Before we dive into the detailed analysis, here's a summary of Crypto.com's key metrics at a glance.
Crypto.com Quick Overview
| Score | |
| Established in | 2016 |
| Headquarters | Singapore |
| Regulator | CASP MiCA, MFSA, MAS, VARA, FCA, CFTC |
| Cryptocurrencies | +400 |
| Maker/Taker | 0,40 % / 0,60 % |
| MiCA regulation | Yes, since 2025 |
| Minimum deposit | 20 € |
About Crypto.com: Origins and Target Audience
Crypto.com is a global digital asset platform founded in 2016 by Kris Marszalek, Rafael Melo, Gary Or, and Bobby Bao. It began as Monaco, adopted the name Crypto.com in 2018, and has developed one of the industry’s most comprehensive consumer ecosystems.
Pros
More than 400 cryptocurrencies and 150 million users worldwide
MiCA License and Numerous Regional Authorizations
App, Exchange, Visa card, Earn, and self-custodial wallet
1:1 Reserves, Proof of Reserves, and Security Certifications
Cons
The app and Exchange use different pricing models, which can be confusing
The actual cost of an instant purchase may include a variable spread
Products, rewards, and assets vary significantly by country
Trustpilot Receives Complaints About Support, Verifications, and Removals
The company is headquartered in Singapore and provides services through various companies within the Foris Group. This structure allows the app, custody, payments, trading, and derivatives to be adapted to the rules of each jurisdiction, but requires users to verify which entity they are signing up with during registration.
Crypto.com claims to have surpassed 150 million users in August 2026. Its growth is driven by both its product and its branding and sports partnerships, including the naming rights to the Crypto.com Arena in Los Angeles, partnerships with international competitions, and a network of Visa-linked cards.
Who is Crypto.com for? For users who want to buy, hold, earn rewards, and spend crypto all from a single app.
The distinction between the two platforms is essential. The Crypto.com App offers a streamlined mobile experience and displays a fixed price before confirmation. The Crypto.com Exchange operates as a maker/taker marketplace and allows you to control your order, price, and liquidity.
The ecosystem adds Crypto.com Onchain, a self-custody wallet compatible with multiple networks, decentralized applications, swaps, bridges, and DeFi products. With this wallet, users control their own keys; security and recovery are no longer equivalent to those of a custodial account.
What level of security does Crypto.com offer?
Crypto.com combines 1:1 reserves, institutional-grade storage, Proof of Reserves, multi-factor authentication, passkeys, whitelists, monitoring, insurance, and ISO, PCI DSS, and SOC 2 certifications. Its infrastructure is robust, although ultimate security also depends on the user’s configuration.
The public rating is displayed as follows:
Global Regulation and MiCA Authorization
In January 2025, Foris DAX MT Limited obtained a Class 2 Crypto-Asset Service Provider license under MiCA, granted by the Malta Financial Services Authority. This authorization can be used under the passport system within the European Union and the European Economic Area.
The European entity also holds an electronic money institution license, a MiFID license for investment services, and, as of February 2026, an MFSA Limited Financial Institution license for payment services related to electronic money tokens.
The official list also includes authorizations or approvals in jurisdictions such as Hong Kong, the Cayman Islands, and Mauritius. No license is universal: the contracting entity, the product, and the applicable protection depend on the jurisdiction and the service provided.
Custody and protection of funds
Crypto.com states that it holds customer deposits in institutional reserve accounts and backs them on a 1:1 basis. The company operationally segregates customer funds and uses cold storage and institutional custodians for a large portion of its reserves.
Fiat balances are held by banks and payment partners. Whether these balances are covered by guarantee schemes depends on the institution, currency, and structure; it should not be assumed that all balances in the app are covered in the same way as a regular bank account.
The platform provides protection against certain risks and offers an Account Protection Program that can cover up to 250,000 USD in unauthorized transactions for eligible users. Coverage is subject to certain conditions, verification, security settings, and a satisfactory investigation; it does not cover market losses or scams authorized by the user.
Reserve Test and transparency
Crypto.com offers a Proof of Reserves page that allows customers to verify the inclusion of certain balances using a Merkle tree. Independent verification provides transparency regarding reserves, but it does not replace comprehensive financial statements nor does it, on its own, disclose all corporate obligations.
The company publishes figures or ratios for covered assets and states that it maintains 1:1 reserves. Users should verify the date of the snapshot, its scope, the assets included, and the auditor or provider involved.
The platform weathered the fallout from FTX’s bankruptcy without suspending withdrawals across the board. Even so, any custodial exchange carries counterparty, operational, and regulatory risks; for long-term holdings, it may be prudent to diversify custody.
Account Security
Accounts can be protected with passkeys, two-factor authentication, anti-phishing codes, biometric locks, and address whitelisting. A new address may be subject to a 24-hour withdrawal hold.
Crypto.com holds SOC 2 Type II, PCI DSS 4.0, and ISO 27001, 27701, 22301, 27017, and 27018 certifications, in addition to assessments based on NIST frameworks. These certifications review controls and processes, but do not guarantee that an incident will never occur.
In January 2022, a cyberattack affected 483 accounts and resulted in unauthorized withdrawals. Crypto.com reimbursed users, temporarily suspended withdrawals, and strengthened its controls. This background information should be included because it demonstrates both historical exposure and the company’s ability to respond.
Pros
Licenses and Registrations in Multiple Jurisdictions
1:1 Reserves and Verifiable Proof of Reserves
SOC 2 Type II, PCI DSS 4.0, and multiple ISO standards
Passkeys, 2FA, anti-phishing code, and whitelist
Cons
Legal protection varies by institution and country
A PoR is not the same as a full liability audit
Incident Involving Unauthorized Withdrawals in 2022
Public complaints about account blocks and reviews
Global Availability of Crypto.com
Crypto.com operates in numerous markets across Europe, the Americas, Asia-Pacific, the Middle East, and Africa. The app offers broader coverage than certain Exchange products, such as cards, Earn, margin trading, and derivatives.
In the EU and the EEA, the MiCA license allows authorized services to be provided from Malta. Spain, France, Germany, Italy, the Netherlands, Portugal, Ireland, and other European markets can access the app, although some tokens, stablecoins, and returns are restricted under MiCA.
The platform restricts access for sanctioned or high-risk countries, including Afghanistan, Cuba, Iran, North Korea, Syria, and other territories listed on its lists. Some jurisdictions may allow the app but not the Exchange, margin, or derivatives features.
Therefore, it is not accurate to describe Crypto.com as available in a fixed number of countries. The correct way to describe it is that it operates globally through regional entities and maintains separate eligibility criteria for each product.
Crypto.com Fees
Fees depend on whether you use the app or the Exchange. In the app, an explicit trading fee may not be displayed, but the quoted price includes a spread that varies depending on the asset, amount, liquidity, and market. On the Exchange, there is a transparent maker/taker fee schedule.
Maker/taker fees: starting at 0.40 % for makers and 0.60 % for takers
The public reference fee on the Crypto.com Exchange starts at 0.40 % for makers and 0.60 % for takers. Higher tiers reduce the cost based on 30-day trading volume, and there may be discounts associated with CRO, VIP status, or regional promotions.
| Platform | Maker | Taker |
|---|---|---|
Bitget
|
0,10% | 0,10% |
Bybit Global
|
0,10% | 0,10% |
Finst
|
0,15% | 0,15% |
Bitvavo
|
0,15% | 0,25% |
BLOX
|
Not applicable | 0,25% |
Bitstamp
|
0,30% | 0,40% |
Kraken
|
0,25% | 0,45% |
Coinbase Advanced
|
0,40% | 0,60% |
Crypto.com
|
0,40% | 0,60% |
A limit order only pays maker fees if it provides liquidity and remains on the order book. If it is filled immediately, it may pay taker fees. Users should check the level displayed in their account before trading.
Did you know? A €1,000 trade on the Exchange would cost approximately €0.80 as a maker or €1.80 as a taker based on the initial rate shown. In the app, the cost cannot be calculated using just that table because it depends on the final price and the spread shown.
Global Fiat Deposits and Withdrawals
SEPA transfers in euros are free of charge through Crypto.com and its European partners. In the EEA app, the published minimum deposit is €20, while the Exchange may apply different minimums. A SEPA withdrawal from the Exchange incurs no platform fee, requires a minimum of €80, and typically takes about one business day.
USD deposits via SWIFT or Fedwire may be free as part of a promotion, although the bank and correspondent banks may charge fees. Starting in May 2026, USD withdrawals from the Exchange are subject to a fair use policy: the cumulative net amount exceeding one million dollars over a 30-day period may incur a fee.
Purchases made with a credit card or Apple Pay may be subject to a fee depending on the country, account age, and any promotions. Additionally, the card issuer may treat the transaction as a cash advance. It’s always a good idea to compare the amount of crypto received with a transfer and an order on an exchange.
Crypto deposits are free on the Exchange. Withdrawals are subject to a fee based on the asset and network, which is displayed before confirmation. Internal transfers between the App and the Exchange can be instant and free if you use the internal feature, rather than an on-chain transaction.
Earn Commission and Advanced Products
Crypto Earn offers flexible and fixed terms in supported markets, with rates that depend on the asset, tier, CRO, duration, and amount. The tiered structure may apply the full rate to the first 3,000 USD and reduced rates on the excess, with exceptions such as USDC.
The exchange offers margin trading, derivatives, and bots where authorized. Costs may include maker/taker fees, interest, funding, settlement, and slippage. In the United States, event contracts, options, and futures are subject to different regulated fee schedules.
| Concept | Cost on Crypto.com |
|---|---|
| Spot Exchange, Beginner Level | 0.08 % maker / 0.18 % taker |
| Buying or Selling on the App | Quote with variable spread; check final price |
| SEPA Deposit | Free through Crypto.com; the bank may charge a fee |
| SEPA Withdrawal from Exchange | No published fee; minimum of €80 |
| Pay with a card or Apple Pay | Varies by region, promotion, and issuer |
| Cryptocurrency Deposit | 0 € via Crypto.com; the originating network fee is paid |
| Crypto Withdrawal | Rate varies depending on the asset and network |
| Crypto Earn / Staking | Fees and commissions vary depending on the asset, tier, and product |
| Derivatives | Maker/taker, funding, interest, and settlement as specified in the contract |
Step-by-Step Guide to Opening an Account on Crypto.com
Opening an account requires registration, selecting a country, completing KYC, and accepting the regional entity's terms and conditions. The main process is carried out through the mobile app, although the exchange also allows for web-based registration.
Step 1: Initial registration
The user enters an email address or phone number, creates an account, and verifies the codes sent. The user's declared country of residence determines the financial institution, currencies, assets, card, and products available.
Before making a deposit, you should enable Passkey or 2FA, set up the anti-phishing code, and verify that the app and domain are official. Crypto.com is a brand that is frequently impersonated on social media and search engines.
The app and the exchange can be linked under the same identity, but they maintain separate balances and interfaces. A successful internal transfer prevents you from paying an unnecessary blockchain withdrawal fee.
Step 2: Identity Verification (KYC)
Crypto.com requires full KYC verification. The process typically includes:
- National ID card, passport, or valid official document.
- Selfie, video, or biometric verification.
- Residential address and tax residence.
- Information on the activity and its intended use.
It may request proof of address, tax ID number, occupation, assets, source of funds, or additional documentation. Enhanced reviews are more common for large amounts, unusual transactions, or discrepancies.
Automated verification can be completed quickly, but manual cases take longer. Trustpilot includes numerous complaints about rejected documents, restricted accounts, and support response times.
Step 3: Link a bank account
Methods vary by country:
- SEPA and SEPA Instant for euros.
- ACH, wire transfer, Fedwire, or SWIFT for U.S. dollars in supported markets.
- FPS for pounds and local payment methods in supported countries.
- Debit or credit card and Apple Pay, where available.
- Depositing cryptocurrency from an external wallet.
The bank account must be in the verified account holder's name. On the European exchange, an initial transfer from the bank account may be required to enable withdrawals to that account.
Did you know? Transferring €1,000 via SEPA and placing a taker order on the exchange would cost around €1.80 based on the initial fee listed.
Step 4: First deposit and first trade
After receiving funds, the app allows you to select an asset and check its price before confirming. For greater control, you can transfer your balance to the Exchange and place a limit or market order.
It is advisable to compare the preview, the rate, the reference price, and the final amount. For less liquid assets, splitting a large order can reduce market impact, although it increases the number of trades.
Summary of Requirements for Opening an Account on Crypto.com
- Be older than 18.
- Reside in an eligible jurisdiction.
- Have a valid identification document.
- Complete the selfie or biometric verification.
- Please provide your address and tax information.
- Use your own payment methods.
- Provide proof of the source of funds when requested.
Important note: Limits, methods, assets, and products vary by country. It's a good idea to test a small transfer and withdrawal before depositing a large amount.
Available cryptocurrencies: more than 400 assets
Crypto.com announces more than 400 cryptocurrencies, including Bitcoin, Ether, XRP, Solana, Cardano, Dogecoin, Cronos, Avalanche, Chainlink, Polkadot, Litecoin, SUI, Aave, Uniswap, and supported stablecoins.
The catalog ranks the platform among the most comprehensive global offerings, although not all assets are available simultaneously on the App, Exchange, Earn, card, or in every jurisdiction.
In the EEA, the implementation of MiCA has required adjustments to stablecoins and related services. In the United States, certain assets and trading pairs vary by state; South Korea and Hong Kong use local registries.
Crypto.com Learn, Exchange, and Institutional Services: Education and Tools
Crypto.com combines education, trading, payments, self-custody, and institutional infrastructure. The Learn and Research sections publish guides, analysis, and market updates.
| Product | Focus |
|---|---|
| Crypto.com App | Buy, Sell, Portfolio, Earn, Card, and Payments |
| Crypto.com Exchange | Spot, margin, derivatives, bots, API, and order book |
| Crypto.com On-Chain | Self-custodial wallets, DApps, swaps, bridges, and DeFi |
| Crypto.com Visa Card | Spending and Rewards by Level and Region |
| Crypto Earn / Staking | Flexible, fixed, or on-chain rewards |
| Custody and Institutions | Custody, Liquidity, OTC, API, and Professional Services |
Beyond buying and selling, Crypto.com offers:
- DCA, Grid, and TWAP Bots on the Exchange.
- Visa and Level Up cards with tiered benefits.
- Cronos PoS, EVM, and zkEVM as a blockchain ecosystem.
- REST API, WebSocket, and FIX for professionals.
- Pay for merchants and peer-to-peer payments.
- Stocks, ETFs, and prediction markets in the United States.
Crypto Earn: Earnings on Your Cryptocurrencies
Crypto Earn allows you to allocate certain assets to flexible or fixed terms. The reward depends on the currency, duration, total value, user level, and CRO allocation.
The most important thing about Crypto Earn:
- Rates vary by asset, term, level, and region.
- A tiered structure that may reduce returns on larger quantities.
- Fixed-term deposits limit liquidity or impose penalties for early withdrawal.
- Staking depends on the timeframes and risks associated with each protocol.
- Custodial Earn is not equivalent to DeFi on Crypto.com Onchain.
Regular Purchases (DCA): Automate Your Purchases
The app allows you to set up recurring purchases on a daily, weekly, biweekly, or monthly basis, depending on your region. The Exchange includes a DCA bot that executes a strategy based on defined parameters.
Every purchase made through the app uses the exchange rate in effect at that time. For significant amounts, it’s a good idea to compare the cost with a strategy using scheduled orders on the exchange.
Available order types
The Crypto.com Exchange offers various order types:
- Market order: Executes immediately and incurs a taker fee.
- Limit order: Sets a price and may pay the maker.
- Stop-loss and stop-limit: These trigger an order when a trigger price is reached.
- Take-profit: Automates an exit at a target profit level.
- OCO and advanced orders: combine conditions in compatible markets.
Grid, DCA, and TWAP bots automate trades. Margin and derivatives involve leverage, funding, and liquidation, so they are not suitable for all investors.
Crypto.com vs. Coinbase
The most natural comparison is between Crypto.com and Coinbase. Both operate globally, hold MiCA licenses, and offer user-friendly apps, advanced trading, staking, and institutional services.
| Characteristic | Crypto.com | Coinbase |
|---|---|---|
| Foundation | 2016 | 2012 |
| Global Center | Singapore | United States |
| Regulation | MiCA via Malta; MAS, VARA, FCA, CFTC, and regional licenses | MiCA via Luxembourg; SEC, CFTC, and regional licenses |
| Reference Spot Commission | 0.08 % maker / 0.18 % taker on the exchange | Approximately 0.40 % maker / 0.60 % taker on Advanced |
| Simple Model | App with variable exchange rates and spreads | Simple Buy with variable commission and spread |
| Cryptocurrencies | More than 400 | More than 250, depending on the region |
| Security | PoR, 1:1 backups, SOC 2, ISO, and PCI DSS | Publicly Traded Company, Cold Storage, and Public Financial Audit |
| Unique Product | Visa Card, CRO, Earn, Cronos, and Onchain | Fiat Integration, Base, USDC, and Institutional |
| Platform | App, Exchange, On-chain, API, OTC, and Derivatives | App, Advanced, Wallet, API, OTC, and Derivatives |
| Ideal for | Users who want a comprehensive ecosystem and a card | Users who prioritize simplicity, brand, and publicly traded transparency |
Crypto.com offers more assets, lower initial fees on its exchange, and a broader consumer ecosystem. The Visa card, CRO, and Cronos add features that Coinbase does not replicate in the same way.
Coinbase has a publicly traded corporate structure, financial reports, and a particularly well-established fiat experience in the United States. The choice depends on the country, trading pair, spread, and the actual value of the rewards.
Apps and Platform: How Do You Use Crypto.com in Your Daily Life?
Crypto.com offers an app for iOS and Android, a web and mobile exchange, the Onchain wallet, an API, OTC trading, and institutional services. The breadth of offerings is an advantage, but it requires an understanding of how funds move between products.
The main app is organized into sections such as:
- Home: Balance, Logins, and News.
- Accounts: fiat, crypto, Earn, and portfolio tracking.
- Trade: buying, selling, and conversion based on market prices.
- Card: Card Management, Level, and Rewards.
- Menu / Level Up: Products, Benefits, and Settings.
The Exchange offers markets, trading, derivatives, bots, portfolios, and rewards. The charts and order book are better suited for comparing execution than the instant buy screen.
Onchain separates self-custody from centralized balances. Users can connect to DApps and perform swaps, but they must understand gas fees, permissions, and the risks associated with smart contracts.
Final Verdict: Is Crypto.com Worth It in 2026?
Crypto.com is one of the most comprehensive platforms for users who want to combine buying and selling, a card, rewards, advanced trading, and self-custody. Its MiCA license, global regulatory network, 1:1 reserves, Proof of Reserves, and certifications form a compelling foundation.
The exchange stands out for its initial fees of 0.08 % for makers and 0.18 % for takers, which are more competitive than those of Coinbase Advanced or Bitstamp. Its catalog of more than 400 assets and its bots further enhance its utility for traders.
Its weaknesses include complexity, the app's variable spread, and the fact that certain benefits depend on the country, CRO, and tier. Public reviews also highlight issues with customer support and verification processes.
With all of this in mind, Crypto.com deserves consideration as an all-in-one global ecosystem. For a simple purchase, it’s best to compare the final price; for frequent trading, use the Exchange; and for self-custody, take direct responsibility for your keys and contracts.
This review is based on our actual experience using Crypto.com. We tested the platform by making deposits, purchases, sales, and withdrawals of cryptocurrencies, and we also evaluated its fees, security, and ease of use. The rating you see here reflects our hands-on experience, not just a first impression.
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