crypto.com
Crypto.com is a Hong Kong-based crypto exchange that also offers crypto savings accounts and crypto loans.
Pros
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Savers can choose from a wide range of cryptocurrency savings accounts Currencies
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High maximum interest rates compared to other platforms and there are several ways to get this higher rate Maximum Interest
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Feature-rich wallet administration Wallet Admin
Cons
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Low base interest rate Base Rate (Savings Accounts)
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Once the loan-to-value ratio exceeds the critical liquidation threshold, crypto.com has the right to liquidate 100% of the loan collateral. Typically, crypto lending platforms will only liquidate to re-establish the agreed LTV Loan Liquidation
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The lending features are only available on the crypto.com moile App, not on the desktop version Desktop App
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Relatively high minimum amounts for crypto savings accounts compared to other platforms (around 200$ depending on the currency) Minimum Deposit
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Lending services are not available in Hong Kong, Malta, Switzerland, and the US states of American Samoa, Guam, Northern Mariana Islands, Puerto Rico, Virgin Islands Countries
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Customer support answers specific questions with general answers that provide little value Customer Service
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The deposit limit is 500,000 USD. The limit is calculated using the price of the cryptocurrency when starting the earn term. Deposit Limits
The interest rates at crypto.com
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Earn Interest
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Borrow Money
CRO
|
EOS
|
BTC
|
ETH
|
USDT
|
XRP
|
BCH
|
LINK
|
BNB
|
LTC
|
ADA
|
USDC
|
XLM
|
XTZ
|
ATOM
|
DAI
|
VET
|
MKR
|
OMG
|
COMP
|
ALGO
|
BAT
|
EGLD
|
TUSD
|
PAX
|
ICX
|
KNC
|
MANA
|
ENJ
|
PAXG
|
TGBP
|
TAUD
|
TCAD
|
CELR
|
DOT
|
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Basic
Max
|
2%
6%
|
0.5%
3%
|
0.5%
6.5%
|
2.5%
5.5%
|
6%
12%
|
0.5%
3%
|
0.5%
3%
|
0.5%
3%
|
0.5%
3%
|
0.5%
3%
|
0.5%
3%
|
6%
12%
|
0.5%
3%
|
0.5%
3%
|
0.5%
3%
|
6%
12%
|
0.5%
3%
|
0.5%
3%
|
0.5%
3%
|
0.5%
3%
|
0.5%
3%
|
0.5%
3%
|
0.5%
3%
|
6%
12%
|
6%
12%
|
0.5%
3%
|
0.5%
3%
|
0.5%
3%
|
0.5%
3%
|
0.5%
3%
|
6%
12%
|
6%
12%
|
6%
12%
|
0.5%
3%
|
0.5%
3%
|
|
Basic
Max
|
2%
6%
|
3.6%
8%
|
3.4%
8%
|
3.2%
8%
|
9.1%
13.3%
|
3%
8%
|
3.7%
8%
|
3.3%
8%
|
3.2%
8%
|
4.3%
8%
|
0.5%
3%
|
9.5%
13.3%
|
3.2%
8%
|
0.5%
3%
|
0.5%
3%
|
8.7%
13.3%
|
0.5%
3%
|
0.3%
3%
|
1.3%
3%
|
2.5%
5.8%
|
0.5%
3%
|
1.4%
4.4%
|
0.5%
3%
|
15%
33.4%
|
8.8%
13.3%
|
0.5%
3%
|
1%
3.2%
|
0.8%
3%
|
0.5%
3%
|
4.2%
8%
|
8.3%
13.3%
|
8.3%
13.3%
|
8.3%
13.3%
|
0.5%
3%
|
4.5%
11.2%
|
How to earn the highest interest rates with crypto.com
Crypto.com offers bonus interest if you hold a minimum amount of CRO Tokens (the native cryptocurrency of the platform) in your wallet.
Crypto.com also offers higher interest rates if you choose a longer lock-up period. You can select either flexible, 1-month, or 3-months periods.
The base rate for crypto.com is the rate savers get for a flexible term and if they don't meet the minimum CRO staking requirements. The maximum rate is the rate for a 3-months term and a CRO-stake of 500,000 or more.
All information is unofficial and subject to change.
Did you find outdated information? Write us a message.
Lending not a priority
Crypto.com is not a pure lending platform and the focus seems to be on their exchange services rather than on crypto lending. The base lending rates on savings accounts are low compared to other players. The fact that crypto.com has the right to liquidate a borrower's entire collateral if it exceeds a certain threshold is irritating. Compared to some of the pure players, crypto.com is a rather average lending platform.
crypto.com in the CryptoStudio-Check
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Overview
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Savings Accounts
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Crypto Loans
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Security
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User Experience
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Business Review
Savings Accounts
Crypto-Loans
Security
User Experience
Business Review
Pros
Cons
Currencies:
Fiat Savings Accounts:
Base Rate:
Maximum Interest:
Lock-up Periods:
Minimum Deposit:
Compound interest:
Withdrawal Limits:
Currency of Interest Payments:
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Maturity:
Minimum Loan:
Maximum Loan:
Loan currency:
Accepted Collateral:
Loan Liquidation:
Stress Test March 2020:
Base Rate:
Minimum Interest:
Loan to Value Ratio:
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Withdrawal Speed:
Regulations:
Team Transparency:
Crypto-Custody:
Security Settings:
Terms & Conditions:
Data Transparency:
Security Hacks:
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Account Opening:
Business Accounts:
Mobile App:
Desktop App:
Wallet Admin:
Reporting:
Coin-Reporting:
Look & Feel:
Customer Service:
Interest Rate Transparency:
Countries:
Fees:
Languages:
Did you find outdated information? Write us a message.
Financing:
CEO Track Record:
Assets under Management:
User Base:
Community Interaction:
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Crypto.com Look & Feel
The lending features are only available in the mobile app, not in the desktop app. The app itself is not complicated to use, but the advertising popups are disturbing the user experience. Customer service does often answer lending-specific questions with general answers that don't help solving the problem.
Registration process
Registering with crypto.com is easy and straightforward and takes only a few minutes.
Step 2
Start the registration process through the mobile app.
Step 3
Most users won't need a metal card. Click on "Skip" to go to the next step.
All information is unofficial and subject to change. Links marked with an asterisk (*) may be affiliate links
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