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Fit follows the custody model, not the brand.
You hold most keys, the provider holds one, and no single party can move funds alone.
One company holds the keys; you hold a claim on the company.
Unchained IRA and iTrust Capital both operate in the Bitcoin IRA space, but they take fundamentally different approaches to how your bitcoin is held. Unchained IRA scores 81/100 (B+) versus 65/100 (C+) for iTrust Capital. The 16-point spread is meaningful — it usually comes down to custody architecture and fee structure.
Custody and security — the most heavily weighted category in our methodology at 35% — tilts 25 points toward Unchained IRA (90 vs. 65). Unchained IRA eliminates single points of failure in its custody architecture, while iTrust Capital relies on a model where one compromised entity could put your bitcoin at risk.
Here's the key difference: Unchained IRA has no single point of failure (Collaborative Multisig IRA), while iTrust Capital does (Custodial IRA). This matters because a single-point-of-failure model means one compromised entity — whether through a hack, insolvency, or government action — could result in total loss of funds. History has proven this risk is not theoretical. FTX, Celsius, and BlockFi all represented single points of failure for their users.
Unchained IRA is the clear choice here, outscoring iTrust Capital by 16 points across our six-category methodology. Keep in mind these platforms target different audiences — Unchained IRA is built for retirement, while iTrust Capital serves crypto ira. One thing to watch with iTrust Capital: single custodian. broad crypto focus, not bitcoin-specialized.. The data speaks for itself — but always verify our methodology and do your own due diligence before moving bitcoin to any platform.
Based on our six-category scoring methodology, Unchained IRA scores higher at 81/100 compared to 65/100. The biggest differentiator is custody security, which accounts for 35% of the overall score. However, the right choice depends on your individual needs — review the category breakdown above.
Unchained IRA scored 90/100 on custody and security in our methodology. It has no single point of failure, distributing custody across multiple entities. Its custody model is classified as Collaborative Multisig IRA. Always verify these details and do your own research.
Yes. iTrust Capital uses a Custodial IRA model, which means a single compromised entity could put your bitcoin at risk. This is a structural concern for long-term holders.
Unchained IRA charges $250/yr + 1.5% trading. iTrust Capital charges 1% per trade, $0 annual. Unchained IRA scored 68/100 on fees versus 68/100 for iTrust Capital in our methodology.
Unchained IRA does not advertise a dedicated inheritance feature. iTrust Capital does not advertise a dedicated inheritance feature. Match the mechanism, whether beneficiary designation, trust titling, or key inheritance, to your estate plan.
Unchained IRA's custody insurance is not publicly disclosed. iTrust Capital's custody insurance is not publicly disclosed. Custody insurance covers specific named events up to shared limits, not price loss or every failure mode. Verify current terms before relying on coverage.
Unchained IRA involves the holder in key control. iTrust Capital manages keys for you; you hold none. This is the core structural difference to weigh.