors—not short-term speculators. Our platform enables clients to buy and sell dozens of cryptocurrencies and precious metals within a self-directed IRA, allowing them to enjoy the full benefits of a tax-deferred or tax-free environment. It’s a powerful way to diversify a retirement portfolio with assets that have historically been out of reach.

While we don’t offer tax or financial advice, we’ve built a robust Learning Center packed with educational resources to help clients understand the asset class, weigh the risks, and make informed, long-term decisions about their retirement strategies.

What role does iTrustCapital’s Premium Custody Account (PCA) play as a dedicated product in protecting investors from common security threats, and how does it offer advantages over traditional custodial solutions for safeguarding digital assets?

The Premium Custody Account (PCA) was born out of a simple but important request from our clients: “Can we get institutional-level security in a non-IRA account with iTrust-level service?” So, we built it.

PCA offers a secure, user-friendly way to buy, sell, and store crypto outside of a retirement account—without the risks associated with self-custody or reliance on centralized exchanges. Unlike traditional crypto exchange platforms where assets can be quickly moved to external wallets—either by the user or through malicious access—PCA operates within a closed-loop system. This means there are no external wallet connections, eliminating the risk of assets being drained from a compromised account.

Assets are securely held 1:1 off of our corporate balance sheet with U.S.-based institutional-grade custodians, completely segregated, never loaned, commingled with corp funds, or rehypothecated. Think next-gen custody, made simple and safe for everyday investors.

How does iTrustCapital’s closed-loop system improve cryptocurrency transaction security, and what steps ensure both retail and institutional investors can confidently buy/sell cryptocurrencies and precious metals within their IRAs?

At iTrustCapital, security isn’t a feature—it’s the foundation everything else is built on. Our closed-loop ecosystem is designed to eliminate vulnerabilities, ensuring client funds can’t be drained, diverted, or exposed to external wallets. All assets are fully segregated, never loaned or rehypothecated, and held entirely off-balance sheet with highly secure, U.S.-regulated custodians. We leverage institutional-level cold storage providers to ensure maximum protection, giving clients confidence that their assets are protected, without the risks of self-custody or worry that your accounts may be compromised on large centralized crypto exchanges.

By eliminating the risks associated with centralized exchanges and self-custody (i.e.,private key management), we deliver a secure, high-integrity platform where both retail and institutional investors can participate with confidence, at a very competitive rate.

As cryptocurrencies and blockchain adoption grow, how do you see iTrustCapital evolving to address regulatory challenges and broaden access to digital assets and precious metals in retirement investing?

From day one, iTrustCapital was built with compliance, transparency, and trust at its core. As the regulatory landscape continues to evolve, so do we. Whether it’s refining our internal controls, engaging with policymakers, or launching new features that anticipate where regulation is headed—we work hard to stay ahead of the curve.

Our commitment is simple: to be a long-term, trusted partner for millions of working professionals navigating the future of retirement investing. We’re removing the friction, raising the bar on compliance, and building an award-winning ecosystem that’s ready for what’s next.

What differentiates iTrustCapital from other self-directed IRA platforms, especially regarding your low fees (no monthly/annual fees and 1% crypto transaction fee), and how do you maintain competitive pricing while delivering quality service and secure investments?

Service and simplicity. Most platforms hide behind bots or outsource support—we don’t.

Our entire Client Experience Team is based in-house at our Irvine, CA headquarters, offering real, knowledgeable support from live client service agents. That’s why we’ve earned over 9,000 five-star reviews on Trustpilot and Google.

And our pricing? Transparent and straightforward: No monthly fees, no setup or storage charges, and no exit costs. Just a flat 1% fee on crypto buy/sell transactions. By keeping things simple and partnering with world-class U.S.-based custodians, we offer high-quality service without inflating costs—earning our place as the trusted leader in the Crypto IRA arena.

We’re able to offer this pricing while maintaining award-winning service by investing in the right team and partnering with top-tier custodians. It’s this blend of affordability, security, and personal support that gives our clients long-term confidence in the iTrustCapital platform.

With multiple awards, how have these shaped your approach to customer experience, platform growth, and leadership in the Crypto IRA space?

Every award we’ve received is more than a plaque—it’s a validation of our team, vision, brand, and culture. They remind us that we’re building something meaningful and that our clients notice and appreciate what we’ve built and what we continue to expand upon based on their valuable feedback. Winning the 2024–2025 Stevie^® Award for Achievement in Customer Experience affirmed our commitment to world-class service through our fully U.S.-based support team. Being named a 2024 Deloitte Technology Fast 500 Winner confirmed we’re scaling fast—and doing it responsibly.

Our WebAward for Best Cryptocurrency Website proved that retirement tools don’t have to be intimidating—they can be intuitive and user-friendly. Recognitions like the U.S. FinTech Award, Wealth & Finance’s Best Crypto IRA Platform, and #1 Crypto IRA Platform from the IMA Impact Awards have solidified our leadership in the space.

We’re proud—but we’re not done. Every win pushes us to keep innovating, keep improving, and keep showing up for our clients.

Kevin Maloney | Short Bio

Kevin Maloney, CEO of iTrustCapital, has played a critical role in transitioning the company from an early stage fintech platform to a leader in the tax-advantaged, self-directed cryptocurrency and precious metals markets. Leveraging his knowledge and expertise in finance, regulatory compliance, and alternative investments, Kevin is passionate about the company’s client-first culture and developing easily accessible, secure, and low cost investment opportunities for retail and institutional clients. Under his leadership iTrustCapital has become one of the most respected names in the Crypto IRA space, supporting hundreds of thousands of working professionals across the U.S. with more than $14B in transactions executed to date. His emphasis on service, security, and compliance has made iTrustCapital a trusted brand and the go-to fintech platform within the tax-advantaged digital asset arena. www.itrustcapital.com

“iTrustCapital’s fintech platform is disrupting the self-directed IRA industry by utilizing technology to offer a low cost, transparent and easy-to-use platform for investing in alternative assets using Individual Retirement Accounts.”

“iTrustCapital eliminates the costly inefficiencies and outdated processes of previous IRA models, opening the door for working professionals to easily access cryptocurrency and physical Gold or Silver, leveraging a secure closed-loop system and U.S.-based institutional grade custody.”