iTrustCapital vs BitcoinIRA: A Multi-Asset Crypto IRA Comparison

iTrustCapital and BitcoinIRA are the two largest dedicated multi-asset crypto IRA providers in the United States. Both offer Bitcoin alongside a broader crypto asset universe, both use single-custodian custody at major qualified custodians, and both have meaningful operational scale in the dedicated Bitcoin IRA category. The comparison between them is a comparison within a tier rather than across tiers, with the differences arising in custody choice, fee transparency, asset breadth, and operational history.

Key Takeaways

• iTrustCapital and BitcoinIRA both occupy the multi-asset crypto IRA tier, with Bitcoin supported alongside a broader crypto universe
• iTrustCapital uses Coinbase Custody as the underlying custodian; BitcoinIRA uses BitGo
• Fee structures are meaningfully different: iTrustCapital charges 1% per trade with no annual fee; BitcoinIRA uses a variable structure with per-transaction fees ranging from 1% to 5%
• BitcoinIRA has the longest operational tenure in the dedicated Bitcoin IRA category (since 2016); iTrustCapital launched in 2018
• Asset breadth favors BitcoinIRA (60+ crypto assets) over iTrustCapital (30+)
• Minimum investments differ: iTrustCapital $1,000, BitcoinIRA $3,000
• The selection between them depends on holder priorities around custodian preference, fee transparency, and asset breadth requirements

Two Multi-Asset Crypto IRA Providers

iTrustCapital

iTrustCapital launched in 2018 and has scaled to become one of the largest multi-asset crypto IRA providers in the United States by total account count. The platform supports Bitcoin alongside 30 or more other crypto assets, with custody routed through Coinbase Custody under a NYDFS limited-purpose trust company charter.

The defining characteristic is the combination of operational maturity at scale with a transparent flat per-trade fee structure. Holders pay no annual custody fee and incur a 1% trading fee on buys and sells, with the structure most cost-effective for holders maintaining large positions and trading infrequently.

BitcoinIRA

BitcoinIRA was the first dedicated Bitcoin IRA provider in the United States, launched in 2016, and remains one of the largest by total accounts and assets under management. The platform supports Bitcoin alongside 60 or more crypto assets, with custody routed through BitGo's qualified custody under a South Dakota trust charter.

The defining characteristic is the depth of operational tenure combined with the broader asset universe. The fee structure is variable and includes setup fees, custody fees, and per-transaction fees that can range from 1% to 5% depending on configuration.

Side-by-Side Comparison

Custody

• iTrustCapital: Single-custodian cold storage through Coinbase Custody
• BitcoinIRA: Single-custodian cold storage through BitGo

Both custodians are established qualified custodians with strong regulatory standing. Coinbase Custody operates under NYDFS limited-purpose trust company charter; BitGo operates under South Dakota trust charter and became publicly traded in 2026.

Fee Structure

• iTrustCapital: No annual custody fee. 1% per-trade fee on buys and sells. Transparent flat rate
• BitcoinIRA: Variable structure including setup fees, custody fees, and per-trade fees of 1% to 5% depending on configuration

iTrustCapital's fee structure is the more transparent of the two. Holders evaluating BitcoinIRA should obtain a detailed fee schedule reflecting their specific position size and configuration before opening an account.

Asset Breadth

• iTrustCapital: 30+ crypto assets including Bitcoin, Ethereum, and major altcoins
• BitcoinIRA: 60+ crypto assets, with broader support extending to lower-cap tokens

For holders who want exposure to a wider universe of tokens inside the IRA wrapper, BitcoinIRA's coverage is the more comprehensive option.

Minimum Investment

• iTrustCapital: $1,000
• BitcoinIRA: $3,000

Account Types Supported

• iTrustCapital: Traditional, Roth, SEP, SIMPLE
• BitcoinIRA: Traditional, Roth, SEP, Solo 401(k)

Operational History

• iTrustCapital: Launched 2018, scaled to high account count quickly
• BitcoinIRA: Launched 2016, longest operational history in the dedicated Bitcoin IRA category

Rollover Support

Both providers support direct rollover from 401(k), 403(b), and existing IRA accounts. BitcoinIRA's onboarding workflow includes concierge support; iTrustCapital's workflow is structured for higher-volume self-service.

Inheritance

Both providers offer standard IRA beneficiary designation. Neither offers the deep trust integration of Tier 1 distributed-custody providers.

Where iTrustCapital Wins

• Transparent flat per-trade fee without setup or custody fees
• Lower minimum investment ($1,000 vs $3,000)
• Coinbase Custody as the underlying custodian (the largest qualified Bitcoin custodian in the US)
• SIMPLE IRA support for small business holders
• Self-service workflow for high-volume onboarding

Where BitcoinIRA Wins

• Longest operational tenure in the dedicated Bitcoin IRA category
• Broader asset universe (60+ crypto assets)
• Concierge customer support during onboarding
• Solo 401(k) support for self-employed holders
• BitGo as custodian for holders who prefer that institution's regulatory framework

Decision Framework

Holders for Whom iTrustCapital Is the Stronger Fit

• Holders prioritizing transparent fee structure over variable pricing
• Holders with smaller starting positions ($1,000 to $10,000)
• Holders requiring SIMPLE IRA support
• Holders who prefer Coinbase Custody as the underlying custodian

Holders for Whom BitcoinIRA Is the Stronger Fit

• Holders prioritizing operational tenure and the longest track record
• Holders wanting broader crypto asset exposure beyond Bitcoin and major altcoins
• Holders requiring concierge customer support during onboarding
• Holders requiring Solo 401(k) support
• Holders who prefer BitGo as the underlying custodian

Holders for Whom Neither Is Ideal

• Holders prioritizing distributed custody architecture should evaluate Onramp's multi-institution custody or Unchained's collaborative custody
• Holders wanting Bitcoin-only orientation should evaluate Onramp, Unchained, or Swan
• Holders with multi-asset alternative allocations beyond crypto should evaluate self-directed IRA platforms like Choice

Evaluating This Comparison with Proof of Custody

Both iTrustCapital and BitcoinIRA serve the multi-asset crypto IRA tier, and the selection between them depends on holder priorities around fee structure, asset breadth, and underlying custodian preference. The full Proof of Custody methodology in Bitcoin IRA Scoring Methodology weights custody security at 30%, which is the dimension where both providers face similar single-custodian concentration risk that the distributed-custody alternatives in Tier 1 structurally avoid.

Related reading:

• Best Bitcoin IRA Providers 2026
• Onramp IRA vs iTrustCapital
• Onramp IRA vs BitcoinIRA