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Crypto.com

  • What it is:Crypto.com is a Singapore-based cryptocurrency exchange and financial services platform offering trading of over 350 cryptocurrencies, DeFi products like staking, a Visa card, NFT marketplace, and wallet services.
  • Best for:Active crypto traders with moderate volume, CRO token holders and believers, Frequent international travelers
  • Pricing:Free tier available, paid plans from $4.99/month
  • Rating:82/100Very Good
  • Expert's conclusion:Crypto.com is great for individual retail investors, however it is not suitable for institutional traders or those looking for decentralized exchanges.
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Reviewed byMaxim Manylov·Web3 Engineer & Serial Founder

What Is Crypto.com and What Does It Do?

Crypto.com is a Singapore-based cryptocurrency exchange and financial service provider that offers trading, DeFi wallet, NFT marketplace, and payment services. It was founded in 2016 as Monaco and rebranded in 2018 to help speed up the global shift to cryptocurrencies. Today, it is available in over 90 countries, serving both retail and institutional users through its mobile application, exchange, and many other products and services offered to crypto users.

Active
📍Singapore
📅Founded 2016
🏢Private
TARGET SEGMENTS
Retail InvestorsInstitutional TradersCrypto EnthusiastsDeFi Users

What Are Crypto.com's Key Business Metrics?

👥
100M+
Users
📊
90+
Countries
🏢
4,000+
Employees
📊
$700M (Crypto.com Arena)
Naming Rights Deal
📊
2016
Founding Year
Rating by Platforms
4.5/ 5
Trustpilot (50,000 reviews)
Regulated By
Financial Conduct Authority(UK)Cyprus Securities and Exchange Commission(Cyprus)French Authorities(France)Australian Financial Services Licence(Australia)Restricted Dealer Status(Canada)

How Credible and Trustworthy Is Crypto.com?

82/100
Good

This is an established cryptocurrency platform that has experienced rapid user growth and obtained regulatory approval to operate in multiple jurisdictions around the world, including high-profile partnerships. However, this is a highly volatile space that will likely continue to experience significant regulatory challenges.

BREAKDOWN
Product Maturity90/100
Company Stability85/100
Security & Compliance88/100
User Reviews80/100
Transparency78/100
Support Quality75/100
TRUST SIGNALS
100M+ registered usersRegulatory approvals in UK, EU, Australia, Canada$700M Crypto.com Arena naming rights4,000+ employees globallyServing 90+ countries

What is the history of Crypto.com and its key milestones?

2016

Company Founded

Crypto.com was originally founded in Hong Kong as Monaco by Kris Marszalek, Bobby Bao, Gary Or, and Rafael Melo.

2017

Initial Coin Sale

Raised $26.7M through their first coin sale, MCO token.

2018

Rebranded to Crypto.com

Rebranded as Crypto.com and released CRO token.

2020

Australian Market Entry

Acquired The Card Group Pty Ltd which granted them an Australian Financial Services License.

2021

US Expansion

Acquired a stake in Nadex and Small Exchange for $216M to allow the offering of US derivatives.

2021

Crypto.com Arena Deal

Secured a 20 year, $700 million naming rights agreement to rename the LA Staples Center to Crypto.com Arena.

2022

European Expansion

Obtained regulatory approvals to operate in the United Kingdom, Cyprus, and France, establishing a Paris headquarters.

2025

North America Expansion

Established a Washington D.C. office and secured Canadian Restricted Dealer Status.

How Much Does Crypto.com Cost and What Plans Are Available?

Pricing information with service tiers, costs, and details
☐Service$CostℹDetails🔗Source
BasicFreePhysical and digital Visa card, access to crypto spending—
Plus$4.99/monthUp to 5% APY on cash, up to 5% back in CRO on prepaid card purchases, zero trading fees up to $20K/month, 0% foreign exchange fees, no trading fees on stocks—
Pro$29.99/month or $299.90/yearUp to 5% APY on cash, up to 6% back in CRO on Jade/Indigo credit card, 4.5% back on card purchases, zero trading fees up to $50K/month, 1.25%-2.5% stock transfer bonus, 0% foreign exchange fees, airport lounge access—
Private$50,000+ CRO lockup for 12 monthsUp to 5% APY on cash, 5-6% back in CRO on Icy/Rose or Obsidian credit card, unlimited zero-fee trades, up to 9.5% CRO staking, free subscription rebates, exclusive VIP experiences and sporting events—
30-Day Free TrialFreeSample benefits of any paid tier with no commitment—
BasicFree
Physical and digital Visa card, access to crypto spending
Plus$4.99/month
Up to 5% APY on cash, up to 5% back in CRO on prepaid card purchases, zero trading fees up to $20K/month, 0% foreign exchange fees, no trading fees on stocks
Pro$29.99/month or $299.90/year
Up to 5% APY on cash, up to 6% back in CRO on Jade/Indigo credit card, 4.5% back on card purchases, zero trading fees up to $50K/month, 1.25%-2.5% stock transfer bonus, 0% foreign exchange fees, airport lounge access
Private$50,000+ CRO lockup for 12 months
Up to 5% APY on cash, 5-6% back in CRO on Icy/Rose or Obsidian credit card, unlimited zero-fee trades, up to 9.5% CRO staking, free subscription rebates, exclusive VIP experiences and sporting events
30-Day Free TrialFree
Sample benefits of any paid tier with no commitment

How Does Crypto.com Compare to Competitors?

FeatureCrypto.comCoinbaseKraken
Starting Price$4.99/month (Plus)0% to 3.99%0% to 0.5%
Free TierYes (Basic)YesYes
Zero Trading FeesYes (with subscription)PartialYes (VIP)
Cash APY ReturnsUp to 5%LimitedLimited
Credit Card RewardsUp to 6% back in CROLimitedNo
Staking RewardsUp to 9.5% on CROYesYes
Cryptocurrencies Available400+100+200+
Prepaid CardYesNoNo
Foreign Exchange Fees0%StandardStandard
Starting Price
Crypto.com$4.99/month (Plus)
Coinbase0% to 3.99%
Kraken0% to 0.5%
Free Tier
Crypto.comYes (Basic)
CoinbaseYes
KrakenYes
Zero Trading Fees
Crypto.comYes (with subscription)
CoinbasePartial
KrakenYes (VIP)
Cash APY Returns
Crypto.comUp to 5%
CoinbaseLimited
KrakenLimited
Credit Card Rewards
Crypto.comUp to 6% back in CRO
CoinbaseLimited
KrakenNo
Staking Rewards
Crypto.comUp to 9.5% on CRO
CoinbaseYes
KrakenYes
Cryptocurrencies Available
Crypto.com400+
Coinbase100+
Kraken200+
Prepaid Card
Crypto.comYes
CoinbaseNo
KrakenNo
Foreign Exchange Fees
Crypto.com0%
CoinbaseStandard
KrakenStandard

How Does Crypto.com Compare to Competitors?

vs Coinbase

Crypto.com is targeting active traders and card users who are interested in rewards, while Coinbase is targeting a simpler user base looking for regulatory trust as a public company. Crypto.com is able to provide superior card rewards, up to 6%, and lower trading fees via Level Up, but Coinbase is able to provide greater brand recognition and institutional support.

Crypto.com for high rewards on your spending and trading; Coinbase for conservative investors who value reputation of the company.

vs Kraken

Both Crypto.com and Coinbase have low trading fees, however, Kraken provides advanced tools for serious traders, while Crypto.com is focusing on providing rewards and lifestyle benefits, cards, cash APY, airport lounge access, to casual users. In general, Crypto.com will be more appealing to casual users, while Kraken will be more suitable for serious professional traders.

Crypto.com for an all-in-one platform for consumers; Kraken for professional traders who want advanced trading options.

vs Celsius/BlockFi

Crypto.com has competitive earnings and staking rates (as much as 9.5% CRO), like traditional reward programs, but also gives you more with its "Level Up" subscription service. Like Celsius/BlockFi, Crypto.com is an all-in-one platform that includes a trading platform, cards, and lifestyle rewards.

Crypto.com is a larger ecosystem for a user compared to other reward programs that only offer yield.

What are the strengths and limitations of Crypto.com?

Pros

  • The rewards program offered by Crypto.com — Level Up is a tiered subscription service that combines your card rewards, cash rewards, staking, and trading fees into one program.
  • No trading fees at any level of membership — Plus members get trading fee rebates up to $20,000 per month; Pro members get trading fee rebates up to $50,000 per month; Private members have no limits.
  • Large rewards on credit cards — 6% back in CRO on credit card purchases + 5% APY on cash rewards.
  • Wide variety of assets — over 400 different cryptocurrencies are available for trading and staking.
  • Global Visa Card — with its partnership with Visa, Crypto.com offers prepaid and credit cards that can be used anywhere without foreign transaction fees.
  • Many ways to earn — through staking rewards, cash rewards, card cashback, and stock trading bonuses, there are many different ways to make money.
  • Low cost entry point — the Plus Tier ($4.99/month) allows access to premium features at an affordable price; Crypto.com also offers a free Basic Tier.

Cons

  • Concentration risk due to CRO — since CRO rewards are so strong, if a user decides to hold CRO to receive rewards, it could lead to a concentration of wealth among users who do not diversify their portfolio.
  • Confusing Tier System — with four different subscription tiers, it may be difficult for users who are just starting out with Crypto.com to determine which tier is best for them.
  • High barriers for private tier — a $50,000 minimum CRO lock-up will keep most retail users from being able to take advantage of the top tier's rewards.
  • Uncertainty of regulations — regulatory frameworks around cryptocurrency exchanges continue to evolve globally, resulting in potential regulatory risks for Crypto.com.
  • The Privacy Tier is a commitment-based product, with a 12-month mandatory lock-up on CRO, and as such provides limited flexibility for long-term investor strategies
  • Reliability Concerns — The cryptocurrency exchange outages that occur during times of extreme market volatility will severely limit an investor’s ability to engage in trading.
  • Spread Costs are Not Included — Quoted Trading Fees exclude Bid-Ask Spreads that can add significantly to the total cost of trading when markets become extremely volatile.

Who Is Crypto.com Best For?

Best For

  • Active crypto traders with moderate volume — Both Pro and Private Tiers Offer Zero Trading Fees — Until you reach $50,000 per month in trading volume, there are no fees for unlimited monthly trading volume, which reduces your overall transaction costs.
  • CRO token holders and believers — Level Up Rewards Structure Incentivizes CRO Holdings — With up to 9.5% Staking APY and High Cashback Percentages, Level Up's Rewards Structure Incentivizes Holding CRO.
  • Frequent international travelers — Crypto.com Visa Cards Provide Tangible Lifestyle Benefits — With 0% Foreign Exchange Fees and Airport Lounge Access, Crypto.com Visa Cards Provide Tangible Lifestyle Benefits.
  • Users seeking diversified earning mechanisms — The Platform Combines Cash Yields (APY 5%), Card Rewards (5-6% Back), Staking and Trading Fee Rebates into One Ecosystem.
  • High-net-worth crypto investors — The Private Tier Provides Unlimited Zero-Fee Trading, Exclusive Events, and Premium Card Benefits for Committed Users.

Not Suitable For

  • Buy-and-hold passive investors — Subscription Costs Will Never Justify Value If Users Rarely Trade — Users Should Consider Free Alternatives Like Kraken or Cold Storage Wallets Instead.
  • Users skeptical of CRO token — Rewards Structure Strongly Favors CRO Holdings — A User Must Have Confidence in Their Ability to Hold CRO For the Rewards Structure to Deliver Value. Users Should Consider Kraken or Coinbase for Diversified Rewards.
  • Traders seeking advanced professional tools — Crypto.com is Designed for Retail Users — Advanced Charting and Order Types Available for Professional Platforms Are Not Provided by Crypto.com. Users Should Consider Kraken Pro or Traditional Exchanges Instead.
  • Users in countries with strict crypto regulations — Uncertainty Surrounding Regulation in Some Jurisdictions May Impact Availability of Service — Prior to Committing, Verify That Crypto.com Complies with Regulations in Your Region.

Are There Usage Limits or Geographic Restrictions for Crypto.com?

Zero Trading Fees Limit (Plus)
Up to $20,000 per month trading volume, then standard maker/taker fees apply
Zero Trading Fees Limit (Pro)
Up to $50,000 per month trading volume, then standard maker/taker fees apply
Zero Trading Fees Limit (Private)
Unlimited trading volume with zero commissions
Standard Trading Fees
Maker/taker fees as low as 0.08%/0.18% depending on CRO balance and VIP status
CRO Staking Range
Up to 9.5% APY available; Private tier requires $50K at 8.5% yield or $500K at 9.5% yield
CRO Private Tier Lockup
12-month mandatory lockup period for Private tier membership
Card Rewards
Dependent on tier: Plus 5% on prepaid, Pro/Private up to 6% on credit cards
Cash APY
Up to 5% APY (coming soon according to 2026 sources)
Cryptocurrencies Available
400+ cryptocurrencies for trading and staking
Geographic Availability
Available globally; may have restrictions in certain jurisdictions due to regulatory requirements

Is Crypto.com Secure and Compliant?

Visa PartnershipCrypto.com Visa cards developed in partnership with Visa, providing global acceptance and fraud protection standards
Multi-Tier Rewards IntegrationLevel Up program consolidates Rewards+ benefits, simplifying reward tracking and compliance across subscription tiers
Staking ServicesBlockchain staking infrastructure supports multiple tokens (SOL, ETH, CRO) with transparent APY rates
User VerificationPlatform requires identity verification for crypto and fiat transactions to comply with AML/KYC requirements
Prepaid Card SecurityPrepaid and credit cards include standard fraud protection, no foreign transaction fees, and Visa Signature benefits
Regulatory ComplianceLicensed money transmitter in multiple U.S. states; complies with local crypto regulations in operating jurisdictions

What Customer Support Options Does Crypto.com Offer?

Channels
24/7 via chat.crypto.com, typically replies in under 10 minutesSelf-service articles covering app, exchange, payments, securitycontact@crypto.com for support requestsAvailable through official channels
Hours
24/7 for live chat
Response Time
Under 10 minutes for chat
Satisfaction
Mixed user reviews; some report slow resolutions for complex issues
Support Limitations
•No phone support available
•Email responses may take longer than chat
•Advanced issues may require ticket submission

What APIs and Integrations Does Crypto.com Support?

API Type
REST API for Exchange and App services
Authentication
API keys with IP restrictions, 2FA required
Webhooks
Supported for order updates, deposits, withdrawals on Exchange
SDKs
Official SDKs for Python, JavaScript; community libraries available
Documentation
Comprehensive docs.crypto.com with code samples and OpenAPI specs
Sandbox
Testnet environment available for Exchange API
SLA
99.9% uptime target for API services
Rate Limits
Tiered limits: 100 req/min basic, up to 1000 req/min VIP
Use Cases
Trading automation, portfolio management, payment processing, wallet integrations

What Are Common Questions About Crypto.com?

Users Can Contact Crypto.com Using 24/7 Live Chat at chat.crypto.com (typically within 10 minutes); Email contact@crypto.com. Most Common Issues are Covered Under Crypto.com’s Self-Serve Help Center. Phone Support Is Not Currently Available.

Crypto.com Accepts Credit/Debit Cards, Apple Pay, Google Pay, PayPal, Bank Transfers and Crypto Deposits. Temporary Holds on Card Verification Require Small Amounts. Limits Vary Based Upon Region and Verification Level.

Institutional-grade security at cold storage with 2FA, anti-phishing codes, and passkeys. Doesn’t keep the private keys of your wallet; complies with SOC 2 standards.

Select right network to deposit to prevent loss. Deposit usually takes 10-30 minutes; Withdrawals require 24 hours rolling limit as well as security checks. Process for recovery of wrong network deposits.

App for simple retail buying/selling, cards, earn products; and an exchange for advanced trading with higher leverage, lower fees, and more pairings. Both have access to +250 Cryptocurrencies.

Fees for spread are applied to card purchases (around 1-2% depending on tier) ; Exchange has maker/taker fees .075%-0.4% based on volume. There are no fees for deposits; Withdrawal fees depend on the network used.

To complete KYC you will need to verify and stake CRO tokens based on the tier of your card (Jade Green to Obsidian). Get cash back up to 8%, or rebates on Spotify & Netflix. Available in supported countries.

Yes, Refer your friends to earn CRO rewards. Both the referrer and referee will receive bonuses once the referee completes their deposit and trading volume requirements.

Is Crypto.com Worth It?

Crypto.com offers both exchange trading and mobile apps that allow users to buy/sell cryptocurrency. They also offer Visa cards that provide rewards. Crypto.com provides “earn” products which are designed to provide users a way to earn interest on their cryptocurrency holdings. The platform is strong on user experience and fiat on-ramp options, however they face regulatory challenges and past security issues. The platform is best suited for retail users who want all-in-one crypto services.

Recommended For

  • Retail users who seek a mobile first experience in using cryptocurrency.
  • Users looking for crypto debit/credit cards with cashback.
  • Active traders looking for both spot and derivatives.
  • Users in supported countries who want fiat-to-crypto onramp options.

!
Use With Caution

  • Users in heavily regulated jurisdictions (availability may be limited).
  • High volume traders (best suited for competitive but not the lowest fee options).
  • Users who prioritize decentralization (this is a custodial service).
  • New users who are unfamiliar with crypto security practices.

Not Recommended For

  • Users who want fully non-custodial solutions.
  • Budget conscious traders looking for the lowest fee options.
  • Potential customers for prime brokerage
  • Customers who are unable to use services due to a country's restrictions on the service
Expert's Conclusion

Crypto.com is great for individual retail investors, however it is not suitable for institutional traders or those looking for decentralized exchanges.

Best For
Retail users who seek a mobile first experience in using cryptocurrency.Users looking for crypto debit/credit cards with cashback.Active traders looking for both spot and derivatives.

What do expert reviews and research say about Crypto.com?

Key Findings

Retail investor platform with over 250 assets available for trade, and mobile app, in addition to the ability to purchase a Visa card which offers up to 8% cash back for certain transactions. The platform also has exchange capabilities for advanced trading, as well as strong fiat on-ramps and security features; however, there is currently no phone-based customer support and regional availability may be limited. The platform provides comprehensive assistance through both its active Help Center and 24/7 live chat function.

Data Quality

Good - detailed official help center and documentation. Customer service details confirmed across multiple sources. Some user experience data from reviews. Regulatory/service availability varies by jurisdiction.

Risk Factors

!
Risks associated with providing custodial services
!
Changes in regulations across different jurisdictions
!
Volatility within the cryptocurrency markets
!
Previous hacking incidents experienced by other exchanges in the industry
Last updated: February 2026

What Additional Information Is Available for Crypto.com?

Crypto.com Visa Cards

Tiered (metal/plastic) cards (Obsidian to Midnight Blue) that require CRO staking to achieve each tier; rewards can range from 2-8% cash back in CRO, along with additional rewards such as streaming services like Spotify and Netflix, and lounge access. Cards available in over 50 countries.

CRO Token Utility

Native token that can be used to stake to unlock the various card tiers, receive trading fee discounts (up to 100%), and earn interest. Supply of the native token will be reduced quarterly through burning based upon card spending volume.

Global Licensing

Registered with FinCEN (US Money Service Business); licensed in multiple jurisdictions, including Malta, and the Cayman Islands; expanding their institutional services through Crypto.com Prime.

Sports Sponsorships

Official cryptocurrency partner for FIFA World Cup, UFC, Formula 1, and Paris St-Germain. Over $700 million has been spent on sports marketing to promote mainstream acceptance of cryptocurrency.

Security Features

All user funds are stored in cold storage at 100%, and have $750 million in insurance coverage. Additionally, advanced security features include one-button locking, passkeys, anti-phishing codes, and a vulnerability disclosure program.

What Are the Best Alternatives to Crypto.com?

  • •
    Coinbase: US-regulated exchange that provides better institutional services and compliance than many other exchanges. Better suited for beginner investors, and institutional investors; fewer trading pairs, and no rewards cards. Suitable for users who prioritize compliance. (coinbase.com)
  • •
    Binance: Currently largest global exchange by volume, offering the lowest fees, and most trading pairs. Offers the most derivatives/leveraged products, and has a very complex interface; however, there are regulatory concerns in some countries. Most suitable for active traders. (binance.com)
  • •
    Kraken: Has a higher level of security in terms of its regulations as well as its institutional services and staking; however it has fewer on ramps for fiat money. Is better suited to a user who is interested in security. (https://www.kraken.com/)
  • •
    Gemini: Regulated by the NYDFS, this exchange also has a high level of security as well as a high level of institutional focus. In addition to earning products Gemini offers a credit card and other financial services. However, Gemini has limited trading features compared to some exchanges. This would be best for an institution or user that requires a high level of compliance. (https://www.gemini.com/)
  • •
    KuCoin: Has a wide variety of altcoins, and offers a very good mobile experience. Has lower fees than Gemini, however does have a much lower level of regulation. If you are looking for a Crypto.com alternative to trade altcoins KuCoin may be worth considering. (https://www.kucoin.com/)

What Wallet Security Features Does Crypto.com Offer?

Cold Storage

Over 90% of user funds stored offline

Multi-Factor Authentication

Required for withdrawals, supports authenticator apps

Withdrawal Address Whitelisting

Restricts withdrawals to approved addresses

Anti-Phishing Measures

Unique anti-phishing codes for email verification

Proof of Reserves

Regular audits confirm full backing of user funds

Insurance Coverage

Protection against theft or damage

Biometric Authentication

Facial recognition and fingerprint verification

Passkeys and HSMs

Advanced security including FIDO2 and hardware security modules

What Asset Types Does Crypto.com Support?

250+
Total Cryptocurrencies
500+
Trading Pairs
USDC, USDT, DAI
Stablecoins
100+ supported
DeFi Tokens
Ethereum, Polygon, Solana
NFT Support
20+ blockchains
Networks Supported

What Insurance Coverage Does Crypto.com Provide?

Hot Wallet Coverage
Private insurance against theft and damage
Cold Storage Protection
Over 90% of funds secured offline
Coverage Scope
Includes protection against theft, damage, and security breaches
Security Audits
Third-party security assessments conducted regularly
Proof of Reserves
User funds fully backed per regular audits

How Are Fees Structured for Crypto.com?

Fee TypeStandardAdvanced TradingNotes
Spot TradingUp to 0.60%0.00%-0.40%Maker/taker model, tiered by volume
Instant Buy/Sell1.49%-3.99%Spread + flat fee based on payment method
Crypto WithdrawalNetwork feeNetwork feeVaries by asset and network congestion
Fiat WithdrawalFree-$25FreeACH free, wire fees apply
Staking Rewards Fee10-25% commission10-25% commissionPlatform fee on earned rewards
Custody Fee0%0%No additional custody charges

How Does Crypto.com's Staking Rewards Compare?

AssetAPY RangeLock PeriodMinimum
Ethereum (ETH)3.0%-5.0%$1 minimum
Solana (SOL)5.0%-7.0%$1 minimum
Cardano (ADA)2.5%-4.0%$1 minimum
Cosmos (ATOM)10.0%-15.0%21 days unbonding$1 minimum
Polkadot (DOT)8.0%-12.0%28 days unbonding$1 minimum
USDC4.0%-6.0%$1 minimum

What Platforms Does Crypto.com Support?

iOS AppAndroid AppWeb PlatformDesktop App100+ CountriesUS AvailableUK AvailableEU Available

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