Crypto.com is a leading cryptocurrency platform established in 2016, serving over 10 million active users across 90+ countries. It offers a comprehensive ecosystem featuring:
- Crypto lending and staking
- Trading (spot, margin, derivatives)
- Payments via Visa cards and mobile apps
- DeFi wallets and swaps
- Native CRO token and the Crypto.org Chain blockchain
Table of Contents
CRO Token
The native CRO token (ranked #21 on CoinMarketCap) powers the Crypto.com ecosystem with:
- Discounts on trading fees (up to 50% with staking).
- Higher yields in Crypto Earn (up to 6.5% APY).
- Exclusive perks like priority token allocations and Visa card rewards.
👉 Learn how to stake CRO for maximum benefits
Crypto.com Products
1. Crypto Earn
Earn passive income by staking 100+ cryptocurrencies. Rates vary by stake size and lock-up period:
| Duration | Coins (APY) | Stablecoins (APY) | CRO (APY) |
|----------------|-------------|--------------------|-----------|
| 3 months | 4.5–6.5% | 10–12% | 6% |
| Flexible | 1.5–2% | 6–8% | 2% |
Supported coins: Bitcoin, Ethereum, Litecoin, XRP, and more.
2. Crypto Credit
Borrow against crypto collateral with:
- Loan-to-value (LTV): Up to 50%.
- Interest rates: 8% (with CRO staking) or 12% (without).
3. Crypto.com Pay
A payment app supporting:
- Mobile top-ups and gift cards.
- 0% fees for crypto transfers.
- Merchant integrations (WooCommerce, OpenCart).
4. Visa Card
A metal prepaid card with:
- Cashback up to 8% in CRO.
- Tiers: Requires CRO staking (e.g., 5,000 CRO for basic tier).
- Rebates for Netflix, Spotify, and Airbnb.
👉 Compare Visa card tiers and benefits
Security and Fees
- Insurance: $360M coverage (cold storage + Arch Underwriting).
- Compliance: ISO 27001, PCI DSS Level 1 certified.
- Trading fees: As low as 0.04% with CRO staking.
FAQs
Is Crypto.com safe?
Yes. It uses cold storage, 2FA, and biometric verification. Funds are insured up to $360M.
What is the Crypto.org Chain?
An open-source blockchain for fast, low-cost transactions. Supports DeFi and NFTs.
How do I earn with Crypto Earn?
Stake coins like BTC or ETH for flexible (1.5% APY) or fixed terms (up to 6.5% APY).
Does Crypto.com have a Visa card?
Yes. Five tiers available, requiring CRO staking (e.g., 50,000 CRO for premium benefits).
What is CRO used for?
- Fee discounts.
- Higher staking rewards.
- Access to exclusive products.
Final Verdict: Crypto.com is a robust platform for earning, spending, and trading crypto, backed by strong security and competitive rewards.