Founded in 2016 and operated by Foris DAX Asia Pte. Ltd. (Singapore), Crypto.com is a centralized, custodial platform spanning a beginner‑friendly app, a professional exchange, and a non‑custodial Onchain wallet. The company reports 100 million users globally as of 2024. Recent focus areas include regulatory approvals, a public proof‑of‑reserves program, and selective expansion (for example, Dubai and Ireland). The Exchange targets advanced trading; the App bundles fiat on‑ramps, Earn, and the Visa card.
Crypto.com’s feature set spans the App (fiat wallets, card, Earn, Onchain wallet) and the Exchange (spot, margin up to 10x, and perpetuals up to 20x). Availability varies by region; see KYC & geographic access for specifics.
Markets offered. Spot trading is available on the Exchange and in the App. Margin trading is supported on selected pairs (up to 10×), subject to regional restrictions. Derivatives on the Exchange include perpetuals and dated futures with product‑level maximum leverage up to 20×. In the App, regulated options (UpDown and Strike) provide simplified yes/no structures in supported regions. Feature availability differs by jurisdiction (for example, U.S. retail cannot access the Exchange, and derivatives are restricted across the EU/UK/AU/CA).
Interface modes. The App focuses on quick buy/sell, fiat wallets, and card management. The Exchange offers TradingView charts, live order books, and standard order types (market, limit) plus advanced tools like stop‑loss, take‑profit, and OCO. Post‑only is available via API, and attached TP/SL can accompany limit orders. There are web and mobile Exchange experiences; the App and Exchange use separate wallets, with free internal transfers.
Pairs and assets. The Exchange lists hundreds of coins and ~600+ trading pairs across major base/quote assets. Quote currencies commonly include USDT, USD, USDC, and BTC. Fiat and stablecoin‑quoted markets are available. The App supports a broader buy/sell roster for retail users; detailed coin coverage appears in Supported assets.
Crypto.com’s simple‑buy lets you purchase a fixed amount (e.g., $100 of BTC) in the App using a card, ACH/SEPA, or cash balance. The flow is fund → pick asset → enter amount → review all‑in price → confirm. Pricing uses a spreaded quote plus any admin/processor fee shown at confirmation. In checks, BTC/ETH simple‑buy prices are ~1-3% above mid‑market under normal conditions (as of Nov. 2025). Most majors are simple‑buy eligible; some long‑tail assets are Exchange‑only. Costs are higher than placing limit orders on the Exchange; see Fees and pricing for details.
Availability and regions. The Exchange offers USD‑settled perpetuals (no expiry) and quarterly futures (BTC, ETH and select alts) with maximum leverage up to 20×. Retail access varies by region: the Exchange’s perps/futures are not available to U.S. retail and are restricted across the EU/UK/CA/AU. In the U.S. App, regulated UpDown/Strike Options are available under a separate entity.
Margining and risk. Derivatives use Smart Cross Margin (maintenance margin set at ~50% of initial). Funding publishes and settles hourly on perps; session marks apply for P&L. Liquidations can occur if margin falls below maintenance; if the insurance fund is insufficient, Auto‑Deleveraging (ADL) may apply.
Asset coverage. We noticed 438 listed coins and 625 spot pairs on the Exchange, with BTC/USD among the most active. Quote assets include USDT, USD, USDC, and BTC across majors and mid‑caps.
Stablecoins and networks. The App and Exchange support multi‑network deposits and withdrawals for key stablecoins. USDT and USDC are available on Ethereum (ERC‑20); alternative networks such as Cronos and Polygon are supported where available. Always match the network on deposit and withdrawal.
Listing cadence and policy. Listings and delistings are posted on the Exchange Announcements hub; no fixed cadence is disclosed. Time‑stamp listings and check the announcement page for the latest changes. For the supported coins list, check the exchange’s coin listing page. Listings and delistings are posted on the Exchange Announcements hub; no fixed cadence is disclosed. Time‑stamp listings and check the announcement page for the latest changes.
Native token impact. CRO is the platform’s native token. Holding or staking CRO on the Exchange can reduce trading fees, unlock 0% maker at higher tiers, and grant access to select programs. CRO is also used for card rewards and boosts in Earn. Mechanics are tiered and subject to jurisdiction.
Products and yields. Crypto.com offers Crypto Earn (custodial interest with Flexible, 1‑month, and 3‑month terms) and on‑chain staking via the non‑custodial flow. Yields are variable by region and asset. As of Nov. 2025, typical ranges show ~1-2% p.a. on BTC/ETH and ~5-6% p.a. on selected stablecoins (rates shown in‑app).
Payout and exit. Earn rewards accrue daily and pay weekly in the same asset. Fixed‑term allocations lock until maturity; flexible terms can be withdrawn anytime. On‑chain staking includes activation and unbonding/cooldown periods; rewards stop at unstake and funds become withdrawable after the protocol’s unbonding window.
Program and availability. The Crypto.com Visa Prepaid Card is issued by regional partners and is available in the U.S., UK, EEA, Canada, Australia, Singapore, and select other markets. Full KYC is required. A virtual card is available after approval; a physical metal card can be added to Apple Pay/Google Pay.
Rewards, costs, and funding. Purchases earn CRO cashback at tiered rates with caps on lower tiers. You top up a fiat balance (by selling crypto or moving cash), then spend in local currency; FX and ATM fees depend on region and tier. The app supports freeze/unfreeze, PIN management, mobile‑wallet adds, and spend alerts.
Crypto.com Exchange provides REST and WebSocket APIs for market data, trading (spot/margin/derivatives), and account functions. API keys support scoped permissions and IP allowlisting; withdrawals can be enabled per key. Headline rate limits apply; a sandbox/UAT environment exists for testing. Developer documentation is available for REST/WS; institutions can request FIX access.
Tax tools. CSV exports for crypto, fiat wallet, and card; Crypto.com Tax can generate reports in common formats (availability varies).
Prime/OTC. RFQ/OTC access and custody for institutions/VIPs with full KYB.
Web3/NFT. Onchain/DeFi wallet with WalletConnect; curated NFT marketplace.
