{"id":4263,"date":"2022-12-22T16:35:47","date_gmt":"2022-12-22T16:35:47","guid":{"rendered":"https:\/\/www.wallstreetzen.com\/blog\/?p=4263"},"modified":"2026-08-26T16:33:27","modified_gmt":"2026-08-26T16:33:27","slug":"itrustcapital-review","status":"publish","type":"post","link":"https:\/\/www.wallstreetzen.com\/blog\/itrustcapital-review\/","title":{"rendered":"iTrustCapital Review &#8211; Is this the Best Crypto IRA? (September 2026)"},"content":{"rendered":"\n<p>If you\u2019re a long-term investor in Bitcoin or other cryptocurrencies, you may want to consider a retirement account.<\/p>\n\n\n\n<p>iTrustCapital is an investment company that offers self-directed IRA (SDIRA) accounts, allowing you to invest in cryptocurrencies \u2014 as well as precious metals \u2014 in a tax-advantaged account.<\/p>\n\n\n\n<p>Here\u2019s my iTrustCapital review and a complete breakdown of its features, fees, supported assets, user experience, and how it stacks up against Bitcoin IRA: <\/p>\n\n\n\n<h2 id=\"h.oh6k8rt141rv\"><strong>Is iTrustCapital Legit?<\/strong><\/h2>\n\n\n\n<p><strong>The Bottom Line: Yes, <\/strong><a href=\"https:\/\/www.wallstreetzen.com\/go\/itrustcapital\" target=\"_blank\"><strong>iTrustCapital<\/strong><\/a> is legit based on an apparent history. The platform is great for long-term investors to invest in cryptocurrencies and precious metals in tax-efficient retirement accounts.<\/p>\n\n\n\n<p>iTrustCapital offers self-directed IRA (SDIRA) accounts that allow you to invest in traditional and alternative assets, including cryptocurrencies and precious metals. Outside of their IRAs, they also offer Premium Custody Accounts for taxable investing. Its low fees and top-notch security make iTrustCapital one of the best ways (if not the best way) to invest in crypto, gold, or silver within a retirement account.<\/p>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-vivid-cyan-blue-background-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/itrustcapital\" target=\"_blank\" rel=\"noopener\"><strong>Get started on iTrustCapital<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 id=\"h.2499bg71rkq2\"><strong>What is iTrustCapital?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/itrustcapital\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" width=\"800\" height=\"400\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2022\/12\/iTrustCapital-Logo.jpeg\" alt=\"itrustcapital review\" class=\"wp-image-4281\" srcset=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2022\/12\/iTrustCapital-Logo.jpeg 800w, https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2022\/12\/iTrustCapital-Logo-768x384.jpeg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.wallstreetzen.com\/go\/itrustcapital\" target=\"_blank\">iTrustCapital<\/a> is a fintech software platform that allows clients to buy and sell cryptocurrencies and physical gold and silver in real-time within tax-efficient retirement accounts.<\/p>\n\n\n\n<p><\/p>\n\n\n    <div id=\"callout-box-block_c439b2806d7e7340676f80a871ab09fc\" class=\"callout-box info\">\n        <div class=\"callout-box__icon-wrapper\">\n            <svg focusable=\"false\" class=\"callout-box__icon info\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                <path d=\"M12 3c-.46 0-.93.04-1.4.14-2.76.53-4.96 2.76-5.48 5.52-.48 2.61.48 5.01 2.22 6.56.43.38.66.91.66 1.47V19c0 1.1.9 2 2 2h.28c.35.6.98 1 1.72 1s1.38-.4 1.72-1H14c1.1 0 2-.9 2-2v-2.31c0-.55.22-1.09.64-1.46C18.09 13.95 19 12.08 19 10c0-3.87-3.13-7-7-7zm2 16h-4v-1h4v1zm0-2h-4v-1h4v1zm-1.5-5.59V14h-1v-2.59L9.67 9.59l.71-.71L12 10.5l1.62-1.62.71.71-1.83 1.82z\"><\/path>            <\/svg>\n        <\/div>\n        <div class=\"callout-box__content\"><p>Retirement accounts allow your investments to grow without capital gains taxes and offer valuable tax advantages*, helping your portfolio compound more efficiently than in a regular taxable account.<\/p>\n<\/div>\n    <\/div>\n\n\n\n<p><a href=\"https:\/\/www.wallstreetzen.com\/go\/itrustcapital\" target=\"_blank\">iTrustCapital<\/a> has processed more than $16 billion in transaction volume for 250k+ accounts since inception. This allows you to buy or sell crypto in real-time, as opposed to a small lag (and inflated prices) on other platforms.<\/p>\n\n\n\n<p>iTrustCapital supports multiple types of IRAs offered on the platform, including Traditional, Roth, and SEP IRAs. You can even rollover your existing workplace retirement account (such as a 401k) into an <a href=\"https:\/\/www.wallstreetzen.com\/go\/itrustcapital\" target=\"_blank\">iTrustCapital IRA<\/a>.<\/p>\n\n\n\n<p><\/p>\n\n\n    <div id=\"callout-box-block_74cf4f7b6f3781410f839d007e51b50e\" class=\"callout-box info\">\n        <div class=\"callout-box__icon-wrapper\">\n            <svg focusable=\"false\" class=\"callout-box__icon info\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                <path d=\"M12 3c-.46 0-.93.04-1.4.14-2.76.53-4.96 2.76-5.48 5.52-.48 2.61.48 5.01 2.22 6.56.43.38.66.91.66 1.47V19c0 1.1.9 2 2 2h.28c.35.6.98 1 1.72 1s1.38-.4 1.72-1H14c1.1 0 2-.9 2-2v-2.31c0-.55.22-1.09.64-1.46C18.09 13.95 19 12.08 19 10c0-3.87-3.13-7-7-7zm2 16h-4v-1h4v1zm0-2h-4v-1h4v1zm-1.5-5.59V14h-1v-2.59L9.67 9.59l.71-.71L12 10.5l1.62-1.62.71.71-1.83 1.82z\"><\/path>            <\/svg>\n        <\/div>\n        <div class=\"callout-box__content\"><p>Traditional IRAs help you save on taxes in the current year, while a Roth IRA is tax-free in retirement. A SEP IRA allows small business owners (and their employees) and self-employed individuals to invest in a retirement account, with higher contribution limits than standard IRA accounts.<\/p>\n<\/div>\n    <\/div>\n\n\n\n<p>In addition to their IRAs, you can invest outside of a retirement account with iTrustCapitals\u2019 Premium Custody Account for taxable investing.<\/p>\n\n\n\n<p>There are currently over <a href=\"https:\/\/www.wallstreetzen.com\/go\/itrustcapital\" target=\"_blank\">100 cryptocurrencies<\/a> available to invest in, as well as stocks, ETFs**, physical gold, silver, and platinum.<\/p>\n\n\n\n<h2 id=\"h.vt6xgg1mmb74\"><strong>iTrustCapital Fees and Minimums<\/strong><\/h2>\n\n\n<ol>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><strong>Minimum investment<\/strong>: $1,000 \u00a0<\/li>\n<li><strong>Crypto transaction fees<\/strong>: 1%<\/li>\n<li><strong>Gold transaction fees<\/strong>: Over spot price (per ounce)<\/li>\n<li><strong>Silver transaction fees<\/strong>: Over spot price (per ounce)<\/li>\n<li><strong>Traditional IRA to SEP or Roth Conversion<\/strong>: $75 (one-time fee)<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n<p>iTrustCapital\u2019s crypto transaction fees are on-par with many major cryptocurrency exchanges, and lower than other crypto IRA accounts.<\/p>\n\n\n    <div id=\"callout-box-block_2b4f87a8f91963f711022bace49c31c5\" class=\"callout-box info\">\n        <div class=\"callout-box__icon-wrapper\">\n            <svg focusable=\"false\" class=\"callout-box__icon info\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                <path d=\"M12 3c-.46 0-.93.04-1.4.14-2.76.53-4.96 2.76-5.48 5.52-.48 2.61.48 5.01 2.22 6.56.43.38.66.91.66 1.47V19c0 1.1.9 2 2 2h.28c.35.6.98 1 1.72 1s1.38-.4 1.72-1H14c1.1 0 2-.9 2-2v-2.31c0-.55.22-1.09.64-1.46C18.09 13.95 19 12.08 19 10c0-3.87-3.13-7-7-7zm2 16h-4v-1h4v1zm0-2h-4v-1h4v1zm-1.5-5.59V14h-1v-2.59L9.67 9.59l.71-.71L12 10.5l1.62-1.62.71.71-1.83 1.82z\"><\/path>            <\/svg>\n        <\/div>\n        <div class=\"callout-box__content\"><p><span style=\"font-weight: 400;\">Gold transaction fees are over spot per ounce at current prices, which aligns with the industry average. The silver transaction fee is also set over spot.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But to put it in perspective, keep in mind that other gold IRA providers have premiums \u2014 meaning they charge more than just a transaction fee. They may charge commissions, storage and annual etc.<\/span><\/p>\n<\/div>\n    <\/div>\n\n\n\n<h2 id=\"h.43tibtz022iq\"><strong>How Does iTrustCapital Work?<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.wallstreetzen.com\/go\/itrustcapital\" target=\"_blank\">iTrustCapital<\/a> is an investment platform that supports individual retirement accounts.<\/p>\n\n\n\n<p>You can sign up, deposit funds, and start investing in alternative assets, including cryptocurrency, gold, and silver. You can also invest in 10,000 stocks and ETFs. Also, you can choose between a Traditional or Roth IRA, or open a SEP IRA if you are self-employed or a business owner.<\/p>\n\n\n\n<p>For the IRAs, you can fund your account in USD or transfer supported assets in-kind from another self-directed IRA platform. For Premium Custody Accounts, you can fund with either USD or transfer eligible crypto in-kind.<\/p>\n\n\n\n<p>There is a $1,000 minimum to open an account.<\/p>\n\n\n\n<p>iTrustCapital has a simple user interface for buying and selling cryptocurrency, stocks, ETFs, and precious metals:<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2022\/12\/Untitled-18.png\" alt=\"best crypto ira\"\/><\/figure><\/div>\n\n\n<p>To access stocks and ETFs, users must complete a brief onboarding process to open a brokerage account through Apex Clearing Corporation, an SEC registered broker-dealer, member of FINRA and SIPC.<\/p>\n\n\n\n<p>iTrustCapital also supports <a href=\"https:\/\/www.wallstreetzen.com\/go\/itrustcapital\" target=\"_blank\">crypto staking<\/a>, which is a way to earn interest on your crypto investments. Currently, only two assets are supported (ETH &amp; SOL), and iTrustCapital does take a 22% cut of the profits earned from staking ETH or SOL, but the process is simple and all interest is earned within your account.<\/p>\n\n\n\n<p>Crypto assets are stored with\u00a0 third-party institutional storage providers via Fireblocks, <a href=\"http:\/\/wallstreetzen.com\/go\/coinbase\" target=\"_blank\">Coinbase<\/a> Custody, and Fidelity Digital Assets. Clients\u2019 assets are never lent out or invested as some crypto exchanges do (ahem\u2026FTX), but are stored solely for client use.<\/p>\n\n\n\n<p>Upon reaching retirement age (59.5 for IRA accounts), you can begin taking distributions from the IRA account. This includes transferring crypto assets into your own digital wallet for self-custody. You cannot take custody of crypto assets before retirement age, as the IRS prohibits this. However you can take an in-kind distribution if the custodian transfers it into your personal wallet &#8211; you cannot take possession before the formal distribution is processed by the custodian.<\/p>\n\n\n    <div id=\"callout-box-block_287cccec44313439fdef297597e22eda\" class=\"callout-box info\">\n        <div class=\"callout-box__icon-wrapper\">\n            <svg focusable=\"false\" class=\"callout-box__icon info\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                <path d=\"M12 3c-.46 0-.93.04-1.4.14-2.76.53-4.96 2.76-5.48 5.52-.48 2.61.48 5.01 2.22 6.56.43.38.66.91.66 1.47V19c0 1.1.9 2 2 2h.28c.35.6.98 1 1.72 1s1.38-.4 1.72-1H14c1.1 0 2-.9 2-2v-2.31c0-.55.22-1.09.64-1.46C18.09 13.95 19 12.08 19 10c0-3.87-3.13-7-7-7zm2 16h-4v-1h4v1zm0-2h-4v-1h4v1zm-1.5-5.59V14h-1v-2.59L9.67 9.59l.71-.71L12 10.5l1.62-1.62.71.71-1.83 1.82z\"><\/path>            <\/svg>\n        <\/div>\n        <div class=\"callout-box__content\"><p><span style=\"font-weight: 400;\">Crypto withdrawals may be a taxable event. Consult with a tax professional before withdrawing your crypto from the platform.<\/span><\/p>\n<p><br style=\"font-weight: 400;\" \/><br style=\"font-weight: 400;\" \/><\/p>\n<\/div>\n    <\/div>\n\n\n\n<p>Physical gold and silver sold on the platform are stored by the Royal Canadian Mint.<\/p>\n\n\n\n<h2 id=\"h.scxvhqi698o3\"><strong>How to Sign Up For an iTrustCapital&nbsp;IRA <\/strong><\/h2>\n\n\n\n<p>To apply for an iTrustCapital IRA, you will need to <a href=\"https:\/\/www.wallstreetzen.com\/go\/itrustcapital\" target=\"_blank\">submit an application<\/a> (similar to signing up for an IRA with a traditional financial firm):<\/p>\n\n\n<ol>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Choose a type of IRA (Traditional, Roth, SEP)<\/li>\n<li>Choose how to fund the account<\/li>\n<li>Nominate at least one beneficiary<\/li>\n<li>Submit some personal information (legal name, address, and social security number)<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n<p>Once the application is submitted, the account can be funded from your bank account, your IRA, or an old workplace retirement account like a 401(k), 403(b), etc.<\/p>\n\n\n\n<p>You are required to have earned income to qualify for an IRA and you can only invest up to the annual limits within the account ($7,500 as of 2026 if you\u2019re under 50; $8,600 if you\u2019re 50 or older). Joint accounts are not available and you cannot open a spousal IRA through iTrustCapital at this time.<\/p>\n\n\n\n<h2 id=\"h.xo74y8syfa43\"><strong>What Assets are on iTrustCapital?<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.wallstreetzen.com\/go\/itrustcapital\" target=\"_blank\">iTrustCapital<\/a> supports crypto, stocks, ETFs and physical gold and silver. All can be traded directly on the platform, and prices and fees are easily accessible.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2022\/12\/Untitled-19.png\" alt=\"itrustcapital assets\"\/><\/figure><\/div>\n\n\n<p>There are currently over 100 cryptocurrencies\u00a0supported on the platform, including:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"mtr-table mtr-tr-td\"><tbody><tr><td data-mtr-content=\"Bitcoin\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Bitcoin<\/div><\/td><td data-mtr-content=\"XRP\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">XRP<\/div><\/td><td data-mtr-content=\"Solana\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Solana<\/div><\/td><td data-mtr-content=\"Sui\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Sui<\/div><\/td><td data-mtr-content=\"Ethereal\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Ethereal<\/div><\/td><td data-mtr-content=\"Hedera\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Hedera<\/div><\/td><\/tr><tr><td data-mtr-content=\"Bitcoin\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Cardano<\/div><\/td><td data-mtr-content=\"XRP\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Dogecoin<\/div><\/td><td data-mtr-content=\"Solana\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Stellar<\/div><\/td><td data-mtr-content=\"Sui\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Ondo<\/div><\/td><td data-mtr-content=\"Ethereal\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Chainlink<\/div><\/td><td data-mtr-content=\"Hedera\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Curve DAO <br>Token<\/div><\/td><\/tr><tr><td data-mtr-content=\"Bitcoin\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Bittensor<\/div><\/td><td data-mtr-content=\"XRP\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Avalanche<\/div><\/td><td data-mtr-content=\"Solana\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Algorand <\/div><\/td><td data-mtr-content=\"Sui\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Render <br>Network<\/div><\/td><td data-mtr-content=\"Ethereal\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Sonic<\/div><\/td><td data-mtr-content=\"Hedera\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Pepe<\/div><\/td><\/tr><tr><td data-mtr-content=\"Bitcoin\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Gigachad<\/div><\/td><td data-mtr-content=\"XRP\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">The Graph<\/div><\/td><td data-mtr-content=\"Solana\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Orca<\/div><\/td><td data-mtr-content=\"Sui\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Sei <\/div><\/td><td data-mtr-content=\"Ethereal\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">NEAR<br>Protocol<\/div><\/td><td data-mtr-content=\"Hedera\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">VeChain<\/div><\/td><\/tr><tr><td data-mtr-content=\"Bitcoin\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Dogwifhat<\/div><\/td><td data-mtr-content=\"XRP\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Echelon Prime<\/div><\/td><td data-mtr-content=\"Solana\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Fetch.ai<\/div><\/td><td data-mtr-content=\"Sui\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Bonk<\/div><\/td><td data-mtr-content=\"Ethereal\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Flare<\/div><\/td><td data-mtr-content=\"Hedera\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Quant<\/div><\/td><\/tr><tr><td data-mtr-content=\"Bitcoin\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Internet<br>Computer<\/div><\/td><td data-mtr-content=\"XRP\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Cosmos <\/div><\/td><td data-mtr-content=\"Solana\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Aave<\/div><\/td><td data-mtr-content=\"Sui\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Shiba Inu<\/div><\/td><td data-mtr-content=\"Ethereal\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Polkadot<\/div><\/td><td data-mtr-content=\"Hedera\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">AIOZ Network<\/div><\/td><\/tr><tr><td data-mtr-content=\"Bitcoin\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Aptos<\/div><\/td><td data-mtr-content=\"XRP\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Injective<\/div><\/td><td data-mtr-content=\"Solana\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Gala <\/div><\/td><td data-mtr-content=\"Sui\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Litecoin<\/div><\/td><td data-mtr-content=\"Ethereal\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Official<br>Trump<\/div><\/td><td data-mtr-content=\"Hedera\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Berachain<\/div><\/td><\/tr><tr><td data-mtr-content=\"Bitcoin\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Polygon <br>Ecosystem<br>Token<\/div><\/td><td data-mtr-content=\"XRP\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">MooDeng<\/div><\/td><td data-mtr-content=\"Solana\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Maker<\/div><\/td><td data-mtr-content=\"Sui\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Toncoin<\/div><\/td><td data-mtr-content=\"Ethereal\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Filecoin<\/div><\/td><td data-mtr-content=\"Hedera\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Immutable<\/div><\/td><\/tr><tr><td data-mtr-content=\"Bitcoin\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Uniswap<\/div><\/td><td data-mtr-content=\"XRP\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">SushiSwap<\/div><\/td><td data-mtr-content=\"Solana\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Bitcoin Cash<\/div><\/td><td data-mtr-content=\"Sui\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Helium<\/div><\/td><td data-mtr-content=\"Ethereal\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Optimism<\/div><\/td><td data-mtr-content=\"Hedera\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Decentraland<\/div><\/td><\/tr><tr><td data-mtr-content=\"Bitcoin\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Axelar<\/div><\/td><td data-mtr-content=\"XRP\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Arbitrum<\/div><\/td><td data-mtr-content=\"Solana\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">The Sandbox<\/div><\/td><td data-mtr-content=\"Sui\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Floki Inu <\/div><\/td><td data-mtr-content=\"Ethereal\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Stacks<\/div><\/td><td data-mtr-content=\"Hedera\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Compound<\/div><\/td><\/tr><tr><td data-mtr-content=\"Bitcoin\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">yearn.finance<\/div><\/td><td data-mtr-content=\"XRP\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Flow<\/div><\/td><td data-mtr-content=\"Solana\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">EOS<\/div><\/td><td data-mtr-content=\"Sui\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">ApeCoin<\/div><\/td><td data-mtr-content=\"Ethereal\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Axie Infinity<\/div><\/td><td data-mtr-content=\"Hedera\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Tezos<\/div><\/td><\/tr><tr><td data-mtr-content=\"Bitcoin\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">MetisDAO<\/div><\/td><td data-mtr-content=\"XRP\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Celestia<\/div><\/td><td data-mtr-content=\"Solana\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Lido DAO<\/div><\/td><td data-mtr-content=\"Sui\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Chiliz<\/div><\/td><td data-mtr-content=\"Ethereal\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Jito<\/div><\/td><td data-mtr-content=\"Hedera\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">1inch<\/div><\/td><\/tr><tr><td data-mtr-content=\"Bitcoin\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Basic <br>Attention<br>Token <\/div><\/td><td data-mtr-content=\"XRP\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Cronos<\/div><\/td><td data-mtr-content=\"Solana\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Dash<\/div><\/td><td data-mtr-content=\"Sui\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Fartcoin<\/div><\/td><td data-mtr-content=\"Ethereal\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Hyperliquid<\/div><\/td><td data-mtr-content=\"Hedera\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Mantle<\/div><\/td><\/tr><tr><td data-mtr-content=\"Bitcoin\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Marinade<\/div><\/td><td data-mtr-content=\"XRP\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Peanut the<br>Squirrel<\/div><\/td><td data-mtr-content=\"Solana\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Pudgy <br>Penguins<\/div><\/td><td data-mtr-content=\"Sui\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Popcat<\/div><\/td><td data-mtr-content=\"Ethereal\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Sky<\/div><\/td><td data-mtr-content=\"Hedera\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Starknet<\/div><\/td><\/tr><tr><td data-mtr-content=\"Bitcoin\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Toncoin<\/div><\/td><td data-mtr-content=\"XRP\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">World Liberty<br>Finance<\/div><\/td><td data-mtr-content=\"Solana\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">XDC Network<\/div><\/td><td data-mtr-content=\"Sui\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Zcash<\/div><\/td><td data-mtr-content=\"Ethereal\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">ZKSync<\/div><\/td><td data-mtr-content=\"Hedera\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><\/div><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.wallstreetzen.com\/go\/itrustcapital\" target=\"_blank\" rel=\"noopener\">See all the cryptocurrencies offered here<\/a>.<\/p>\n\n\n\n<h3 id=\"h.buy9e9word2k\"><strong>Pros and Cons of iTrustCapital<\/strong><\/h3>\n\n\n\n<h4 id=\"h.iybzhbm55igd\"><strong>Pros<\/strong><\/h4>\n\n\n<ol>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Buy and sell\u00a0 crypto, stocks, ETFs, gold, and silver in tax-advantaged accounts. iTrustCapital is one of the few companies that offers crypto, stocks, ETFs, and precious metals within a retirement account. You can buy and sell\u00a0 without causing a taxable event, and both traditional and Roth IRA accounts are available.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Real-time pricing and trading. iTrustCapital offers real-time pricing for trading gold, silver, stocks, ETFs, and all cryptocurrencies. This allows you to get a fair market price for each asset, and transactions happen instantly, instead of waiting until end-of-day or until market close (like many investment platforms).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Access to 100+ different cryptocurrencies and 10,000+ stocks\/ETFs. You can trade 100+ different crypto assets on the platform, including Bitcoin, Ethereum, and Dogecoin.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Crypto staking available. iTrustCapital offers crypto staking for Ethereum (ETH) and Solana (SOL), which is a great way to earn rewards within your retirement account. You can also earn rewards through stablecoins via USDC and RLUSD.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Can rollover retirement accounts into iTrustCapital. iTrustCapital allows you to roll over several types of retirement accounts, including 401k, 403b, TSP, and other IRA accounts. You can even rollover \u201cin-kind\u201d assets, meaning you don\u2019t have to sell if you own crypto inside another IRA that you are rolling over to iTrustCapital.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n<h4 id=\"h.d81dm1o8jn9g\"><strong>Cons<\/strong><\/h4>\n\n\n<ol>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Taking custody of crypto before retirement may be penalized. When investing in crypto with iTrustCapital, your assets are held with a third-party custodian. This is required by law, and you cannot take custody of your assets before retirement age (59.5 years old). If you do decide to withdraw your crypto assets before then, it may cause a taxable event, as well as a penalty from the IRS.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">High account minimums. While some retirement accounts have very low minimums ($10 or less), iTrustCapital requires a $1,000 deposit to open an account.\u00a0<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n<p>Want to review more pros and cons? Head over to our article on the <a href=\"https:\/\/www.wallstreetzen.com\/blog\/itrustcapital-vs-alto-vs-bitcoin-ira\/\" target=\"_blank\" rel=\"noopener\">best crypto IRA<\/a>.<\/p>\n\n\n\n<h2 id=\"h.vggnxwrzt6p1\"><strong>Should You Use iTrustCapital?<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.wallstreetzen.com\/go\/itrustcapital\" target=\"_blank\">iTrustCapital<\/a> is the top low-fee crypto IRA platform available. With low trading fees, a wide variety of cryptocurrencies, stocks, ETFs, and access to gold and silver, it is a great option for investing within a retirement account.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/itrustcapital\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" width=\"473\" height=\"906\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2022\/12\/itrustcapial-mobile-app-portfolio.svg\" alt=\"itrustcapital review\" class=\"wp-image-4283\"\/><\/a><\/figure>\n\n\n\n<p>If you want to buy and sell cryptocurrencies and have the ability to take custody of your assets, however, this may not be the best choice. While the selection is good for long-term investors, most crypto exchanges support hundreds of different cryptocurrencies. Additionally, you cannot take custody of your crypto assets without fees and taxes before reaching retirement age.<\/p>\n\n\n\n<p>iTrustCapital is best for long-term crypto (and gold and silver) investors who want a low-fee, tax-advantaged account.<\/p>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-vivid-cyan-blue-background-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/itrustcapital\" target=\"_blank\" rel=\"noopener\"><strong>Check out iTrustCapital<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2><strong>iTrustCapital vs. Bitcoin IRA<\/strong><\/h2>\n\n\n\n<p>Both <a rel=\"noopener\" href=\"https:\/\/www.wallstreetzen.com\/go\/itrustcapital\" target=\"_blank\">iTrustCapital<\/a>&nbsp;and <a rel=\"noopener\" href=\"https:\/\/www.wallstreetzen.com\/go\/bitcoin-ira\" target=\"_blank\">Bitcoin IRA<\/a>&nbsp;offer access to cryptocurrencies within your retirement account, as well as the ability to invest in precious metals. Both support Traditional, Roth, and SEP IRAs, and both secure your crypto assets in cold storage.<\/p>\n\n\n\n<p>The primary differences are the minimum investment, fees, and asset selection:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"mtr-table mtr-thead-th\"><thead><tr><th data-mtr-content=\"Company\" class=\"mtr-th-tag\"><div class=\"mtr-cell-content\">Company<\/div><\/th><th data-mtr-content=\"iTrustCapital\" class=\"mtr-th-tag\"><div class=\"mtr-cell-content\">iTrustCapital<\/div><\/th><th data-mtr-content=\"Bitcoin IRA\" class=\"mtr-th-tag\"><div class=\"mtr-cell-content\">Bitcoin IRA<\/div><\/th><\/tr><\/thead><tbody><tr><td data-mtr-content=\"Company\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><strong>Minimum Investment<\/strong><\/div><\/td><td data-mtr-content=\"iTrustCapital\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">$1,000<\/div><\/td><td data-mtr-content=\"Bitcoin IRA\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">$3,000<\/div><\/td><\/tr><tr><td data-mtr-content=\"Company\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><strong>Fees<\/strong><\/div><\/td><td data-mtr-content=\"iTrustCapital\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">\u2013 1% for crypto transactions<br>\u2013 Over spot (per ounce) for Gold, Silver, &amp; Platinum<br>\u2013 $0.00 trading fee for stocks and ETFs<\/div><\/td><td data-mtr-content=\"Bitcoin IRA\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"> \u2013 0.99% \u2013 4.99% setup fee <br>\u2013 2% transaction fee <br>\u2013 0.08% maintenance fee ($20 minimum) <\/div><\/td><\/tr><tr><td data-mtr-content=\"Company\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><strong>Asset Selection<\/strong><\/div><\/td><td data-mtr-content=\"iTrustCapital\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">\u2013 100+ cryptocurrencies<br>\u2013 10,000+ stocks and ETFs<br>\u2013 Physical gold <br>\u2013 Physical silver <\/div><\/td><td data-mtr-content=\"Bitcoin IRA\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">\u2013 60+ cryptocurrencies<br>\u2013 Physical gold<\/div><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n    <div id=\"callout-box-block_78548f5dc72b34d582e0d0f957e60104\" class=\"callout-box info\">\n        <div class=\"callout-box__icon-wrapper\">\n            <svg focusable=\"false\" class=\"callout-box__icon info\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                <path d=\"M12 3c-.46 0-.93.04-1.4.14-2.76.53-4.96 2.76-5.48 5.52-.48 2.61.48 5.01 2.22 6.56.43.38.66.91.66 1.47V19c0 1.1.9 2 2 2h.28c.35.6.98 1 1.72 1s1.38-.4 1.72-1H14c1.1 0 2-.9 2-2v-2.31c0-.55.22-1.09.64-1.46C18.09 13.95 19 12.08 19 10c0-3.87-3.13-7-7-7zm2 16h-4v-1h4v1zm0-2h-4v-1h4v1zm-1.5-5.59V14h-1v-2.59L9.67 9.59l.71-.71L12 10.5l1.62-1.62.71.71-1.83 1.82z\"><\/path>            <\/svg>\n        <\/div>\n        <div class=\"callout-box__content\"><p><span style=\"font-weight: 400;\">Worth noting: The <\/span><a href=\"https:\/\/www.wallstreetzen.com\/blog\/bitcoin-ira-review\/\" target=\"_blank\"><span style=\"font-weight: 400;\">Bitcoin IRA fees<\/span><\/a><span style=\"font-weight: 400;\"> are noticeably higher than those of other platforms. If you want to invest in 100+ of the most popular cryptos, 10,000+ stocks\/ETFs, you\u2019ll save money by using <\/span><a href=\"https:\/\/www.wallstreetzen.com\/go\/itrustcapital\" target=\"_blank\"><span style=\"font-weight: 400;\">iTrustCapital<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<\/div>\n    <\/div>\n\n\n\n<h2 id=\"h.qb15l3580o02\"><strong>Final Word: iTrustCapital Review<\/strong><\/h2>\n\n\n\n<p>With transparent (and very low) transaction fees, access to more than two-dozen cryptocurrencies, and the ability to stake crypto to earn passive income, iTrustCapital is one of the best crypto IRA accounts out there.<\/p>\n\n\n\n<p>Remember, investing in an IRA means you can\u2019t take custody of your crypto, but funds are kept safe in offline storage while you wait for retirement.<\/p>\n\n\n\n<p>If you want to add some alternative assets to your retirement plan, iTrustCapital is a great option.<\/p>\n\n\n\n<p>That\u2019s a wrap on my iTrustCapital review!<\/p>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-vivid-cyan-blue-background-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/itrustcapital\" target=\"_blank\" rel=\"noopener\"><strong>Check out iTrustCapital<\/strong><\/a><\/div>\n<\/div>\n\n\n    <div id=\"callout-box-block_4fbc9c394096218ed4300a337d82ba11\" class=\"callout-box info\">\n        <div class=\"callout-box__icon-wrapper\">\n            <svg focusable=\"false\" class=\"callout-box__icon info\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                <path d=\"M12 3c-.46 0-.93.04-1.4.14-2.76.53-4.96 2.76-5.48 5.52-.48 2.61.48 5.01 2.22 6.56.43.38.66.91.66 1.47V19c0 1.1.9 2 2 2h.28c.35.6.98 1 1.72 1s1.38-.4 1.72-1H14c1.1 0 2-.9 2-2v-2.31c0-.55.22-1.09.64-1.46C18.09 13.95 19 12.08 19 10c0-3.87-3.13-7-7-7zm2 16h-4v-1h4v1zm0-2h-4v-1h4v1zm-1.5-5.59V14h-1v-2.59L9.67 9.59l.71-.71L12 10.5l1.62-1.62.71.71-1.83 1.82z\"><\/path>            <\/svg>\n        <\/div>\n        <div class=\"callout-box__content\"><p><span style=\"font-weight: 400;\">*Some taxes may apply.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">**<\/span><span style=\"font-weight: 400;\">Access to <\/span><span style=\"font-weight: 400;\">Stocks and ETFs is made available by <\/span><span style=\"font-weight: 400;\">Apex Clearing Corporation, an SEC registered broker dealer, member of FINRA and SIPC.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">iTrustCapital is a fintech software platform for alternative and traditional assets. iTrustCapital is not an exchange, funding portal, custodian, trust company, licensed broker, dealer, broker-dealer, investment advisor, investment manager or adviser. It does not provide legal, tax or investment advice.<\/span><\/p>\n<p><br style=\"font-weight: 400;\" \/><br style=\"font-weight: 400;\" \/><\/p>\n<\/div>\n    <\/div>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n\t\t<div class=\"wp-faq-schema-wrap\">\n\t\t\t\t\t\t\t<h2>FAQs:<\/h2>\n\t\t\t\t\t\t<div class=\"wp-faq-schema-items\">\n\t\t\t\t\t\t\t\t\t<h3>Is iTrustCapital legit?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p>Yes, iTrustCapital is a legit investment platform that offers self-directed IRA accounts which allow users to invest in cryptocurrencies and precious metals. <\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>USD balances within the account are FDIC insured, and cryptocurrency assets are kept with a third-party institutional storage providers. <\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Both physical gold and silver are available for purchase as well, and are kept at the Royal Canadian Mint for safe keeping.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3>Does iTrustCapital have monthly fees?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p>No, iTrustCapital does not charge a monthly maintenance fee for personal accounts. <\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>The only fees charged are for buying and selling of assets on the platform, plus a one-time conversion fee if converting a Traditional IRA to an iTrustCapital Roth IRA or SEP IRA.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3>Is iTrustCapital FDIC insured?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p>Yes, iTrustCapital utilizes a third-party custodian to hold customer deposits. <\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>It is important to note that FDIC insurance only covers USD deposits, and not cryptocurrency or precious metal investments.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3>What Cryptos are on iTrustCapital?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>There are 90+ supported cryptocurrencies on the iTrustCapital platform currency, including Bitcoin, Ethereum, Polkadot, Polygon, and Dogecoin.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re a long-term investor in Bitcoin or other cryptocurrencies, you may want to consider a retirement account. iTrustCapital is an investment company that offers self-directed IRA (SDIRA) accounts, allowing you to invest in cryptocurrencies \u2014 as well as precious metals \u2014 in a tax-advantaged account. Here\u2019s my iTrustCapital review and a complete breakdown of [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":4280,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false},"categories":[40,50],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>iTrustCapital Review - Is this Low-Cost Crypto IRA Legit? (September 2026)<\/title>\n<meta name=\"description\" content=\"Is iTrustCapital worth it? Here&#039;s our honest review including fees, pros and cons, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.wallstreetzen.com\/blog\/itrustcapital-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"iTrustCapital Review - Is this Low-Cost Crypto IRA Legit? (September 2026)\" \/>\n<meta property=\"og:description\" content=\"Is iTrustCapital worth it? 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