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Last updated: July 22, 2026 · By White Metal Resources Editorial
Quick answer: Kingdom Trust Company was a self-directed IRA custodian that ran a precious metals IRA line for years. Its own website now redirects visitors elsewhere and states that legacy accounts are serviced through a successor entity called Digital Trust, based in Las Vegas, Nevada.
Kingdom Trust was regulated as a South Dakota trust company and described itself as an independent qualified custodian under the Investment Advisers Act of 1940 and 26 U.S.C. section 408. Its NMLS number was 1787594.
If you are researching Kingdom Trust to open a new precious metals IRA, the practical path today is to evaluate Digital Trust or a different self-directed IRA custodian. If you already hold an account opened through Kingdom Trust, use the client resources link on kingdomtrust.com to reach the successor.
Short on time? The essentials
- Kingdom Trust historically served as a self-directed IRA custodian for precious metals, crypto, real estate, and other alternatives.
- The site kingdomtrust.com now displays a legacy-only page that routes existing account holders to Digital Trust.
- Digital Trust is the successor custodian, based at 7336 W. Post Rd. #111, Las Vegas, NV 89113, regulated in Nevada.
- Digital Trust lists gold and silver on its precious metals page, in bars and in eagle and maple leaf coin forms.
- Platinum and palladium are not named on Digital Trust's public precious metals page; treat that as an open question you should ask.
- Kingdom Trust described itself as regulated by South Dakota under the Investment Advisers Act of 1940 and 26 U.S.C. section 408, NMLS 1787594.
- Home storage of IRA metal is banned by federal law under any custodian; the depository takes physical possession.
- Federal fineness minimums stay the same across custodians: silver .999, gold .995, and platinum or palladium .9995.
- The 2026 IRA contribution limit is $7,500 plus a $1,100 catch-up at age 50 and over, so rollovers still fund most metal accounts.
- Request the current fee schedule in writing before opening any precious metals IRA, including at Digital Trust.
This review covers Kingdom Trust Company for savers weighing it as the custodian on a precious metals IRA. The picture changed materially in recent years. Below we cover what the firm was, what its site says today, how the precious metals IRA structure still works at any custodian, and how to think about your next step. Every fact traces to the company's own pages, an IRS document, or a federal statute, cited inline.
Who was Kingdom Trust Company?
Kingdom Trust described itself as an independent qualified custodian under the Investment Advisers Act of 1940, as amended, and 26 U.S.C. section 408 (source: Kingdom Trust footer, archived 2022). It was registered and regulated in the state of South Dakota. Its NMLS number was 1787594. The site's copyright block ran from 2010 through 2022, which is our earliest and latest anchor on the brand.
The firm's platform supported self-directed IRAs across several alternative asset classes. Beyond precious metals, it advertised cryptocurrency, real estate, private equity, and other assets inside self-directed IRAs. That breadth was a familiar pitch in the self-directed IRA custodian space.
Worth knowing: Kingdom Trust was a custodian, not a metals dealer. It held legal title on behalf of the IRA and handled reporting. It did not select, price, or ship the coins and bars. Those choices sat with the dealer the account owner engaged separately. See custodian versus dealer for how the roles split.
What is Kingdom Trust’s current status?
The current kingdomtrust.com site displays a redirect-style page rather than a marketing site. Its own copy states: "Thanks for your interest in Kingdom Trust. For accounts originally opened through KT, please use the Client Resources linked below. For all other matters, please Contact Us" (source: kingdomtrust.com).
The footer of that same page identifies the operating entity as Digital Trust, not Kingdom Trust. The wording states: "Digital Trust is an independent qualified custodian under the Investment Advisers Act of 1940, as amended, and 26 U.S.C. section 408. Digital Trust is registered and regulated in the state of Nevada." Copyright reads "© 2025 WAO Fintech."
Digital Trust operates from 7336 W. Post Rd. #111 in Las Vegas, Nevada 89113 (source: digitaltrust.com). The public phone number is 800-777-9878, which is the same number Kingdom Trust used before the transition, so calls from legacy account holders route through.
Precious metals IRA early-withdrawal penalty estimator
Take money out of a precious metals IRA before age 59 and a half and the IRS adds a 10% federal additional tax. Many states add their own additional tax on top, so check your state. The federal penalty is estimated below.
Estimate only, not tax advice. The 10% federal additional tax applies to early distributions before age 59 and a half; exceptions exist. Your state may add its own additional tax, and ordinary income tax applies separately. Source: IRS Publication 590-B. Consult your tax advisor.
Picking a company that explains every fee up front is the first step. Get the free precious metals IRA company checklist.
Practical takeaway: for a saver Googling "Kingdom Trust precious metals IRA" today, the honest current state is that Kingdom Trust as a live brand is no longer marketing new accounts. New applicants who follow the site route to Digital Trust. If you already hold a Kingdom Trust account, the legacy portal and support paths on kingdomtrust.com are your entry point.
How the precious metals IRA structure still works
Federal law does not care which brand name your custodian carries. It cares that three separate roles exist and that a qualified trustee takes physical possession of the metal. Kingdom Trust, Digital Trust, and every other IRA metals custodian all operate inside the same statutory frame.
Two facts anchor the structure. First, only an IRS-approved trustee may hold IRA metal, and the statute itself requires physical possession by that trustee (source: IRS collectibles snapshot). Second, the metal must meet fineness minimums drawn from commodity-market delivery standards (source: 26 U.S.C. section 408(m)).
The account owner directs the account. The custodian holds legal title and files the IRS paperwork. A dealer sells the eligible coins and bars. An approved depository stores the physical metal. You never take personal possession while the metal stays inside the IRA (source: why home storage is not allowed).
Which metals qualify, at any custodian
The IRS-recognized minimum fineness values apply to every precious metals IRA, regardless of custodian. Silver must be .999, gold must be .995, and platinum and palladium must each be .9995. These figures come from commodity-market delivery standards referenced by IRC 408(m)(3).
The American Silver, Gold, and Platinum Eagles are permitted under a separate carve-out for United States coins, even when the coin itself does not meet the bullion fineness test (source: IRS collectibles snapshot). Numismatic or graded "rare" coins outside that carve-out are treated as collectibles and do not qualify.
Digital Trust's current precious metals page names gold and silver only, listing gold bars, gold maple leaf, gold eagle, proof gold eagle, silver bars, silver maple leaf, silver eagle, and proof silver eagle (source: Digital Trust, Precious Metals). Platinum and palladium are not listed there. If you need a platinum or palladium IRA, ask Digital Trust in writing whether those metals are supported before you fund the account.
If you already hold a Kingdom Trust account
You have three practical paths, and each keeps the tax wrapper intact if handled correctly. None of them requires you to sell the metal at a loss or to trigger a distribution.
Path one is to keep the account at Digital Trust as the successor and confirm the fee schedule in writing. Path two is to request a direct custodian-to-custodian transfer of your metal and cash into another self-directed IRA custodian. Path three is to sell the metal inside the IRA and roll the cash to a different IRA structure, though selling crosses the dealer spread again and may not be your best move.
For the custodian-to-custodian route, use a direct transfer, which keeps the money inside the tax wrapper. There is no 60-day deadline on a direct transfer and no 20 percent mandatory withholding. See direct versus indirect rollover for the mechanics.
Ask in writing: confirm the storage venue for your metal today, whether it is the same depository that held it under Kingdom Trust, and what the current annual custodian and storage fees are. Get every promise on paper. A phone commitment is not an account document.
If you want to open a new account today
You have two broad options. The first is to open a self-directed IRA with Digital Trust as the successor to Kingdom Trust. The second is to open a self-directed IRA with a different custodian and skip the successor entirely.
The direct-rollover route is the same at any custodian.
- Open a self-directed IRA at the chosen custodian. Pick the account type that matches your source money: traditional, Roth, SEP, or SIMPLE IRA.
- Request a direct transfer or direct rollover. Move funds custodian to custodian, avoiding the 60-day redeposit deadline and the 20 percent mandatory withholding on plan payouts.
- Pick an IRA-eligible metals dealer. The dealer is separate from the custodian. Favor common bullion at fair spreads. Avoid pitches that push premium numismatic coins.
- Confirm each product meets the fineness minimum. Ask the dealer for the fineness in writing and check it against .995 gold, .999 silver, or .9995 platinum or palladium.
- Choose an approved depository. Ask the custodian which vaults are supported for your account, and decide between segregated or commingled storage.
- Have the custodian settle the purchase. The custodian pays the dealer from the IRA and directs the metal to the chosen vault under the account's name.
The direct route matters. A direct transfer or direct rollover keeps the money custodian to custodian. That avoids the 60-day rule that can turn an indirect rollover into a taxable distribution on missed timing.
What to ask about fees before you commit
Fee transparency was mixed across Kingdom Trust's marketing pages in the archived material, and it is worth confirming freshly with any successor or peer today. A precious metals IRA typically carries four fee categories, and every one of them can vary.
First is a one-time account setup fee paid to the custodian. Second is an annual account or administration fee. Third is an annual storage fee paid to the depository, sometimes split by segregated or commingled. Fourth is the dealer spread on the metal itself.
The dealer spread is usually the largest lifetime cost, and it is the one least often disclosed clearly. That cost sits with the dealer you pick, not with the custodian. See custodian fees versus dealer markups and silver IRA fees explained for the breakdown.
The trade-off: a fair annual custodian and storage fee keeps the base cost low. The dealer spread is the swing variable. A clean written fee schedule keeps the account simple for your spouse or heirs later.
The calculator below shows how annual fees compound against an account over time. Enter a balance and a fee rate to see the drag.
Precious metals IRA fee-drag calculator
Precious metals IRAs charge mostly flat dollar fees (setup, annual custodian, storage). Flat fees take a much bigger bite out of a small account than a large one. Enter your numbers to see the drag.
Estimate only. Fee amounts vary by provider and are often not published; enter figures you confirm in writing. This tool ignores metal price changes and the dealer spread, which also affect returns. Not financial advice.
Picking a company that explains every fee up front is the first step. Get the free precious metals IRA company checklist.
Picture a saver who rolls $80,000 from an old 401(k) into a precious metals IRA at a successor or peer custodian and buys silver bullion. Suppose all-in annual custodian and storage costs total $350 in this illustration. Suppose the dealer spread is 6 percent on the physical silver purchased. Here is how those numbers work through.
- On $80,000: $350 in annual fees is $350 divided by $80,000, which equals 0.44 percent per year.
- The 6 percent dealer spread on an $80,000 silver purchase is $4,800, paid up front on the first buy.
- Over 10 years, ignoring price change, the fixed fees total $3,500 and the initial spread is $4,800, for a combined cost of $8,300.
The figures above are illustrative, not quotes from Kingdom Trust, Digital Trust, or any dealer. They show the structural point: annual custodian and storage fees are a small drag on a mid-sized account, while the dealer spread is often the larger lifetime cost. Always ask for the actual fee schedule and the spread in writing before you commit. This is an illustration, not financial advice; consult a licensed advisor for your situation.
How Kingdom Trust compared to peer custodians
A short comparison helps place Kingdom Trust and its successor next to a familiar peer, without inventing fee figures the sites do not publish.
| Feature | Kingdom Trust (historical) / Digital Trust (successor) | A large peer such as Equity Trust |
|---|---|---|
| Role | Independent self-directed IRA custodian, alternative-asset breadth | Independent self-directed IRA custodian, alternative-asset breadth |
| Brand continuity | Kingdom Trust brand no longer accepts new applicants; Digital Trust is the successor | Continuous brand and operating history |
| Regulator | Kingdom Trust was South Dakota; Digital Trust is Nevada | South Dakota trust company charter, per Equity Trust |
| NMLS | Kingdom Trust NMLS 1787594 per archived footer | Confirm on the custodian's own site |
| Metals named | Digital Trust lists gold and silver; platinum and palladium not named | Equity Trust lists gold, silver, platinum, and palladium bars and eligible coins |
| Other alternatives | Cryptocurrency, real estate, private equity, other assets | Real estate, private equity, cryptocurrency, and more |
| Dealer choice | Account owner selects the dealer | Account owner selects the dealer |
| Depositories | Ask the successor which vaults are supported for your account | Names four vaults on its own page |
| Published fees | Fee amounts not printed in body copy on the current marketing pages | Fee amounts not printed in body copy on the main marketing pages |
Sources: kingdomtrust.com and digitaltrust.com; Equity Trust About Us and Precious Metals pages. Checked June 2026.
The core distinction is brand continuity. A custodian relationship is a long, quiet contract that outlives most rollovers. If your custodian rebrands or transitions, you want it to happen smoothly and to be disclosed in writing. That is a fair question to ask any successor entity. See how to compare precious metals IRA custodians.
A vetting checklist for any custodian
The checklist below reduces the odds of a surprise later. It applies to Digital Trust as the Kingdom Trust successor and to any other custodian you evaluate.
- Verify the trust charter. Confirm the entity is a state-chartered trust company and note which state. Digital Trust's own site describes it as regulated in Nevada.
- Ask for the fee schedule in writing. Request setup, annual account, storage, transaction, and termination fees on one page. Do not accept a verbal number.
- Ask which depositories are named for your account. Get a segregated and a commingled storage quote for each, and pick on total cost plus geography.
- Vet the dealer separately. Check the dealer's Better Business Bureau profile, ask for the spread on the exact product you plan to buy, and favor common bullion over numismatic coins.
- Confirm the metal meets fineness. Ask for each product's fineness in writing before purchase, and match it to .999 silver, .995 gold, or .9995 platinum or palladium.
- Get every promise on paper. Any "free" storage year, promotional rebate, or fee waiver should be written into the account paperwork, not a phone commitment.
- Confirm brand continuity. Ask directly whether the entity has been through a rebrand or transition, and how legacy accounts are serviced.
When routing to Kingdom Trust or a successor is a bad idea
A balanced review has to name when this path works against you. For several savers, following the Kingdom Trust or Digital Trust route into a precious metals IRA is the wrong move, and saying so plainly is part of an honest review.
It is usually a bad idea in these situations:
- A small balance against the fee drag. Setup, annual custodian, and storage fees are largely fixed. On a small account those costs eat a large share of the balance, and silver's bulk can add a little to the storage side. A modest holding can struggle to ever come out ahead.
- You may need the money within a few years. Physical metal is volatile short-term, and selling means crossing the dealer spread again. Before age 59.5 you also owe the 10 percent federal additional tax on top of ordinary income tax (source: IRS Publication 590-B).
- You need platinum or palladium in the account. Digital Trust's current precious metals page names gold and silver only. If you require platinum or palladium, confirm eligibility in writing, or pick a custodian that lists all four metals.
- You want a long, stable brand history at the custodian. The Kingdom Trust to Digital Trust transition is recent. If continuity is a priority, weigh a custodian with an unbroken brand and operating record.
- You are chasing a guaranteed return. Nobody can predict where silver, gold, platinum, or palladium prices will go. A pitch that promises guaranteed gains is a warning sign, not an opportunity, and no custodian removes market risk.
If one of these describes you, slowing down is the sensible call. The custodian is only one part of the total cost, and the dealer spread you pick decides most of the rest. There is no CTA in this section on purpose.
Kingdom Trust questions, answered
Is Kingdom Trust still open for new precious metals IRA accounts?
The current kingdomtrust.com landing page does not market new accounts under the Kingdom Trust name. It directs existing account holders to a legacy portal and routes new inquiries elsewhere. The operating entity in the site footer is Digital Trust, based in Las Vegas, Nevada.
What happened to Kingdom Trust?
Kingdom Trust's website now states it is being serviced through Digital Trust. The 2022 archived version already displayed a rebrand notice. The current site's footer identifies Digital Trust as an independent qualified custodian regulated in Nevada. The operating brand today is Digital Trust; kingdomtrust.com is a legacy portal.
Was Kingdom Trust IRS-approved?
Kingdom Trust described itself as an independent qualified custodian under the Investment Advisers Act of 1940, as amended, and 26 U.S.C. section 408, per the footer archived on its own site. It was registered and regulated in South Dakota. Its NMLS number was 1787594.
What is Digital Trust, and how does it relate to Kingdom Trust?
Digital Trust is the successor operating entity now identified on kingdomtrust.com. Its own site describes it as a self-directed IRA custodian offering cryptocurrency, real estate, precious metals, LLCs, private equity, and other assets. The company's copyright block reads "WAO Fintech" for the parent brand.
Does Digital Trust support platinum and palladium IRAs?
Digital Trust's public precious metals page lists gold and silver, in bars and in eagle and maple leaf coin forms. Platinum and palladium are not named on that page. If you need platinum or palladium in the account, ask Digital Trust in writing whether the metal is eligible before you fund the account.
Can I move a Kingdom Trust IRA to a different custodian?
Yes. Use a direct custodian-to-custodian transfer, which keeps you inside the tax wrapper, avoids the 60-day rule, and skips the 20 percent mandatory withholding that applies to some plan payouts. The receiving custodian usually drives the paperwork on your behalf.
Does Kingdom Trust or Digital Trust allow home storage of IRA metals?
No custodian can. Federal law requires an IRS-approved trustee to hold physical possession of IRA metal. Keeping IRA metal at home is treated as a distribution, taxable and possibly penalized under age 59.5. The United States Tax Court applied this rule against the taxpayers in McNulty v. Commissioner in 2021.
Should I keep an existing Kingdom Trust precious metals IRA at Digital Trust or move it?
That depends on the current fee schedule, the depository options, and how comfortable you are with the transition. Ask Digital Trust for the fee schedule and the vault details in writing, then compare against another self-directed IRA custodian. If the offer holds up, staying is reasonable. If it does not, a direct transfer moves the account cleanly.
Sources
- Kingdom Trust Company, current landing page and legacy resources. Checked June 2026.
- Kingdom Trust Company, archived homepage 2022. Internet Archive Wayback Machine. Checked June 2026.
- Digital Trust, home page. Checked June 2026.
- Digital Trust, Precious Metals investment options. Checked June 2026.
- IRS, Investments in collectibles in individually directed qualified plan accounts (Issue Snapshot). Checked June 2026.
- Cornell Legal Information Institute, 26 U.S.C. section 408. Checked June 2026.
- IRS, Publication 590-B, Distributions from Individual Retirement Arrangements. Checked June 2026.
- IRS Newsroom, 2026 retirement plan and IRA limits (Notice 2025-67). Checked June 2026.
