About Crypto.com

Crypto.com is a centralized crypto platform founded in 2016 by Kris Marszalek, Rafael Melo, Gary Or, and Bobby Bao. Headquartered in Singapore with a major Malta operating presence, it now combines a consumer app, professional exchange, onchain wallet, Visa card, Pay, Earn, staking, NFTs, and institutional services.

Market trackers show Crypto.com as a large, liquid venue today. CoinMarketCap lists roughly $1.1 billion in 24-hour spot volume and about $2.0 billion in total assets. CoinGecko currently shows 431 coins, 591 pairs, around $1.4 billion in 24-hour volume, and exchange reserves near $2.0 billion.

In 2026, Crypto.com’s regulatory push remained active. It received conditional OCC approval for a US national trust bank charter, creating a path toward federally regulated custody. The company also announced a UAE Stored Value Facilities license, while its public licenses page lists registrations across multiple major regions.

For reach, Crypto.com says it operates in more than 100 countries and supports buying, selling, and trading. Access depends on local eligibility, but users can typically use the mobile app, web exchange, exchange APIs, browser-based Onchain Wallet, and iOS or Android apps.

Crypto.com Features

Crypto.com combines beginner buying, advanced exchange tools, yield products, and lifestyle services. Its feature set spans trading, staking, cards, payments, wallets, travel rewards, custody, institutional access, and selected financial services.

Trading Types

Crypto.com supports simple app orders and advanced exchange products, though access depends on jurisdiction, account eligibility, and local derivatives rules for each user.

Main trading products available across Crypto.com include:

• Instant Buy: Users can buy and sell supported cryptocurrencies directly through the app, using card payments, fiat balances, bank transfers, or supported local rails.
• Spot: The Crypto.com Exchange offers order-book trading for crypto pairs, with market, limit, stop-limit, and advanced execution tools for active traders.
• Margin: Eligible exchange users can borrow funds against collateral, creating larger long or short positions while accepting liquidation and interest risks.
• Perpetuals: Qualified traders can access perpetual contracts, including crypto pairs and selected non-crypto reference markets, without fixed expiry dates.
• Futures: Crypto.com lists futures-style derivatives for eligible users, giving traders leveraged exposure through contracts governed by exchange rules and margin requirements.
• Rwa Perps: The exchange added real-world-asset perpetuals, including pre-IPO private-company contracts and selected commodities or index benchmarks, where locally permitted.
• Trading Bots: Built-in bots include Grid, Dollar Cost Average, and TWAP strategies, helping automate execution within chosen parameters and market conditions.
• OTC Desk: Institutions and VIP traders can request large private quotes, reducing order-book slippage when executing sizeable crypto transactions.
• TradingView: Eligible users can connect exchange accounts to TradingView, then trade spot, margin, and perpetual markets through chart interfaces.
• API Access: Institutional and advanced users can access REST, WebSocket, and FIX connectivity for automated trading, market data, and direct market access.

Earn Options

Crypto.com offers several reward products, but rates, lockups, supported assets, and availability vary by country, asset type, campaign, and regulatory eligibility.

Primary earning routes on Crypto.com include:

• Crypto Earn: Eligible app users can allocate supported tokens into flexible or fixed terms, receiving variable rewards based on asset and commitment length.
• Onchain Staking: Users can stake supported proof-of-stake assets through the app, helping secure networks while receiving protocol-based staking rewards.
• Soft Lockup: Exchange users may earn rewards on eligible idle balances, while keeping assets available for trading and withdrawals under program conditions.
• CRO Rewards: CRO holders can access ecosystem benefits, including exchange rewards, card benefits, reduced fees, and Level Up-related perks.
• Flash Rewards: Crypto.com runs temporary campaigns offering boosted rates on selected tokens, usually with campaign limits, deadlines, and eligibility requirements.
• Supercharger: Eligible users can deposit CRO into event pools, then receive rewards from featured project allocations after the charging period ends.
• Card Rewards: Crypto.com Visa Card users can earn CRO back on purchases, with rates depending on card tier and regional terms.
• Level Up: Paid or CRO-lockup plans can boost card rewards, travel benefits, fee allowances, and other ecosystem privileges for eligible users.
• Cash Yield: In supported regions, users may access cash-yield products, offering rewards on cash balances through specific account structures and partners.

Additional Services

Beyond trading and rewards, Crypto.com adds wallet, payment, card, travel, custody, institutional, and developer products around its exchange and mobile app.

Notable supporting services within Crypto.com include:

• Visa Card: The prepaid Visa card lets users spend converted crypto or fiat, while earning CRO rewards depending on tier and region.
• Onchain Wallet: Crypto.com Onchain is a self-custody wallet supporting multichain assets, decentralized apps, swaps, staking, and browser extension access.
• Crypto Pay: Crypto.com Pay supports crypto payments for users and merchants, including selected checkout, gift card, and travel reward flows.
• Travel: Crypto.com Travel offers in-app accommodation and ticket booking, with CRO rewards tied to payment method and Level Up status.
• NFT Marketplace: Users can browse, buy, sell, and manage supported NFT collections through Crypto.com’s marketplace and related account tools.
• Custody: Crypto.com Custody provides qualified custody services for institutions needing secure storage, governance controls, and regulated digital-asset infrastructure.
• Prime: Crypto.com Prime targets high-net-worth and institutional users with enhanced service, trading access, liquidity, and relationship-based account support.
• Broker Program: Brokers and financial intermediaries can connect through Crypto.com’s program, gaining access to liquidity, infrastructure, custody, APIs, and partnership support.
• Tax Tools: Crypto.com Tax helps users organize transaction records and prepare crypto tax reports, though local professional advice remains important.
• Delphi: Delphi is Crypto.com’s AI assistant, designed to help users search, learn, and navigate app features more efficiently.

Crypto.com User Reviews

Crypto.com reviews vary sharply by platform, showing strong mobile app ratings alongside weak consumer-review scores. This suggests satisfaction depends heavily on product, region, and issue type.

App store users often praise convenience, coverage, and design, while complaint sites highlight support delays, verification problems, withdrawal friction, spreads, and account restrictions.

Current review signals across major platforms include:

• Trustpilot: Crypto.com holds a weak 1.5/5 TrustScore from 9,186 reviews, with many complaints about support response times, locked accounts, withdrawal delays, and verification friction.
• Apple App: The main iOS app shows 4.7/5 from 330K ratings, suggesting strong satisfaction among mobile users buying, selling, and managing crypto.
• Google Play: The Android app shows 4.5/5 from roughly 686K reviews, plus 50M+ downloads, indicating broad adoption and generally positive mobile feedback.
• Chrome Extension: Crypto.com Onchain Extension shows 3.4/5 from 77 ratings, making browser-wallet sentiment weaker and based on a smaller review sample.
• Company Page: Crypto.com’s US app page cites 976,893 app-rating stars and 150M+ users, reinforcing scale but not replacing independent reviews.

Overall, Crypto.com’s mobile ratings look strong, but public complaint platforms reveal recurring issues around service, access, withdrawals, and account investigations.

Is Crypto.com Safe?

Crypto.com appears security-focused, with certifications, account controls, proof-of-reserves tools, and insurance arrangements. Still, users should weigh these protections against past incidents, withdrawal risks, phishing threats, and jurisdiction-specific safeguards.

Account Safety Measures

Crypto.com gives users several account-level controls, including passkeys, two-factor authentication, withdrawal whitelisting, biometric checks, anti-phishing codes, and device management across supported apps.

Key account protections users can enable include:

• Passkeys: Passkeys use device-stored cryptographic keys, allowing phishing-resistant logins and transaction approvals without relying only on passwords, SMS codes, or authenticator prompts.
• Two-Factor: Two-factor authentication adds an authenticator-code step for sensitive actions, including withdrawals, security changes, and other account-level operations.
• Whitelisting: Withdrawal address whitelisting requires users to approve external addresses before transfers, reducing risk from copied addresses, malware, or rushed withdrawal attempts.
• Lock Delay: The optional 24-hour withdrawal lock blocks transfers to newly whitelisted addresses, giving users time to react after suspicious account changes.
• Biometrics: Crypto.com’s Exchange App lists Biometric ID among account-management tools, helping users secure mobile access through device-level identity checks.
• Anti-Phishing: The Exchange App includes an anti-phishing code, helping users distinguish legitimate Crypto.com emails from impersonation attempts and malicious messages.
• Trusted Devices: The Exchange App supports Trusted Device Management, letting users monitor approved devices and reduce exposure from unfamiliar logins.
• Scam Guidance: Crypto.com’s scam-prevention guide warns against high-return schemes, suspicious addresses, fake websites, and unverified third-party payment requests.

Asset Protection

Crypto.com combines reserve transparency, cold-storage insurance, compliance certifications, and institutional custody products, though these measures do not remove normal crypto market or counterparty risks.

Important asset-protection layers include:

• Proof Reserves: Crypto.com’s Proof of Reserves page lets users verify included balances through Merkle Tree proofs prepared through an independent audit process.
• Merkle Tree: Its Merkle Tree system anonymizes client balances, letting users check inclusion without publicly revealing individual holdings or account-level personal data.
• Security Standards: Crypto.com’s security page lists ISO 27001, ISO 27701, ISO 22301, PCI DSS, SOC 2 Type II, and NIST Tier 4 assessments.
• Cold Insurance: Crypto.com announced a $750 million insurance programme covering cold-storage assets, including direct and indirect custodian coverage.
• Custody Coverage: Crypto.com Custody Trust Company said it arranged $120 million insurance covering cold-storage loss, theft, damage, and third-party crime risks.
• Bug Bounty: Crypto.com operates a HackerOne bug bounty and announced a $2 million programme to reward external vulnerability research.
• User Policy: The Account Protection Programme can cover eligible unauthorized withdrawals, but users must meet policy conditions and security requirements.

Security History

Crypto.com has strengthened security over time, but its record includes a major 2022 breach where attackers bypassed controls and triggered unauthorized withdrawals.

Notable events and responses include:

• 2022 Breach: Forbes reported that 483 users were affected in January 2022, with unauthorized withdrawals totaling roughly $35 million.
• 2Fa Bypass: TechCrunch reported that attackers bypassed two-factor checks, withdrawing ETH, BTC, and other crypto from affected user accounts.
• Customer Repaid: Wired reported that Crypto.com said affected customers were reimbursed after the incident and additional protections were implemented.
• Withdrawal Pause: The Register reported Crypto.com halted withdrawals, revoked customer 2FA tokens, and required users to reconfigure security settings after the attack.
• Incident Amount: The Record reported the breach involved about $34 million and 483 users, citing Crypto.com’s public incident statement.
• Monitoring Trigger: BleepingComputer reported Crypto.com detected suspicious transactions through risk monitoring after withdrawals occurred without user-entered 2FA challenges.
• Security Expansion: After the breach, Crypto.com expanded account protections, including stronger authentication flows, withdrawal controls, passkeys, and broader Account Protection Programme documentation.

Is Crypto.com Regulated?

Crypto.com is regulated through multiple group entities, with licenses, registrations, and conditional approvals spanning the Americas, Europe, Asia-Pacific, the Middle East, and Africa.

Current Crypto.com licenses and registrations include:

• Brazil: Crypto.com lists a COAF registration and Payment Institution License in Brazil, supporting regulated local operations under the country’s financial-compliance framework.
• Canada: Crypto.com lists a FINTRAC money-services business registration and Restricted Dealer Registration, covering Canadian crypto activity under financial-services oversight.
• Cayman Islands: Crypto.com lists conditional approval as a Virtual Asset Service Provider, signaling progress toward supervised virtual-asset operations in the jurisdiction.
• United States: Crypto.com lists broker-dealer registration, DCO, DCM, MSB, money transmitter licenses, trust charters, and conditional OCC approval across US entities.
• EEA: Crypto.com’s Malta entity holds a Class 2 MiCA Crypto-Asset Service Provider license, enabling passported crypto services across the European Economic Area.
• United Kingdom: Crypto.com lists a Crypto-Asset Business Registration and Electronic Money Institution License, covering UK crypto services and regulated e-money activities.
• Australia: Crypto.com lists Digital Currency Exchange Service Provider Registration and Financial Services License, covering local exchange and financial-services permissions.
• Hong Kong: Crypto.com lists a Virtual Asset Trading Platform License with deemed-license status, reflecting oversight under Hong Kong’s SFC framework.
• Singapore: Crypto.com holds a Major Payment Institution License from MAS, covering digital payment token services in Singapore.
• South Korea: Crypto.com lists Electronic Financial Transaction Act and Virtual Asset Service Provider approvals, supporting regulated Korean operations under local financial rules.
• Abu Dhabi: Crypto.com lists an ADGM Category 3A License, supporting regulated activity within Abu Dhabi Global Market’s financial-services framework.
• Dubai: Crypto.com lists Stored Value Facilities and Virtual Assets Service Provider licenses, covering UAE payment and virtual-asset services.

Crypto.com Fee Schedule

Crypto.com uses tiered maker-taker pricing across spot, margin, perpetual, futures, and warrant markets. Fees depend on 30-day volume, CRO balance, product type, and jurisdiction.

The main app may include spreads on instant orders, while exchange users see clearer order-book pricing. Deposits, withdrawals, and transfers vary by asset, network, and payment rail.

Spot Fees

• Base Rate: Level 1 spot traders below $10,000 monthly volume pay 0.250% maker and 0.500% taker fees without eligible CRO balance.
• Cro Discount: With CRO balance, Level 1 spot maker fees drop to 0%, while taker fees fall 12% to 0.4400%.
• Volume Tiers: Higher spot tiers reduce fees progressively, reaching 0.080% maker and 0.180% taker at $500,000 monthly volume without CRO.
• Top Tier: At $10 million monthly spot volume, listed fees reach 0.000% maker and 0.050% taker before extra VIP arrangements.
• Maker Benefit: Maker orders cost less because they add liquidity, while taker orders execute immediately against existing order-book liquidity.
• Zero Maker: Selected markets and CRO-based benefits may offer 0% maker fees, improving costs for limit-order and automated traders.
• Api Fees: API trades use the same account fee tier, so automated strategies pay according to the user’s exchange pricing level.

Perpetual and Futures Fees

• Base Rate: Derivatives fees apply to perpetual, futures, and warrant contracts, using separate maker-taker rates from the spot trading table.
• Level One: Level 1 derivatives traders below $1 million monthly volume pay around 0.017% maker and 0.034% taker fees.
• Higher Volume: At larger derivatives volumes, fees decline across tiers, with high-volume users reaching lower taker fees and possible maker discounts.
• Cro Benefits: CRO lockups can provide derivatives fee discounts, 0% maker fees, or maker rebates, depending on the locked amount.
• Fee Formula: Perpetual trading fees equal quantity multiplied by entry price, then multiplied by the applicable derivatives fee percentage.
• Futures Formula: Futures trading fees use the same formula: quantity multiplied by entry price, then multiplied by the futures fee percentage.
• Funding Costs: Perpetual positions also face hourly funding settlements, paid between longs and shorts depending on the displayed funding rate.
• Jurisdiction Limits: Derivatives products are not available everywhere, so fee access depends on eligibility, account status, and local regulatory restrictions.

Deposits, Withdrawals & P2P

• Crypto Deposits: Crypto.com Exchange charges no crypto deposit fees, though sending wallets or other exchanges may charge blockchain network fees.
• Crypto Withdrawals: External crypto withdrawals are on-chain transfers with fees, settled in the withdrawn currency and shown before confirmation.
• App Transfers: Withdrawals from Exchange to Crypto.com App are instant, while external wallet withdrawals may take two to three hours.
• Fiat Support: The Exchange supports USD and EUR fiat deposits and withdrawals for retail users and institutions through available banking rails.
• Swift Deposits: Retail USD SWIFT deposits currently have no Crypto.com deposit fee, though banks may still charge processing fees.
• Swift Withdrawals: Retail USD SWIFT withdrawals carry a US$45 network fee, plus any applicable USD withdrawal charges.
• P2P Payments: Crypto.com Pay charges no transaction fee, though external-wallet payments may require Ethereum gas or other network costs.
• Pay Merchants: Crypto.com Pay for Business charges no transaction fee, but merchant payout fees may apply when withdrawing balances.

What is the Crypto.com Card?

The Crypto.com Card is a prepaid Visa or regional card product connected to the Crypto.com App. Users top it up from a crypto wallet, cash account, or supported cards, then spend converted fiat at merchants and ATMs where the network is accepted.

Its main draw is rewards. Crypto.com advertises up to 5% back in crypto on prepaid card spending, while US Visa Signature credit card users may earn higher Level Up rewards. Benefits depend on plan, CRO lockup, subscription status, region, and card type.

Cardholders cannot load cryptocurrency directly onto the prepaid card. Crypto is converted into the relevant market currency before spending or withdrawals. Fees, ATM limits, foreign exchange rules, reward caps, rebates, and available tiers vary by jurisdiction, so users should check local card terms.

Final Thoughts

Crypto.com is best viewed as a broad crypto ecosystem, not just an exchange. It combines trading, cards, staking, wallet access, rewards, institutional products, and regional licenses under one recognizable brand.

Its strongest points are product depth, mobile usability, security investment, and regulatory progress. However, users should compare fees, spreads, withdrawal rules, customer support feedback, and local availability before committing funds.

Overall, Crypto.com suits users who want an all-in-one platform with strong app coverage. Active traders, however, should still test exchange pricing, execution quality, and support responsiveness carefully.