Please enter your credentials to access your Self-Directed Crypto IRA.
We use military-grade cold storage for digital assets. Multi-factor authentication is required on all accounts to ensure the highest level of protection for your retirement wealth.
Your Self-Directed Retirement Account Overview (Account #IRC-734892)
**Important IRA Notice:** All activities within this account are subject to IRS rules regarding prohibited transactions and contribution limits. Consult a qualified tax professional before initiating rollovers or making distributions. This platform provides custody and trading services only.
| Asset | Quantity | Current Price (USD) | Total Value (USD) | 24h Change |
|---|---|---|---|---|
| Bitcoin (BTC) | 0.850000 | $64,520.12 | $54,842.10 | +3.15% |
| Ethereum (ETH) | 14.300000 | $3,380.75 | $48,344.73 | -0.98% |
| Solana (SOL) | 250.0000 | $155.10 | $38,775.00 | +5.01% |
| Polkadot (DOT) | 1,500.000 | $7.80 | $11,700.00 | -1.12% |
| USD Coin (USDC) | 4,810.05 | $1.00 | $4,810.05 | 0.00% |
| Chainlink (LINK) | 500.0000 | $18.90 | $9,450.00 | +0.88% |
| Cardano (ADA) | 12,000.00 | $0.45 | $5,400.00 | +1.05% |
| Litecoin (LTC) | 80.0000 | $88.25 | $7,060.00 | -2.30% |
| Avalanche (AVAX) | 300.0000 | $35.00 | $10,500.00 | +4.11% |
| Total Value Summary | N/A | N/A | $148,932.78 | Weighted Average |
Pricing data updated in real-time. Cryptocurrency markets operate 24/7/365, meaning value is constantly fluctuating.
Available USDC Balance: $4,810.05
Your digital assets are held by a qualified, third-party custodian and are secured using **institutional-grade multi-signature cold storage**. This means the private keys are never connected to the internet, eliminating online theft risk. Keys are geographically distributed and held by multiple independent parties. No single entity, including iTrustCapital, has unilateral access to your funds, requiring a multi-party consensus to execute transactions, which is a key security layer in self-directed crypto IRAs. This process adheres to the highest standards of financial service compliance and regulation.
Your account requires **Time-based One-Time Password (TOTP) 2FA** for every sign-in and for initiating withdrawals or rollovers. We strongly recommend using a dedicated, secure authenticator app (like Google Authenticator or Authy) rather than SMS 2FA due to the risk of SIM-swapping attacks.
Recovery Phrase Backup: Status **Active**. Ensure you store your 2FA recovery phrase offline in a secure physical location.
As a regulated financial institution providing IRA custodial services, we adhere to strict Know Your Customer (KYC) and Anti-Money Laundering (AML) laws, including the Bank Secrecy Act (BSA). Verification of identity, residency, and source of funds is mandatory and routinely re-verified. Any suspicious activity, especially large, sudden rollovers or attempted transfers to unverified external wallets, will result in the temporary freezing of trading and withdrawal privileges pending compliance investigation. This protects both the platform and the integrity of your IRA tax status.
Q: Can I contribute fiat currency (USD) directly to my Crypto IRA?
A: Yes. You can transfer funds via ACH or Wire to your custodial account, which are then converted to USDC (a stablecoin) and made available for trading. Direct crypto contributions are not allowed as they violate IRA non-commingling rules.
Q: What is a "Prohibited Transaction" and how do I avoid it?
A: A prohibited transaction is any transaction that benefits you personally from the IRA assets (e.g., borrowing funds, purchasing a home, or personally guaranteeing a loan). The most common risk is **self-dealing**—using IRA assets for a personal purpose. Do not attempt to transfer IRA crypto to a wallet or exchange you personally control.
Q: Is my crypto taxed upon distribution?
A: It depends on the account type. **Roth IRA** distributions are generally tax-free, provided the 5-year aging rule is met and you are over 59.5. **Traditional IRA** distributions are taxed as ordinary income upon withdrawal in retirement. All growth within the account is tax-deferred or tax-free.
Q: What is the process for a direct rollover?
A: A direct rollover is the safest method. The custodian (iTrustCapital) directly communicates with your previous retirement provider (e.g., 401k or Traditional IRA custodian) to transfer funds. This avoids the 60-day indirect rollover rule, which carries the risk of taxation if not completed correctly.
Q: How does iTrustCapital report gains/losses to the IRS?
A: We generate required tax forms (e.g., Form 5498 for contributions, Form 1099-R for distributions) for you and the IRS. Since capital gains within the IRA are sheltered (tax-deferred or tax-free), you will not receive a Form 1099-B (Brokerage Transaction) for trading activity *inside* the IRA.
Details on fees, asset custody, and regulatory adherence. Last updated: 01/2025.
Quick reference guide for Traditional/Roth limits based on age and income phase-outs.
Crucial reading for all self-directed IRA holders to maintain tax-advantaged status.
Instructions for providing read-only access to your financial advisor or CPA.
**Custodial Agreement:** The legal contract establishing the rules under which your IRA assets are held by a third-party trust company, ensuring compliance with tax law. **Tax-Deferred Growth:** Gains are not taxed until distributed (Traditional IRA). **Tax-Free Growth:** Gains are never taxed (Roth IRA). **Direct Rollover:** Funds move directly from one custodian to another without passing through the account holder's control.
The complexity of crypto in a retirement account demands vigilance. Ensure all actions align with the strict IRS guidelines for tax-advantaged accounts. Lack of compliance can result in severe penalties, including immediate taxation and disqualification of the entire account's tax status.