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Home Platforms Coinbase vs Crypto.com

Compare Coinbase vs Crypto.com

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Pros & Cons

tick The largest crypto exchange in the US
tick Simple, easy to understand interface
tick Fully regulated in the US
tick Earn crypto for watching educational videos
tick Higher average review rating than Crypto.com (94% vs 90%)
tick More reviews than Crypto.com (1,702,277 vs 166,276 reviews)
tick Been in business longer than Crypto.com (Founded 2012 vs 2016)
tick Has fewer users than Crypto.com
tick Instantly buy crypto with fiat on Coinbase but not on Crypto.com
tick Account verification in less than 1 hour available on Coinbase but not on Crypto.com
tick Has phone support but Crypto.com doesn't
tick Interface supports Argentinian-Spanish, Mexican Spanish, Thai, Chilean Spanish, Peruvian Spanish and Colombian Spanish whereas Crypto.com doesn't
tick Fully comprehensive suite of crypto services.
tick Automatically buy cryptos on a fixed schedule - great for dollar cost averaging.
tick Regulated & trustworthy.
tick DeFi Wallet lets you retain control of your private keys and still benefit from access to Crypto.com products.
tick Very few fees, including no origination or early repayment fees on loans
tick Create sub-accounts to allow management of separate portfolios
tick US users can use Apple Pay and Google Pay to securely buy crypto
tick Higher rating for android phone app than Coinbase (4.4 vs 4.3 stars)
tick Higher rating on Trustpilot than Coinbase (1.9 vs 1.5 stars)
tick Pro exchange marketplace available on Crypto.com but not on Coinbase
tick Interface supports Korean, Japanese, Dutch, Vietnamese, Romanian, Indonesian and Canadian French whereas Coinbase doesn't
Staking Rates
tick Coinbase has a higher base earnings rate for USDC (4.6%% vs 0.40000%)
tick Coinbase will pay interest on USDD stable coin deposits whereas Crypto.com does not
3 more stakings rates pros ...
Staking Rates
tick Crypto.com will pay interest on 3 stable coin deposits not offered by Coinbase:
tick Crypto.com will pay interest on 5 crypto currency deposits not offered by Coinbase:
1 more stakings rates pro ...
cross Investments in liquidity pools can be higher risk
cross Liquidity pool investments are only suitable for advanced crypto users
cross Mobile app interface is a little clumsy to navigate at times.
cross No web app available. You must use the phone app.
cross Quite low savings rates unless you are prepared to lock up your money for at least 1 month.
cross Crypto loans not available in all countries
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Reviews

94% based on 1,702,277 reviews
90% based on 166,276 reviews
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Staking Rates

The table below compares the staking rates for Coinbase and Crypto.com.
Stable Coins
USDC USDC
4.6%
4.6%
USDD USDD
5.02%
5.02%
Crypto Currencies
10.4%
10.4%
AAVE Aave
6.23%
6.23%
ADA Cardano
2%
2%
ALGO Algorand
6.73%
6.73%
API3 API3
2.5%
2.5%
APT Aptos
6.36%
6.36%
ARCH Archway
20.9%
20.9%
ATOM Cosmos
10.3%
10.3%
AUDIO Audius
19.7%
19.7%
AVAX Avalanche
7.42%
7.42%
46%
46%
AZERO Aleph Zero
11.5%
11.5%
11.3%
11.3%
0.57%
0.57%
CANTO CANTO
7.76%
7.76%
4.01%
4.01%
CHEQ cheqd
11.7%
11.7%
CMDX Comdex
34.5%
34.5%
0.97%
0.97%
DASH Dash
5.49%
5.49%
DOT Polkadot
9.77%
9.77%
DSM Desmos
19.8%
19.8%
DVPN Sentinel
20.4%
20.4%
28.3%
28.3%
EROWAN SifChain
74.5%
74.5%
ETH Ethereum
3.28%
3.28%
ETHDYDX dYdX (ethDYDX)
<&nbsp;0.01%
<&nbsp;0.01%
EVMOS Evmos
35%
35%
EXRD e-Radix
8.38%
8.38%
FLOW Flow
8.93%
8.93%
FTM Fantom
1.58%
1.58%
GMX GMX
3.5%
3.5%
GRT The Graph
5.62%
5.62%
IRIS IRISnet
6.9%
6.9%
JUNO JUNO
28.9%
28.9%
KAVA Kava
15.1%
15.1%
<&nbsp;0.01%
<&nbsp;0.01%
KLV Klever
5.93%
5.93%
2.32%
2.32%
KSM Kusama
12.8%
12.8%
MINA Mina
10.4%
10.4%
7.24%
7.24%
NRG Energi
56.5%
56.5%
ONE Harmony
7.73%
7.73%
OSMO Osmosis
11.2%
11.2%
21.8%
21.8%
7.07%
7.07%
RUNE THORChain
22.7%
22.7%
SKL SKALE
10.9%
10.9%
SNX Synthetix
<&nbsp;0.01%
<&nbsp;0.01%
SOL Solana
4.35%
4.35%
STARS Stargaze
9.51%
9.51%
STX Stacks
11.4%
11.4%
SUI Sui
4.97%
4.97%
TRX TRON
3.48%
3.48%
18.4%
18.4%
21%
21%
XTZ Tezos
4.62%
4.62%
99.9%
99.9%
ZIL Zilliqa
12.9%
12.9%
<&nbsp;0.01%
<&nbsp;0.01%
Loading rates ...
Stable Coins
DAI Dai
0.4% - 6.5%
0.4% - 6.5%
USDC USDC
0.4% - 6.5%
0.4% - 6.5%
USDP Pax Dollar
0.1% - 3%
0.1% - 3%
0.4% - 6.5%
0.4% - 6.5%
Crypto Currencies
ADA Cardano
0.1% - 3%
0.1% - 3%
ALGO Algorand
0.1% - 3%
0.1% - 3%
ATOM Cosmos
0.35% - 7%
0.35% - 7%
AVAX Avalanche
0.25% - 6%
0.25% - 6%
BNB BNB
0.1% - 3%
0.1% - 3%
BTC Bitcoin
0.1% - 1.5%
0.1% - 1.5%
0.1% - 3%
0.1% - 3%
DOT Polkadot
1.15% - 12.5%
1.15% - 12.5%
ETH Ethereum
0.1% - 2%
0.1% - 2%
FTM Fantom
0.1% - 3%
0.1% - 3%
MATIC Polygon
0.35% - 7%
0.35% - 7%
0.25% - 6%
0.25% - 6%
ONE Harmony
0.25% - 6%
0.25% - 6%
SOL Solana
0.25% - 4.5%
0.25% - 4.5%
VET VeChain
0.1% - 3%
0.1% - 3%
ZIL Zilliqa
0.25% - 6%
0.25% - 6%
Loading rates ...
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Company

Legal name
Coinbase Global Inc
Legal name
MCO Malta DAX Limited / Foris MT Limited / Foris DAX Global Limited
Year founded
2012
Year founded
2016
Country incorporated in
2
Country incorporated in
106
Headquarters country
2
Headquarters country
106
Platform token
USDC
Platform token
Cronos
Decentralised
cross No
Decentralised
cross No
Number of employees
4100
Number of employees
900+
Number of users
73,000,000
Number of users
10,000,000
Total assets under management
$5,860,000,000USD
Total assets under management
Withdrawal time in hours
Withdrawal time in hours
1hours
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Products

Savings accounts
tick Yes
Savings accounts
tick Yes
Loans
tick Yes
Loans
tick Yes
Crypto to crypto exchange
tick Yes
Crypto to crypto exchange
tick Yes
Fiat to crypto exchange
tick Yes
Fiat to crypto exchange
tick Yes
Pro exchange marketplace
cross No
Pro exchange marketplace
tick Yes
Peer to peer exchange
cross No
Peer to peer exchange
cross No
Margin trading
cross No
Margin trading
Corporate accounts
tick Yes
Corporate accounts
tick Yes
Instantly buy crypto with fiat
tick Yes
Instantly buy crypto with fiat
cross No
Integrated crypto wallet
tick Yes
Integrated crypto wallet
tick Yes
Crypto withdrawals to private wallet
tick Yes
Crypto withdrawals to private wallet
tick Yes
Fast account verification
tick Yes
Fast account verification
cross No
Futures exchange
cross No
Futures exchange
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Security

Insurance level
Insurance level
$360,000,000USD
Cold storage
tick Yes
Cold storage
tick Yes
Cold storage custodian
Cold storage custodian
Ledger Vault
Crypto security standard
Crypto security standard
Level 3
Two factor authentication
tick Yes
Two factor authentication
tick Yes
Credit check
cross No
Credit check
cross No
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Support

24/7 support
tick Yes
24/7 support
tick Yes
Email support
cross No
Email support
cross No
Phone support
tick Yes
Phone support
cross No
Chat support
tick Yes
Chat support
tick Yes
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Fees

Maker fee
Maker fee
0%
Taker fee
Taker fee
0%
Fiat deposit fee
tick Free
Fiat deposit fee
tick Free
Fiat withdrawal fee
tick Free
Fiat withdrawal fee
Crypto deposit fee
tick Free
Crypto deposit fee
tick Free
Withdrawal process
Withdrawal process
Withdrawals are fully automatic and are normally completed within an hour or so of the request being submitted.
Withdrawal time
Withdrawal time
1 hours
Crypto withdrawal fee
tick Free
Crypto withdrawal fee
Withdrawl fees vary by crypto currency type
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Investment Strategy

Independent proof of reserves
Independent proof of reserves
cross No
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Registrations & Regulation

Know your customer
tick Yes
Know your customer
tick Yes
Regulators
Coinbase is licensed in most US jurisdictions, is registered as a money services business with FinCEN and is regulated by the FCA in the UK.
Regulators
Financial Institution License and a Class 3 Virtual Financial Assets issued by the Maltese Financial Services Authority
Connecticut - Money Transmitter License
tick Yes
Connecticut - Money Transmitter License
Georgia - Seller of Payment Instructions
tick Yes
Georgia - Seller of Payment Instructions
Idaho - Department of Finance - Money Transmitter License
tick Yes
Idaho - Department of Finance - Money Transmitter License
Illinois - Department of Financial and Professional Regulation - Money Transmitter License
tick Yes
Illinois - Department of Financial and Professional Regulation - Money Transmitter License
Kansas - Office of the State Bank Commissioner - Money Transmitter License
tick Yes
Kansas - Office of the State Bank Commissioner - Money Transmitter License
Maryland - Money Transmitter License
tick Yes
Maryland - Money Transmitter License
Minnesota - Department of Commerce - Money Transmitter License
tick Yes
Minnesota - Department of Commerce - Money Transmitter License
North Carolina - Money Transmitter License
tick Yes
North Carolina - Money Transmitter License
Nebraska - Money Transmitter License
tick Yes
Nebraska - Money Transmitter License
New Hampshire - Banking Department - Money Transmitter License
tick Yes
New Hampshire - Banking Department - Money Transmitter License
New Jersey - Money Transmitter License
tick Yes
New Jersey - Money Transmitter License
Ohio - Money Transmitter License
tick Yes
Ohio - Money Transmitter License
Oregon - Division of Financial Regulation - Money Transmitter License
tick Yes
Oregon - Division of Financial Regulation - Money Transmitter License
Puerto Rico - Money Transmitter License
tick Yes
Puerto Rico - Money Transmitter License
South Carolina - Money Transmitter License
tick Yes
South Carolina - Money Transmitter License
Tennessee - Money Transmitter License
tick Yes
Tennessee - Money Transmitter License
Washington - Money Transmitter License
tick Yes
Washington - Money Transmitter License
Mississippi - Department of Banking and Consumer Finance - Money Transmitter License
tick Yes
Mississippi - Department of Banking and Consumer Finance - Money Transmitter License
Alabama - Sale of Checks License
tick Yes
Alabama - Sale of Checks License
Alaska - Money Transmitter License
tick Yes
Alaska - Money Transmitter License
Arizona - Money Transmitter
tick Yes
Arizona - Money Transmitter
Arkansas - Money Transmission License
tick Yes
Arkansas - Money Transmission License
Delaware - Sale of Checks and Transmission of Money
tick Yes
Delaware - Sale of Checks and Transmission of Money
District of Columbia - Money Transmitter License
tick Yes
District of Columbia - Money Transmitter License
Florida - Money Transmitters Part II
tick Yes
Florida - Money Transmitters Part II
Iowa - Money Services License
tick Yes
Iowa - Money Services License
Louisiana - Money Transmitter License
tick Yes
Louisiana - Money Transmitter License
Maine - Money Transmitter License
tick Yes
Maine - Money Transmitter License
Michigan - Money Transmitter License
tick Yes
Michigan - Money Transmitter License
New Mexico - Money Transmission License
tick Yes
New Mexico - Money Transmission License
Oklahoma - DOB Money Transmission License
tick Yes
Oklahoma - DOB Money Transmission License
South Dakota - Money Transmitter License
tick Yes
South Dakota - Money Transmitter License
Texas - DOB Money Transmitter License
tick Yes
Texas - DOB Money Transmitter License
West Virginia - Money Transmitter License
tick Yes
West Virginia - Money Transmitter License
Colorado - Money Transmission License
tick Yes
Colorado - Money Transmission License
Kentucky - Money Transmission License
tick Yes
Kentucky - Money Transmission License
Nevada - Money Transmitter
tick Yes
Nevada - Money Transmitter
New York - Money Transmission License
tick Yes
New York - Money Transmission License
New York - Virtual Currency License
tick Yes
New York - Virtual Currency License
Pennsylvania - Money Transmitter License
tick Yes
Pennsylvania - Money Transmitter License
Rhode Island - Electronic Money Transfers
tick Yes
Rhode Island - Electronic Money Transfers
Rhode Island - Sales of Checks
tick Yes
Rhode Island - Sales of Checks
Vermont - Money Transmitter
tick Yes
Vermont - Money Transmitter
Virginia - Money Transmitter License
tick Yes
Virginia - Money Transmitter License
ISO 27001 Information Security Management
ISO 27001 Information Security Management
tick Yes
CryptoCurrency Security Standard (CCSS) Level 3
CryptoCurrency Security Standard (CCSS) Level 3
tick Yes
PCI DSS v3.2.1 Level 1
PCI DSS v3.2.1 Level 1
tick Yes
ISO/IEC 27701:2019 Certification for privacy risk management by SGS
ISO/IEC 27701:2019 Certification for privacy risk management by SGS
tick Yes
Adaptive (Tier 4) rating - National Institute of Standards and Technology (NIST) Privacy Framework
Adaptive (Tier 4) rating - National Institute of Standards and Technology (NIST) Privacy Framework
tick Yes
Adaptive (Tier 4) rating - National Institute of Standards and Technology (NIST) Cybersecurity Frame
Adaptive (Tier 4) rating - National Institute of Standards and Technology (NIST) Cybersecurity Frame
tick Yes
Malta Financial Services Authority - Class 3 Virtual Financial Assets (VFA) License
Malta Financial Services Authority - Class 3 Virtual Financial Assets (VFA) License
tick Yes
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