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Home Platforms Crypto.com
Crypto.com reviews
Review Score
78%
404,218 Reviews
Platform Age
6 Years
HQ Country
Hong Kong
Max BTC Savings Rate
0.25%
APR

Average rating of 78% based on 404,218 reviews.

Founded 6 years ago in 2016.

Headquartered in Hong Kong.

Bitcoin (BTC) savings rates up to 0.25% APR.

Go to Crypto.com earnings calculator

Average rating of 78% based on 404,218 reviews.

Founded 6 years ago in 2016.

Headquartered in Hong Kong.

Bitcoin (BTC) savings rates up to 0.25% APR.

Go to Crypto.com earnings calculator

Reviewed by Yunis
7 April 2021 (Updated 28 September 2022)

Crypto.com Review, Pros & Cons and Features

 

DeFinda Score™

An impartial, objective analysis of Crypto.com's features to help you compare platforms. Read our full analysis.
Savings Rates
5
Loan Rates
5.7
Established
2.8
Reviews
7.8
Risk Management
7
Withdrawals
9
Coverage
8.2
Support
7

Crypto.com is a cryptocurrency platform that offers savings accounts, loans, and some exchange services. Crypto.com offers savings rates as high as 64% APR on deposits, with no hidden fees and instant access to your funds. Instant loans can also be secured against your deposits at rates as low as 8% APR, with no credit checks required.

The platform was founded in 2016 by Kris Marszalek and Gary Or. The company is Hong Kong based and raised $200M in venture funds on March 4, 2021. The company has more than 2,600 employees and 10M+ customers from all around the world.

Crypto.com offers only mobile apps for its platform. There is no crypto.com web app. The platform has a large variety of products which can mean that navigation around their app takes a while to get used to. The apps can be used to deposit fiat and crypto currencies in to an online wallet, buy and sell crypto currencies including Bitcoin, move funds into an interest bearing savings accounts, or use the funds as collateral against a loan. One great feature of the phone apps is that users in the US can buy crypto securely using Apple Pay or Google Pay.

Crypto.com will ask for your full legal name, id, and a selfie when registering an account and it may take up to 24 hours to be verified. Only after verification, users will be able to start using the app.

Crypto.com offers a Metal Visa Card which has cash-back rewards up to 8% on purchases. The Metal Visa Card is not a credit card, it is a prepaid card that can be topped up with crypto funds. Requirements to be eligible for this card is quite high, users should hold at least $400 USD worth of crypto for at least 6 months.

Crypto.com also has wallet services. Users can store and connect their cryptos for DeFi products to earn yields. Users can connect their wallets to Crypto.com DeFi swap page and access and farm new tokens on the market.

Pros

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

Cons

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

DeFinda Score™

Savings Rates

5

Crypto.com has some of the best instant access saving rates for Enjin Coin (2%), however Crypto.com also has some of the worst instant access saving rates for Bitcoin (1.6%), Ethereum (3%), Tether (4.5%) and several other cryptocurrencies

Enhanced rates on Bitcoin of 2.2% - 4.4% APR are available in return for investment in Crypto.com's loyalty token, CRO.

Enhanced loyalty rates are available on a further 34 cryptocurrencies.

Loan Rates

5.7

Crypto.com has some of the best loan rates secured against EOS (8%), however Crypto.com also has less competitive loan rates secured against Bitcoin (8% vs 4.5% at Coinloan), Ethereum (8% vs 1% at AAVE), Cardano (8% vs 4.5% at Coinloan) and several other cryptocurrencies.

Note that loans are complex products with rates varying by collateral and LTV. For a full comparison visit our loans page.

Established

2.8

Crypto.com was founded in 2016 which makes it 6 years old. That's still quite young as the oldest crypto platforms are 11 years old.

Crypto.com has approximately 900 employees. That makes it one of the smaller crypto platforms by number of employees.

Reviews

7.8

Crypto.com has an average expert rating of 82% based on 16 expert reviews, and an average user rating of 78% based on 404,202 user reviews. Crypto.com has over 6,000 reviews on Trustpilot, with an average user rating of 40%. Expert reviews include Hedge With Crypto (90%), Jean Galea (88%), Crypto Vantage (80%) and Quick Penguin (82%).

Risk Management

7

All key activites on the Crypto.com are secured by multi-factor authentication including face ID and 2 factor authentication codes. In addition Crypto.com has passed multiple security audits including ISO 22301:2019, ISO/IEC 27701:2019, ISO/IEC 27001:2013 and PCIDSS v3.2.1 Level 1 compliance. The app has achieved the highest security rating for both NIST Cybersecurity and Privacy Frameworks. Finally Crypto.com contracts with third party security firms such as Kudelski Security to stress test their systems.

Crypto.com claims that 100% of user crypto deposits are held offline in cold storage wallets. These wallets are secured by cold storage custodian Ledger Vault. Crypto.com also hold $750M of insurance against loss of these assets.

All fiat deposits are held in Metropolitan Commercial Bank and are covered by FDIC insurance up to $250k USD.

Crypto.com is a substantial and complex business with activity in almost every aspect of Crypto. They have hugely ambitious plans and an experienced team behind them. How all of Crypto.com's various activities and subsidiaries connect together financially is not clear and the extent to which failure in one part of the business could have implications in other areas is also a concern. The method that Crypto.com uses to generate yield on their earn product is not clear, and so we can not be certain of the level of risk they are taking to generate customer returns. We can take some reassurance from Crypto.com's commitment to holding 100% of user deposits in cold storage.

We were not able to find any proof of reserves for Crypto.com. Proof of reserves are normally carried out by an external third party and provide assurance that the company has enough assets to pay out all customer liabilities (deposits) if required.

Withdrawals

9

Withdrawals on Crypto.com are completely automatic and run 24 hours per day. This means that withdrawals are generally very efficicent and in our tests withdrawals were completed in under an hour.

Withdrawals do attract fees, which are generally speaking around $10 USD.

Crypto.com allows you to whitelist external wallet addresses, meaning that funds can only be withdrawn to these addresses. There is also a feature to lock new whitelisted addresses for 24 hours, so that they do not become active until 24 hours after they were setup.

Coverage

8.2

Crypto.com supports 201 different cryptocurrencies and 3 fiat currencies. Key supported cryptocurrencies include Bitcoin, Ethereum, Tether, USD Coin, BNB and XRP. Crypto.com support for fiat currencies includes Pounds Sterling, US Dollars and Euros.

Support

7

Crypto.com offers 24 hour support by online chat, however they do not offer support by email or phone.

Crypto.com Reviews

Crypto.com has mixed reviews. People like the wide range of products and those who simply want to buy and HODL have generally speaking had a good experience. However users looking to use the app for active trading or who have ordered a visa card have encountered issues. When they have contacted customer support the response has sometimes been very slow.

Some users have raised concerns about high spreads on exchange rates. Whilst Crypto.com's official exchange fees are quite low, the exchange rate they quote you can be quite high meaning you are in effect paying a much higher total exchange fee. Other users have raised concerns generally about high fees.

Some users have experienced long delays in receiving their visa card and feel that the rewards offered with these cards may not have been worth the CRO tokens they had to stake to get the card. Card benefits have also been recently reduced.

Many users find the app difficult to navigate. There are just so many features on the app that it can be difficult to find what you are looking for.

Based on a total of 404,218 reviews across the web for Crypto.com we gave the platform an overall rating of 78%.

Crypto.com Rating
78%
Based on 404,218 reviews
Leave a Review for Crypto.com
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Crypto.com YouTube Reviews

Crypto.com Promo Codes & Vouchers

$50 Free CRO

When you deposit $1,000 or more in CRO
CodeClick to Reveal Code

$25 Free CRO

When you deposit $400 or more in CRO
CodeClick to Reveal Code

Earn $25 for Referrals

Earn $25 in CRO for every friend that your refer to Crypto.com
CodeClick to Reveal Code

Up to 8% Cashback On Card Purchases

When you take out a Crypto.com Obsidian card

Free Spotify Subscription

When you take out a Crypto.com Ruby Steel card

Free Netflix Subscription

When you take out a Crypto.com Royal Indigo card

Free Airport Lounge Access

When you take out a Crypto.com Royal Indigo card

Free Amazon Prime Membership

When you take out a Crypto.com Frosted Rose Gold card

10% Off Expedia Bookings

When you take out a Crypto.com Frosted Rose Gold card

10% Off Airbnb Bookings

When you take out a Crypto.com Obsidian card

Crypto.com Savings Accounts

Saving Account Highlights

Crypto.com offers excellent savings account on its platform that is easy to use and offers rates of up to 64% APR. Crypto.com has a wide selection of cryptos and stablecoins.

To access the savings account customers need to move their funds to Crypto Earn wallets. Once the funds are moved, funds start to accrue interest daily and you can withdraw your funds at any time. Interest is paid out weekly in the same currency as you deposited.

There are three holding term options, flexible (instant access), 3 months, and 6 months. Funds are deposited back to crypto wallets automatically at the end of the term. The interest rate changes depending on the length of the term, with longer terms attracting higher rates.

There is a minimum deposit requirement of $250 USD or equivalent crypto on Crypto Earn wallets.

Crypto.com hold the private keys to the cryptocurrency wallets on their platform. However a product unique to Crypto.com called DeFi Wallet allows customers to retain control of their private keys and still benefit from earning from their funds by using staking mediators like Compound, Aave or Crypto.com Chain Staking.

You can calculate your potential earnings on Crypto.com using our Crypto.com interest rate calculator.

 

Crypto.com Loyalty Levels
Loyalty Level Minimum USD Value of CRO Tokens Loan APR
Level 1 0 USD of Cronos logo CRO 12%
Level 2 400 USD of Cronos logo CRO 12%
Level 3 4,000 USD of Cronos logo CRO 12%
Level 4 40,000 USD of Cronos logo CRO 8%
Level 5 400,000 USD of Cronos logo CRO 8%
Crypto.com Savings Interest Rates
Loyalty Level
Level 1 Level 3 Level 4
Bitcoin
Deposits below 1.6 BTC
0.2%
APR
Deposits above 1.6 BTC
0.1%
APR
Deposits below 1.6 BTC
0.25%
APR
Deposits above 1.6 BTC
0.125%
APR
Deposits below 1.6 BTC
0.25%
APR
Deposits above 1.6 BTC
0.125%
APR
Polkadot
Deposits below 4,770 DOT
5%
APR
Deposits above 4,770 DOT
2.5%
APR
Deposits below 4,770 DOT
6%
APR
Deposits above 4,770 DOT
3%
APR
Deposits below 4,770 DOT
6%
APR
Deposits above 4,770 DOT
3%
APR
Harmony
Deposits below 1,570,000 ONE
1%
APR
Deposits above 1,570,000 ONE
0.5%
APR
Deposits below 1,570,000 ONE
2%
APR
Deposits above 1,570,000 ONE
1%
APR
Deposits below 1,570,000 ONE
2%
APR
Deposits above 1,570,000 ONE
1%
APR
Dai
Deposits below 30,000 DAI
0.4%
APR
Deposits above 30,000 DAI
0.2%
APR
Deposits below 30,000 DAI
0.55%
APR
Deposits above 30,000 DAI
0.275%
APR
Deposits below 30,000 DAI
0.55%
APR
Deposits above 30,000 DAI
0.275%
APR
Polygon
Deposits below 41,400 MATIC
0.35%
APR
Deposits above 41,400 MATIC
0.175%
APR
Deposits below 41,400 MATIC
0.65%
APR
Deposits above 41,400 MATIC
0.325%
APR
Deposits below 41,400 MATIC
0.65%
APR
Deposits above 41,400 MATIC
0.325%
APR
Avalanche
Deposits below 1,780 AVAX
1%
APR
Deposits above 1,780 AVAX
0.5%
APR
Deposits below 1,780 AVAX
2%
APR
Deposits above 1,780 AVAX
1%
APR
Deposits below 1,780 AVAX
2%
APR
Deposits above 1,780 AVAX
1%
APR
Uniswap
Deposits below 4,930 UNI
0.5%
APR
Deposits above 4,930 UNI
0.25%
APR
Deposits below 4,930 UNI
1%
APR
Deposits above 4,930 UNI
0.5%
APR
Deposits below 4,930 UNI
1%
APR
Deposits above 4,930 UNI
0.5%
APR
Celer Network
Deposits below 2,020,000 CELR
0.5%
APR
Deposits above 2,020,000 CELR
0.25%
APR
Deposits below 2,020,000 CELR
1%
APR
Deposits above 2,020,000 CELR
0.5%
APR
Deposits below 2,020,000 CELR
1%
APR
Deposits above 2,020,000 CELR
0.5%
APR
Ethereum
Deposits below 23.5 ETH
0.5%
APR
Deposits above 23.5 ETH
0.25%
APR
Deposits below 23.5 ETH
1%
APR
Deposits above 23.5 ETH
0.5%
APR
Deposits below 23.5 ETH
1%
APR
Deposits above 23.5 ETH
0.5%
APR
Chainlink
Deposits below 3,810 LINK
0.5%
APR
Deposits above 3,810 LINK
0.25%
APR
Deposits below 3,810 LINK
1%
APR
Deposits above 3,810 LINK
0.5%
APR
Deposits below 3,810 LINK
1%
APR
Deposits above 3,810 LINK
0.5%
APR
Cosmos
Deposits below 2,350 ATOM
1.5%
APR
Deposits above 2,350 ATOM
0.75%
APR
Deposits below 2,350 ATOM
2%
APR
Deposits above 2,350 ATOM
1%
APR
Deposits below 2,350 ATOM
2%
APR
Deposits above 2,350 ATOM
1%
APR
Litecoin
Deposits below 581 LTC
0.5%
APR
Deposits above 581 LTC
0.25%
APR
Deposits below 581 LTC
1%
APR
Deposits above 581 LTC
0.5%
APR
Deposits below 581 LTC
1%
APR
Deposits above 581 LTC
0.5%
APR
VVS Finance
Deposits below 5,380,000,000 VVS
0.5%
APR
Deposits above 5,380,000,000 VVS
0.25%
APR
Deposits below 5,380,000,000 VVS
1%
APR
Deposits above 5,380,000,000 VVS
0.5%
APR
Deposits below 5,380,000,000 VVS
1%
APR
Deposits above 5,380,000,000 VVS
0.5%
APR
NEAR Protocol
Deposits below 8,610 NEAR
0.25%
APR
Deposits above 8,610 NEAR
0.125%
APR
Deposits below 8,610 NEAR
0.55%
APR
Deposits above 8,610 NEAR
0.275%
APR
Deposits below 8,610 NEAR
0.55%
APR
Deposits above 8,610 NEAR
0.275%
APR
Stellar
Deposits below 277,000 XLM
0.5%
APR
Deposits above 277,000 XLM
0.25%
APR
Deposits below 277,000 XLM
1%
APR
Deposits above 277,000 XLM
0.5%
APR
Deposits below 277,000 XLM
1%
APR
Deposits above 277,000 XLM
0.5%
APR
Cronos
Deposits below 276,000 CRO
2%
APR
Deposits above 276,000 CRO
1%
APR
Deposits below 276,000 CRO
2%
APR
Deposits above 276,000 CRO
1%
APR
Deposits below 276,000 CRO
2%
APR
Deposits above 276,000 CRO
1%
APR
Algorand
Deposits below 88,500 ALGO
0.5%
APR
Deposits above 88,500 ALGO
0.25%
APR
Deposits below 88,500 ALGO
1%
APR
Deposits above 88,500 ALGO
0.5%
APR
Deposits below 88,500 ALGO
1%
APR
Deposits above 88,500 ALGO
0.5%
APR
Tether
Deposits below 30,000 USDT
0.4%
APR
Deposits above 30,000 USDT
0.2%
APR
Deposits below 30,000 USDT
0.55%
APR
Deposits above 30,000 USDT
0.275%
APR
Deposits below 30,000 USDT
0.55%
APR
Deposits above 30,000 USDT
0.275%
APR
Bitcoin Cash
Deposits below 270 BCH
0.5%
APR
Deposits above 270 BCH
0.25%
APR
Deposits below 270 BCH
1%
APR
Deposits above 270 BCH
0.5%
APR
Deposits below 270 BCH
1%
APR
Deposits above 270 BCH
0.5%
APR
Tectonic
Deposits below 10,000,000,000 TONIC
0.5%
APR
Deposits above 10,000,000,000 TONIC
0.25%
APR
Deposits below 10,000,000,000 TONIC
1%
APR
Deposits above 10,000,000,000 TONIC
0.5%
APR
Deposits below 10,000,000,000 TONIC
1%
APR
Deposits above 10,000,000,000 TONIC
0.5%
APR
Terra Classic
Deposits below 112,000,000 LUNC
1.5%
APR
Deposits above 112,000,000 LUNC
0.75%
APR
Deposits below 112,000,000 LUNC
2%
APR
Deposits above 112,000,000 LUNC
1%
APR
Deposits below 112,000,000 LUNC
2%
APR
Deposits above 112,000,000 LUNC
1%
APR
VeChain
Deposits below 1,360,000 VET
0.5%
APR
Deposits above 1,360,000 VET
0.25%
APR
Deposits below 1,360,000 VET
1%
APR
Deposits above 1,360,000 VET
0.5%
APR
Deposits below 1,360,000 VET
1%
APR
Deposits above 1,360,000 VET
0.5%
APR
USD Coin
Deposits below 30,000 USDC
0.4%
APR
Deposits above 30,000 USDC
0.2%
APR
Deposits below 30,000 USDC
0.55%
APR
Deposits above 30,000 USDC
0.275%
APR
Deposits below 30,000 USDC
0.55%
APR
Deposits above 30,000 USDC
0.275%
APR
Decentraland
Deposits below 44,000 MANA
0.5%
APR
Deposits above 44,000 MANA
0.25%
APR
Deposits below 44,000 MANA
1%
APR
Deposits above 44,000 MANA
0.5%
APR
Deposits below 44,000 MANA
1%
APR
Deposits above 44,000 MANA
0.5%
APR
Elrond
Deposits below 653 EGLD
1.5%
APR
Deposits above 653 EGLD
0.75%
APR
Deposits below 653 EGLD
2%
APR
Deposits above 653 EGLD
1%
APR
Deposits below 653 EGLD
2%
APR
Deposits above 653 EGLD
1%
APR
TrueUSD
Deposits below 30,000 TUSD
0.1%
APR
Deposits above 30,000 TUSD
0.05%
APR
Deposits below 30,000 TUSD
0.25%
APR
Deposits above 30,000 TUSD
0.125%
APR
Deposits below 30,000 TUSD
0.25%
APR
Deposits above 30,000 TUSD
0.125%
APR
Kyber Network Crystal Legacy
Deposits below 27,300 KNCL
0.5%
APR
Deposits above 27,300 KNCL
0.25%
APR
Deposits below 27,300 KNCL
1%
APR
Deposits above 27,300 KNCL
0.5%
APR
Deposits below 27,300 KNCL
1%
APR
Deposits above 27,300 KNCL
0.5%
APR
BNB
Deposits below 111 BNB
0.5%
APR
Deposits above 111 BNB
0.25%
APR
Deposits below 111 BNB
1%
APR
Deposits above 111 BNB
0.5%
APR
Deposits below 111 BNB
1%
APR
Deposits above 111 BNB
0.5%
APR
Pax Dollar
Deposits below 30,000 USDP
0.1%
APR
Deposits above 30,000 USDP
0.05%
APR
Deposits below 30,000 USDP
0.25%
APR
Deposits above 30,000 USDP
0.125%
APR
Deposits below 30,000 USDP
0.25%
APR
Deposits above 30,000 USDP
0.125%
APR
TrueGBP
Deposits below 18,500 TGBP
0.1%
APR
Deposits above 18,500 TGBP
0.05%
APR
Deposits below 18,500 TGBP
0.25%
APR
Deposits above 18,500 TGBP
0.125%
APR
Deposits below 18,500 TGBP
0.25%
APR
Deposits above 18,500 TGBP
0.125%
APR
Fantom
Deposits below 136,000 FTM
0.35%
APR
Deposits above 136,000 FTM
0.175%
APR
Deposits below 136,000 FTM
0.5%
APR
Deposits above 136,000 FTM
0.25%
APR
Deposits below 136,000 FTM
0.5%
APR
Deposits above 136,000 FTM
0.25%
APR
PAX Gold
Deposits below 18.6 PAXG
0.5%
APR
Deposits above 18.6 PAXG
0.25%
APR
Deposits below 18.6 PAXG
1%
APR
Deposits above 18.6 PAXG
0.5%
APR
Deposits below 18.6 PAXG
1%
APR
Deposits above 18.6 PAXG
0.5%
APR
Enjin Coin
Deposits below 67,000 ENJ
0.5%
APR
Deposits above 67,000 ENJ
0.25%
APR
Deposits below 67,000 ENJ
1%
APR
Deposits above 67,000 ENJ
0.5%
APR
Deposits below 67,000 ENJ
1%
APR
Deposits above 67,000 ENJ
0.5%
APR
Basic Attention Token
Deposits below 103,000 BAT
0.5%
APR
Deposits above 103,000 BAT
0.25%
APR
Deposits below 103,000 BAT
1%
APR
Deposits above 103,000 BAT
0.5%
APR
Deposits below 103,000 BAT
1%
APR
Deposits above 103,000 BAT
0.5%
APR
Cardano
Deposits below 70,100 ADA
0.5%
APR
Deposits above 70,100 ADA
0.25%
APR
Deposits below 70,100 ADA
1%
APR
Deposits above 70,100 ADA
0.5%
APR
Deposits below 70,100 ADA
1%
APR
Deposits above 70,100 ADA
0.5%
APR
Zilliqa
Deposits below 979,000 ZIL
0.25%
APR
Deposits above 979,000 ZIL
0.125%
APR
Deposits below 979,000 ZIL
0.55%
APR
Deposits above 979,000 ZIL
0.275%
APR
Deposits below 979,000 ZIL
0.55%
APR
Deposits above 979,000 ZIL
0.275%
APR
Solana
Deposits below 932 SOL
1%
APR
Deposits above 932 SOL
0.5%
APR
Deposits below 932 SOL
1.5%
APR
Deposits above 932 SOL
0.75%
APR
Deposits below 932 SOL
1.5%
APR
Deposits above 932 SOL
0.75%
APR
TrueCAD
Deposits below 41,300 TCAD
0.1%
APR
Deposits above 41,300 TCAD
0.05%
APR
Deposits below 41,300 TCAD
0.25%
APR
Deposits above 41,300 TCAD
0.125%
APR
Deposits below 41,300 TCAD
0.25%
APR
Deposits above 41,300 TCAD
0.125%
APR
TrueAUD
Deposits below 46,700 TAUD
0.1%
APR
Deposits above 46,700 TAUD
0.05%
APR
Deposits below 46,700 TAUD
0.25%
APR
Deposits above 46,700 TAUD
0.125%
APR
Deposits below 46,700 TAUD
0.25%
APR
Deposits above 46,700 TAUD
0.125%
APR

Crypto.com Loans

Loan Account Highlights

Crypto.com offers instant loans from $100 USD to $1,000,000 USD with rates varying from 8% APR to 12% APR. Loans are provided for a standard 12 months term. You can pay back the loan anytime during the 12 months period.

Crypto.com accepts many different major crypto currencies as collateral. There are no credit checks required and your personal credit rating will not be affected by applying for the loan.

Loans have no fixed payment, monthly late fees, or deadlines. Loans can be paid any time in the 12 months from the beginning of the loan.

Users can apply for a loan on the Credit tab on the Crypto.com app. A few simple steps will enable users to access funds. Just specify the crypto that you are putting forward as collateral to secure the loan and then choose the stablecoin that you would like to receive your loan in. The loan will then be processed automatically and instantly.

Loans have no origination fees and no early repayment fees. You simply need to make the interest payments on the loan, which must be made in the same currency as the loan was granted in.

Loans are available at a range of different loan to value (LTV) rates up to a maximum of 85%. The lower the LTV ratio the lower the loan interest rate is.

You can also get better rates if you stake CRO coins. CRO coins are intermediate currency, issued by the Crypto.com company. The more CRO coins you stake, the better rates you get. You can also make payments in CRO coin.

Crypto.com requires its users to complete Advanced level verification before they are eligible for a loan application. Unfortunately, Crypto.com loans are not available in many countries, including the United States, United Kingdom, Switzerland, Italy, and China.

 

Crypto.com provides a handy loan calculator to work out how much you can borrow. Alternatively, you can use our loan calculator below.

5 matching loan accounts found
Loyalty Level Setup Fee LTV Rate
Level 1
None
None
UP TO
50%
12%
APR
Level 2
Minimum of $400 USD ($400 USD) of CRO tokens on deposit
None
None
UP TO
50%
12%
APR
Level 3
Minimum of $4,000 USD ($4,000 USD) of CRO tokens on deposit
None
None
UP TO
50%
12%
APR
Level 4
Minimum of $40,000 USD ($40,000 USD) of CRO tokens on deposit
None
None
UP TO
50%
8%
APR
Level 5
Minimum of $400,000 USD ($400,000 USD) of CRO tokens on deposit
None
None
UP TO
50%
8%
APR

Crypto.com Security

Crypto.com has one of the biggest insurance policies among crypto finance companies. Crypto.com has a $100M USD direct insurance policy led by Arch Underwriting at Lloyd's Syndicate 2012. This insurance policy covers the company's cold storage assets. Direct and indirect coverage insurance held by Crypto.com totals $750M USD.

Crypto.com Fees & Limits

One of the great features of Crypto.com is the complete absence of hidden fees. It is completely free to deposit and withdraw both fiat currency and cryptocurrencies from the platform.

Crypto.com doesn’t charge any set up, origination or closing fees on loans. Loans are free. You can borrow and repay anytime with no extra costs. You pay only the interest accrues daily.

You can withdraw fiat currency with TUSD and PAX with a minimum limit of $1000 USD. Once you register on Trust Token website and submit required documents, your PAX and TUSD funds will be sent instantly to your bank account. Without any fees and limits.

Fees
Exchange maker fee 0.4%
Exchange taker fee 0.4%
Fiat deposit fee tick Free
Crypto deposit fee tick Free
Crypto withdrawal fee Withdrawl fees vary by crypto currency type
Limits
Number of free crypto withdrawals per month Unlimited

Crypto.com Debit Cards

Midnight Blue logo
Midnight Blue logo
VISA logo Debit Plastic Contactless Payment
VISA logo Debit Plastic Contactless Payment
1% Cashback Paid in Cronos logo CRO
  • Free ATM withdrawals of $200 USD per month
  • No annual fee, monthly fee or delivery fee
1%
Cashback
Paid in Cronos logo CRO
Apply
Ruby Steel logo
Ruby Steel logo
VISA logo Debit Metal Contactless Payment
VISA logo Debit Metal Contactless Payment
2% Cashback Paid in Cronos logo CRO
  • Free ATM withdrawals of $400 USD per month
  • Spotify
  • No annual fee, monthly fee or delivery fee
2%
Cashback
Paid in Cronos logo CRO
Apply
Royal Indigo logo
Royal Indigo logo
VISA logo Debit Metal Contactless Payment
VISA logo Debit Metal Contactless Payment
3% Cashback Paid in Cronos logo CRO
3%
Cashback
Paid in Cronos logo CRO
Apply
Jade Green logo
Jade Green logo
VISA logo Debit Metal Contactless Payment
VISA logo Debit Metal Contactless Payment
3% Cashback Paid in Cronos logo CRO
3%
Cashback
Paid in Cronos logo CRO
Apply
Frosted Rose Gold logo
Frosted Rose Gold logo
VISA logo Debit Metal Contactless Payment
VISA logo Debit Metal Contactless Payment
5% Cashback Paid in Cronos logo CRO
5 more benefits ...
5%
Cashback
Paid in Cronos logo CRO
Apply
Icy White logo
Icy White logo
VISA logo Debit Metal Contactless Payment
VISA logo Debit Metal Contactless Payment
5% Cashback Paid in Cronos logo CRO
5 more benefits ...
5%
Cashback
Paid in Cronos logo CRO
Apply
Obsidian logo
Obsidian logo
VISA logo Debit Metal Contactless Payment
VISA logo Debit Metal Contactless Payment
8% Cashback Paid in Cronos logo CRO
7 more benefits ...
8%
Cashback
Paid in Cronos logo CRO
Apply

Crypto.com Countries

Crypto.com's supports the following languages: English, French, Korean, Japanese, Dutch, Turkish, Polish, Brazilian-Portuguese, Vietnamese, Portuguese-Portuguese, Romanian, Spanish, Simplified Chinese, Russian, German, Italian, Indonesian and Canadian French.

Crypto.com's services are available in the following countries:

Andorra
Argentina
Australia
Austria
Belgium
Brazil
Bulgaria
Canada
Cayman Islands
Chile
China
Croatia
Cyprus
Czech Republic
Denmark
Ecuador
Egypt
Estonia
Finland
France
Germany
Gibraltar
Greece
Guernsey
Hong Kong
Hungary
Iceland
India
Indonesia
Ireland
Italy
Japan
Jordan
Latvia
Lithuania
Luxembourg
Macao
Malaysia
Malta
Mexico
Monaco
Montenegro
Morocco
Netherlands
New Zealand
Norway
Oman
Panama
Paraguay
Peru
Philippines
Poland
Portugal
Puerto Rico
Romania
Russia
Saint Kitts and Nevis
Saint Lucia
Saint Vincent and Grenadines
Seychelles
Singapore
Slovakia
Slovenia
South Africa
Spain
Sri Lanka
Sweden
Switzerland
Taiwan
Thailand
Trinidad and Tobago
Turkey
United Kingdom
United States
Uruguay
US Minor Outlying Islands
Vietnam
Virgin Islands, British
Virgin Islands, US

Crypto.com Key Data

Company
Legal name MCO Malta DAX Limited / Foris MT Limited / Foris DAX Global Limited
Year founded 2,016
Country incorporated in Hong Kong
Headquarters country Hong Kong
Decentralised tick Yes
Number of employees 900+
Number of users 10,000,000
Withdrawal time in hours 1hours
Products
Savings accounts tick Yes
Loans tick Yes
Crypto to crypto exchange tick Yes
Fiat to crypto exchange tick Yes
Pro exchange marketplace tick Yes
Peer to peer exchange cross No
Corporate accounts tick Yes
Instantly buy crypto with fiat cross No
Integrated crypto wallet tick Yes
Crypto withdrawals to private wallet tick Yes
Fast account verification cross No
Security
Insurance level $360,000,000USD
Cold storage tick Yes
Cold storage custodian Ledger Vault
Crypto security standard Level 3
Two factor authentication tick Yes
Know your customer tick Yes
Credit check cross No
Regulators Financial Institution License and a Class 3 Virtual Financial Assets issued by the Maltese Financial Services Authority
Support
24/7 support tick Yes
Email support cross No
Phone support cross No
Chat support tick Yes
Fees
Maker fee 0.4%
Taker fee 0.4%
Fiat deposit fee Free
Crypto deposit fee Free
Withdrawal process Withdrawals are fully automatic and are normally completed within an hour or so of the request being submitted.
Withdrawal time 1 hours
Crypto withdrawal fee Withdrawl fees vary by crypto currency type
Investment Strategy
Independent proof of reserves cross No
Key People
Kris Marszalek
CEO
Rafael Melo
CFO
Bobby Bao
Head of Corporate Development
Gary Or
Co-Founder
Eric Anziani
COO
Jason Lau
CISO
Matthew Chan
CTO
Antonio Alvarez
CCO
Brent Diehl
EVP, Global Head of Business Solutions
Steven Kalifowitz
CMO
Mariana Gospodinova
General Manager Europe
Weiyi Zhang
EVP, Head of Trading
Jonah Lau
SVP, Product
Cerulean Hu
SVP, Blockchain Engineering
Chloe Yung
SVP, Head of Legal
Ivan Stefanov
SVP, Risk & Operations
Filomena Ruffa
General Manager, Latin America
Nobuyuki Nagahama
General Manager, Japan
Teana Baker-Taylor
General Manager, UK
Licenses & Certifications
ISO 27001 Information Security Management
CryptoCurrency Security Standard (CCSS) Level 3
ISO/IEC 27701:2019 Certification for privacy risk management by SGS
Adaptive (Tier 4) rating - National Institute of Standards and Technology (NIST) Privacy Framework
Adaptive (Tier 4) rating - National Institute of Standards and Technology (NIST) Cybersecurity Frame
Malta Financial Services Authority - Class 3 Virtual Financial Assets (VFA) License

Useful Links

Crypto.com Contact Details

https://crypto.com/
contact@crypto.com
MCO Malta DAX Limited - Level 7, Spinola Park, Triq Mikiel Ang Borg St. Julians, SPK 1000, Malta
Foris MT Limited - Level 7, Spinola Park, Triq Mikiel Ang Borg St. Julians, SPK 1000, Malta
Foris DAX Global Limited - 70 Sir John Rogersons Quay, Dublin 2, Dublin, Ireland

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