Crypto.com Review (2026): Exchange, App, Cards and Key Risks

Reviewed 13 August 2026: Crypto.com remains active, but the App, Exchange, Onchain wallet, cards and institutional custody are separate products with different terms. The rates, reward percentages and asset counts in the original review below are a historical snapshot.

Crypto.com Exchange in 2026: what changed?

The current Crypto.com Exchange advertises more than 400 spot pairs and, for institutional users, more than 700 instruments across spot, margin, perpetuals and futures. Its 2026 GEN 3.0 upgrade moved Exchange users toward a single wallet for spot, margin and derivatives. Product access, leverage and fiat rails remain jurisdiction-dependent, and identity verification is part of onboarding.

Crypto.com has also expanded its regulated footprint. Its Malta entity received a full MiCA crypto-asset service provider authorisation in 2025 and an additional Limited Financial Institutions licence for eligible stablecoin payment services in February 2026. In the United States, the OCC granted conditional, not final, approval for a national trust bank charter in February 2026. That proposed trust bank concerns custody, staking and settlement; it is not the same thing as deposit insurance for a retail exchange balance.

Treat old cashback, staking yield, card-lockup, referral and fee figures as expired unless they still appear in the current terms for your region. Also distinguish the custodial Crypto.com App and Exchange from the self-custody Crypto.com Onchain wallet, where the user controls the recovery phrase.

Original Crypto.com review (historical archive)

Crypto.com is an international cryptocurrency hub offering a wide range of services, from buying and selling crypto to earning interest and making payments, all with the security of a non-custodial wallet. We’ll talk about both advantage that you’ll get when you choose Crypto.com exchange together with its notable disadvantages, too.

What is Crypto.com?

Crypto.com is an international cryptocurrency hub that offers a range of services, including the Crypto.com App, Exchange, DeFi swap and Wallet, Pay, Earn, and Credit. With the Crypto.com App, users can buy over 100 top cryptocurrencies at true cost, earn high interest on their crypto, manage their Crypto.com Visa Card, and easily make crypto payments.

The Crypto.com DeFi Wallet is non-custodial, giving users full control of their private keys. Furthermore, Crypto.com works with regulatory institutions all over the globe to provide a convenient way to buy, sell, trade and spend cryptocurrencies.

Monaco Technologies GmbH, founded by CEO Kris Marszalek in June 2016, launched Crypto.com with the slogan “Spend anywhere, without fees.” In the first half of 2017, Monaco launched its own token, MCO, and raised approximately USD 26,7 million worth of crypto through an ICO. Moreover, the ICO ran from May 18 to June 18, and 12,135,542 MCO tokens were sold out of the total supply of 31,587,682. Crypto.com is a revolutionary platform that allows users to spend anywhere without fees. The MCO token is a secure and reliable way to store and transfer value.

Key Features of Crypto.com

Here are the important key features to take note of:

Spend cryptocurrency. Crypto.com Visa Card allows you to spend cryptocurrency and get up to 8% cashback rewards on your purchases.

Crypto.com App. The Crypto.com App allows users to purchase over 100 cryptocurrencies at true cost and manage the Crypto.com Visa Card, which enables them to pay for everyday purchases with crypto.

Crypto Earn. Earn up to 8% (14% for stablecoins) on your crypto deposits with Crypto Earn. Get paid weekly in the same crypto you deposited.
Crypto Credit. Secure up to 50% Loan-to-Value (LTV) with Crypto Credit – the safe and secure way to get a crypto loan.
Crypto.com Exchange. Crypto.com Exchange offers deep liquidity, best execution prices, and the lowest maker and taker fees in the industry.
Crypto.com NFT. Crypto.com NFT offers exclusive collections of Non-Fungible Tokens (NFTs) from A-list artists, musicians, athletes, and brands. Users can easily purchase NFTs with their credit/debit card and sell collectibles in the Marketplace, where bidding starts at just USD 0.
The Syndicate. Crypto.com Exchange traders can take advantage of The Syndicate and purchase top cryptos such as Bitcoin (BTC), Polkadot (DOT), and Zilliqa (ZIL) at discounts of up to 50%.
Supercharger. Crypto.com App and Exchange users can deposit CRO into the Supercharger pool to earn popular DeFi tokens as rewards. The daily reward allocation is based on the liquidity provided by the user during the Charging Period.
DeFi Swap. DeFi Swap is a fork of Uniswap V2 that enables users to swap and farm DeFi coins at the most competitive rate. Additionally, users can securely store their crypto in the Crypto.com DeFi Wallet with a simple connection.
DeFi Earn. DeFi Earn allows users to maximize their returns by depositing their tokens into the highest APY protocol available. Currently, DeFi Earn is integrated with Aave Lending V2, Yearn Earn V2, Compound, Cosmos Staking, and native CRO Staking, providing users with the best possible returns.
Crypto.com Price. Crypto.com’s price page offers an easy way to stay up-to-date on the latest token prices, market movements, market capitalization rankings, and token information.

Depending on your location, some features of Crypto.com may not be available to you. For example, lending services are not available to residents of Hong Kong, Singapore, Switzerland, Malta, and the United States.

Key Advantages of Crypto.com

A Beginner-Friendly Crypto Exchange

Crypto.com has seemingly managed to make most of the processes on their platform as simple and straightforward as possible, as evidenced by the numerous positive user reviews found online. The platform has optimized its site to be as user-friendly as possible, making it a great choice for those looking for an easy-to-use crypto-related platform.

Buying Bitcoin on Crypto.com is a simple and quick process, both on the website and the app. This is an important factor, as many people may not realize how complicated and unintuitive some exchanges can be until they try them out for themselves.

Nowadays, with the cryptocurrency market experiencing an unprecedented bull run, more newcomers than ever before are entering the industry. Unfortunately, many of these individuals have no idea how to use crypto exchanges or purchase the coins they desire.

Crypto.com is the perfect choice for those just starting out in the crypto world, as it offers a simple-to-use, straightforward exchange platform for trading crypto assets such as IOTA, with optimal trading pairs and low maker/taker fees.

Secure Platform and Reliable

Security is an absolutely crucial factor to consider when looking for the best crypto exchange on the market. Without essential security features, there is a risk of hackers and thieves exploiting the platform and stealing all of the assets located on it. Unfortunately, there have been several instances of this happening in the past, even to some of the most well-known exchanges.

If you’re wondering if Crypto.com is a safe exchange, rest assured that it is one of the most secure exchanges currently available. With its robust security measures, you can be sure that your funds are safe and secure.

Crypto.com exchange utilizes two-factor authentication (2FA) as a mandatory security measure. This is one of the oldest and most effective security measures available, and it is still used by many exchanges today. By using 2FA, Crypto.com exchange ensures that its users’ accounts are kept safe and secure.

Furthermore, here are other security aspects you can expect on Crypto.com:

Password
Biometric Identification
Email Verification
Phone Verification
Authenticator

Crypto.com is offering users 100% cold wallet storage for their funds. This is a unique feature, as many other exchanges only offer cold wallet storage for a portion of their users’ crypto assets. Crypto.com reviews and the company’s statements regarding their security measures are in agreement, making it a safe and secure exchange.

24/7 Customer Support

At Crypto.com, customer support is a top priority, as evidenced by the many positive customer reviews. With their team of knowledgeable and friendly support staff, Crypto.com ensures that any issues you may have can be quickly and easily resolved. So, if you ever run into a problem, you can rest assured that Crypto.com will be there to help you out.

Crypto.com offers 24/7 customer support, with mostly live responses and a maximum wait time of a few hours. Customers have reported positive experiences with the helpful and communicative customer service staff.

Appropriate Fees

Crypto.com offers a tiered fee structure based on your 30-day trading volume (in USD). The more you trade, the lower your fees will be. This system allows users to benefit from reduced fees as their trading volume increases.

Crypto.com offers competitive trading fees, with the rate depending on the user’s 30-day trading volume. For makers, the fees range from 0.04% to 0.1%, while takers pay between 0.1% and 0.16%.

This exchange offers some of the most competitive fees on the market for both trading and withdrawing crypto assets. User reviews of the exchange show that the withdrawal fees are dependent on the crypto asset in question, but are generally quite reasonable.

Credit / Debit Card Purchases – Available

Using a credit or debit card to purchase crypto assets is a convenient and user-friendly way to start trading and exchanging cryptocurrencies. For those who are new to the crypto world, buying crypto with a card is a much faster and easier option than other methods. Crypto.com offers its users the ability to purchase crypto assets with a credit or debit card, making it a top-of-the-line crypto exchange.

Convenience is key when it comes to purchasing cryptocurrency. Crypto.com makes it easy for customers to buy crypto assets with a credit or debit card, as well as via a bank transfer. Additionally, users can also trade cryptos for other cryptos, giving them the flexibility to choose the payment method that best suits their needs.

Crypto-Based VISA Debit Cards

Crypto.com offers users the ability to get and use crypto debit cards, a unique feature that is helping to make cryptocurrency usage more mainstream. The company has partnered with VISA to provide users with convenient and secure crypto spending solutions.

The exchange also offers metal cards completely free of charge. However, to get one, you must purchase and hold CRO tokens (the native crypto token of the exchange) for at least 180 days. There are various tiers of cards available, each with different benefits, depending on the amount of CRO tokens you hold or stake. This is one of the most exciting features of the Crypto.com Exchange.

Key Disadvantages of Crypto.com

Mandatory KYC

KYC (Know Your Customer) is a set of rules and regulations that most top-rated exchanges adhere to. These regulations require users to provide proof of their residential address and identity, usually in the form of an ID card or driver’s license, in order to use the exchange.

Crypto.com is a secure platform, as it only allows legitimate crypto traders to use it, making it difficult for scammers and hackers to gain access. This ensures that users can rest assured that their funds are safe.

If you want to take advantage of all the features of the Crypto.com exchange, you’ll need to verify your identity. However, there are many crypto enthusiasts who prefer to remain anonymous when trading and exchanging, which is the original idea behind cryptocurrency. Wherever you stand on this issue, one thing is certain: identity verification is required to use the Crypto.com exchange.

Not the Biggest Number of Cryptocurrencies Available

Crypto.com offers a wide range of crypto assets to trade, with over 50 different coins available on the mobile app. However, some users may be disappointed by the limited selection of coins compared to other exchanges, as Crypto.com’s core mission is to provide users with a secure and easy-to-use platform for trading and managing their crypto assets.

Crypto.com is on a mission to become the go-to hub for crypto enthusiasts worldwide, as evidenced by their acquisition of the domain name. If you’re looking to become a successful cryptocurrency exchange, having a wide variety of assets is key. Crypto.com currently offers 50 different coins and trading pairs, but there are exchanges out there that offer over 100 coins and close to 800 trading pairs, making Crypto.com easily outshined.

How to Use Crypto.com?

Let’s now take a look at the actual usability of the exchange. We’ve already discussed how user-friendly the platform is, but let’s put it to the test and see how it performs in practice.

How to Register on Crypto.com?

Visit Crypto.com’s official website.
Click the Exchange button at the top of the page to be redirected to a dedicated section of the site for exchanging currencies.
Create an account by clicking the Sign Up button in the top-right corner of the page.
Fill out all the necessary details to complete the form.
Verify your email address now to complete the process.
Verify your phone number to ensure accuracy and security.
Log in to the website to complete the process!

The registration process for most exchanges is quick and easy, with no need for phone number verification. Signing up is a simple and straightforward process.

How to Deposit Funds into Your Crypto.com Account?

Log in to your Crypto.com Exchange account on your mobile device to access the latest cryptocurrency trading opportunities.
To comply with KYC regulations, Crypto.com requires users to pass verification and verify their identity. This process may seem tedious, but it is necessary to ensure the safety of your funds.
Verification times for exchanges can vary, but typically take only a few minutes to complete.
Once your identity is verified, you will be able to access the mobile exchange platform.

If you’re looking to buy cryptocurrency, the Trade button on our platform makes it easy. Simply select the cryptocurrency you’d like to purchase, add your card details, and you’re done!

The KYC process can be time-consuming and frustrating, especially when the cryptocurrency market is volatile. It can take up to three days to complete the process and start buying cryptos.

Conclusion

We would generally recommend Crypto.com as a platform. However, there are a few issues that need to be addressed.

Crypto.com is a great choice for those looking for a reliable and user-friendly crypto platform. With competitive exchange fees, helpful customer support, and a secure environment, Crypto.com is a great option for those looking to buy, sell, and trade cryptocurrencies.

Crypto.com offers a convenient way to purchase cryptocurrencies, but the KYC verification process can be lengthy compared to other exchanges. If you’re looking for an easier and faster way to buy crypto, Coinbase and Binance are two of the top crypto exchanges on the market.

Latest News and Updates (2026)

The update at the top of this page covers the material 2025–2026 changes. It supersedes the historical rates, product names and reward figures below it.

Crypto.com FAQ

Is Crypto.com Exchange available in the United States?

Availability depends on the specific product and state. US users should check current Exchange eligibility and terms rather than assume every global feature is available.

Is Crypto.com regulated?

Crypto.com lists regulated entities and registrations in multiple jurisdictions. Its Malta entity holds a full MiCA CASP authorisation, while its US national trust bank charter remained conditionally approved at this review date.

Does Crypto.com require KYC?

Yes. Identity verification is required for Exchange onboarding and access to regulated services, with the requested information varying by country and account type.

How many markets does Crypto.com Exchange support?

The current institutional Exchange page advertises more than 400 spot pairs and more than 700 instruments across several product types. Listings and eligibility can change.

What is the Crypto.com GEN 3.0 Exchange?

GEN 3.0 is a 2026 infrastructure upgrade that combines spot, margin and derivatives access through one Exchange wallet and adds updated execution tools.

Are Crypto.com App funds non-custodial?

No. The App and Exchange are custodial services. Crypto.com Onchain is the separate self-custody wallet where the user controls the recovery phrase.

Are the old Crypto.com Visa cashback rates still available?

Do not rely on the historical percentages in the archived review. Card tiers, CRO requirements, rewards and regional availability change and should be checked in current card terms.

What are Crypto.com Exchange fees?

Fees depend on product, rolling trading volume, order type and any eligible programme. Check the live fee schedule before trading because the archived rates may no longer apply.

Does an OCC conditional charter make Crypto.com a bank?

No. Conditional approval was a step toward a national trust bank focused on custody, staking and settlement. It was not final approval or a promise of deposit insurance for exchange balances.

Is Crypto.com safe?

Crypto.com has significant licensing and security controls, but centralized-exchange balances still carry custody, operational and market risks. Use strong account security and consider self-custody for long-term holdings.

Official sources

Disclaimer: Cryptocurrency trading involves significant risks and may result in the loss of your capital. You should carefully consider whether trading cryptocurrencies is right for you in light of your financial condition and ability to bear financial risks. Cryptocurrency prices are highly volatile and can fluctuate widely in a short period of time. As such, trading cryptocurrencies may not be suitable for everyone. Additionally, storing cryptocurrencies on a centralized exchange carries inherent risks, including the potential for loss due to hacking, exchange collapse, or other security breaches. We strongly advise that you seek independent professional advice before engaging in any cryptocurrency trading activities and carefully consider the security measures in place when choosing or storing your cryptocurrencies on a cryptocurrency exchange.