Did you know that many non-profits maintain reserve funds to protect their mission? These funds act as a safety net, helping organizations sustain programs, manage economic uncertainty, and plan for the future. Traditionally, reserves have been held in cash, bonds, or other conventional investments.
But the traditional ways are now progressing to modern times. Donors are increasingly contributing in the form of digital assets like Bitcoin (BTC) and Ethereum (ETH), and many organizations are exploring whether those assets can become part of long-term treasuries.
That raises the question: Can non-profits have crypto treasury funds too?
The Short Answer is Yes!
Non-profits can hold crypto as part of their treasury. In fact, several well-known organizations have already taken steps in this direction, such as The Bitcoin Endowment.
The Bitcoin Endowment is a nonprofit dedicated to holding Bitcoin as a long-term charitable treasury. Instead of relying only on donations, it aims to build a sustainable Bitcoin reserve to fund grants well into the future; embedding Bitcoin into nonprofit balance sheets, creating a circular economy of support, and channeling resources to charities for generations.
This all sounds great, but how are these organizations managing their crypto, and are the current methods they are using truly secure?
The Challenges Non-Profits Face with Crypto
Using a Crypto Exchange
One of the most common ways non-profits hold digital assets is through crypto exchanges. While exchanges are convenient, they come with serious risks for non-profits.
- Assets can be withdrawn to external wallets and, if mishandled, may be lost permanently.
- Security remains a concern as exchanges are vulnerable to hacks, outages, and even bankruptcies.
Going Self-Custody
Self-custody is the alternative, following the “not your keys, not your crypto” philosophy. But it could create new problems:
- If private keys are lost or stolen, the crypto is gone permanently.
- If only one person holds the keys, organizational continuity is at risk.
- Leadership changes can disrupt access and jeopardize donor funds.
For donor-funded organizations where accountability is of greatest importance, neither approach is ideal.
Is There a Better Option?
Until recently, non-profits had to choose between these two imperfect paths. But today, there’s a third way: Treasury Accounts at iTrustCapital.
Introducing Treasury Accounts for Non-Profits
Treasury Account is a secure, institutional-grade solution designed for entities, including non-profits, that need to buy, hold, and manage digital assets as part of their treasury strategy.
For non-profits, Treasury Account provides a structured way to include cryptocurrencies like Bitcoin or Ethereum in their treasury strategy. Assets are safeguarded with institutional-grade custody with dedicated support, giving organizations the confidence that donor funds are managed with the same care as traditional investments.
Key Benefits of Treasury Accounts
24/7 Access to Digital Assets
Non-profits, trusts, and businesses can buy and sell more than 85 alternative assets, including cryptocurrencies and precious metals 24/7, directly within their accounts.
Closed-Loop System
Treasury Accounts operates in a secure, closed-loop system designed to keep assets secured. The closed-loop system is iTrustCapital’s security protocol that prevents crypto from being automatically sent to an external wallet. Each withdrawal must go through iTrustCapital’s verification process before it can be completed, adding multiple built-in security layers. Also, all clients' USD is held by third-party US-based custodians and their crypto assets are held by third-party Institutional storage providers.
Assets Maintained 1:1 Off-Balance Sheet
Every client asset is maintained 1:1 off-balance sheet. Funds are never leveraged or commingled with iTrustCapital’s business operations.
U.S.-Based Live Client Service
Treasury Account clients receive direct access to professional, white-glove support for account setup, funding, transactions, and ongoing needs. Backed by over 12,000 excellent reviews from real clients across Google and Trustpilot, iTrustCapital’s service team is consistently recognized for providing exceptional care and responsiveness.
Simplified Tax Reporting
Detailed tax reports are provided to help non-profits, businesses, and trusts streamline filings.
Why This Matters
While nonprofits exist to serve missions, they also face the same financial pressures as businesses: inflation, rising operating costs, and the challenge of managing reserves in uncertain markets. And, just like corporations, nonprofits also maintain treasuries.
These reserves, often made up of cash, bonds, or endowments, are meant to provide stability, fund operations, and ensure programs can continue even during lean years. But traditional treasuries aren’t without risk. Traditional treasuries of cash, bonds, and endowments can lose value over time, possibly eroding the very resources nonprofits rely on to deliver impact.
Since 2022, U.S. inflation surged to 9.1%, the highest in more than four decades, reminding businesses how fragile cash and so-called “safe” assets can be. Even after cooling, inflation still ran near 2.7% through 2025, and over the last decade, cumulative inflation has stripped roughly 30% of the dollar’s purchasing power.
To put that into perspective: If $10,000 sat in a treasury six years ago, today its real value would be only $9,750. Over two years, that sum would be just $9,400, showing the growing case for including digital assets as part of a modern treasury strategy.*
|
Time Period |
USD Value Today (2026$) |
BTC Value Today (2026$) |
XRP Value Today (2026$) |
ETH Value Today (2026$) |
|
1 Year |
~$9,750 |
~$20,000 |
~$20,000 |
~$20,000 |
|
2 Years |
~$9,400 |
~$41,300 |
~$25,900 |
~$26,400 |
|
6 Years |
~$7,300 |
~$130,000 |
~$115,000 |
~$235,000 |
*Note: Values are based on cryptocurrency prices and USD inflation data as of January 14, 2026.
That’s the opportunity cost of sitting on idle cash; watching the U.S. dollar lose value while digital assets like BTC, ETH, and XRP have historically appreciated.
Treasury Accounts provides the tools to buy, sell, and securely custody crypto with the same confidence and accountability as traditional investments. It ensures digital assets are properly safeguarded and positioned to support a nonprofit’s mission.
Open a Treasury Account for Your Non-Profit, Business, or Trust, or Today!
If your Non-Profit, Business, or Trust is exploring how digital assets can fit into a treasury strategy, Treasury Accounts offers an easy and secure platform to do so.
Click here to learn more and open a Treasury Account for your non-profit, business, or trust today!
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Disclaimer
This article is for informational purposes only and is not intended to constitute investment or tax advice in any way or constitute an offer to buy or sell any digital asset, cryptocurrency, or security or to participate in any investment strategy.
iTrustCapital is a fintech software platform for alternative assets. TrustCapital is not an exchange, funding portal, custodian, trust company, licensed broker, dealer, broker-dealer, investment advisor, investment manager, or adviser in the United States or elsewhere. iTrustCapital is not affiliated with and does not endorse any particular digital asset, precious metal or investment strategy.
Investing in any digital asset or cryptocurrency (including meme coins) carries significant risks due to their speculative and highly volatile nature. Past performance is not an indication of future results. No investment is completely risk-free, and every investment carries the potential for losing some or all of the principal amount invested. Digital assets and cryptocurrencies are not legal tender backed by the United States government, nor is it subject to Federal Deposit Insurance Corporation (“FDIC”) insurance or protections. Clients do not receive a choice of custody partner.
Investors assume the risk of all purchase and sale decisions. iTrustCapital makes no guarantee or representation regarding investors’ ability to profit from any transaction or the tax implications of any transaction. iTrustCapital does not provide legal, investment or tax advice. Conduct your own research and consult with a qualified legal, investment, or tax professional to assess your own risk tolerance prior to investing.
iTrustCapital makes no representation or warranty as to the accuracy or completeness of this information and does not have any liability for any representations (expressed or implied) or omissions from the information contained herein. iTrustCapital disclaims any and all liability to any party for any direct, indirect, implied, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this information, which is provided as is, without warranties.
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