How to register?

Warning: We don't recommend to deposit at Crypto.com until further notice. Due to recent market events including the FTX insolvency, we advise to only deposit as soon as the potential risk caused by these events are obsolete. We're closely observing the circumstances and will update this page as soon as there are any changes.

Crypto.com is a Hong Kong-based crypto exchange that also offers crypto savings accounts and crypto loans.

Savings Accounts

22

Collateral

7

Loans

Clarity of interest policies

Jurisdictions

200+

Languages

EN + 6

CeFi/DeFi

CeFi

Pros

Savers can choose from a wide range of cryptocurrency savings accounts

Currencies
Compared to other platforms, savers who have large deposits in their savings account (Whale) also receive a high interest rate if they meet certain prerequisites.

Savings Accounts
Feature-rich wallet administration

Wallet Admin

Cons

Relatively low rates for low and high deposits (shrimps & whales) if the user doesn't stake CRO. To get higher rates, the user has to stake a relatively high amount of CRO

Savings Accounts
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
The lending features are only available on the crypto.com moile App, not on the desktop version

Desktop App
Relatively high minimum amounts for crypto savings accounts compared to other platforms (around 200$ depending on the currency)

Minimum Deposit
The deposit limit is 500,000 USD. The limit is calculated using the price of the cryptocurrency when starting the earn term.

Deposit Limits
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
Customer support answers specific questions with general answers that provide little value

Customer Service

All cons

The interest rates at crypto.com

Earn Interest
Borrow Money

	CRO	BTC	ETH	USDT	BNB	ADA	USDC	ATOM	DAI	VET	ALGO	EGLD	PAX	CELR	DOT	SOL	AVAX	ONE	MATIC	ZIL	NEAR	FTM
	2 - 4% 2 - 0.6%	0.2 - 4% 0.2 - 0.6%	0.2 - 4% 0.2 - 0.6%	0.4 - 6.5% 0.4 - 1%	0.1 - 3% 0.1 - 0.4%	0.1 - 3% 0.1 - 0.4%	0.4 - 6.5% 0.4 - 1%	0.4 - 5% 0.4 - 0.8%	0.4 - 6.5% 0.4 - 1%	0.1 - 3% 0.1 - 0.4%	0.1 - 3% 0.1 - 0.4%	0.4 - 5% 0.4 - 0.8%	0.1 - 3% 0.1 - 0.4%	0.1 - 3% 0.1 - 0.4%	1.1 - 12.5% 1.1 - 1.9%	0.2 - 4.5% 0.2 - 0.7%	0.2 - 6% 0.2 - 0.9%	0.2 - 6% 0.2 - 0.9%	1.1 - 12.5% 1.1 - 1.9%	0.2 - 6% 0.2 - 0.9%	0.2 - 6% 0.2 - 0.9%	0.4 - 5% 0.4 - 0.8%
	2 - 4% 2 - 0.6%	0.2 - 8.5% 0.2 - 7%	0.2 - 8%	0.4 - 12%	0.1 - 8%	0.1 - 10%	0.4 - 12%	0.4 - 8%	0.4 - 12%	0.1 - 3% 0.1 - 0.4%	0.1 - 3% 0.1 - 2.5%	0.4 - 5% 0.4 - 0.8%	0.1 - 12%	0.1 - 3% 0.1 - 0.4%	1.1 - 15%	0.2 - 10%	0.2 - 12%	0.2 - 6% 0.2 - 0.9%	1.1 - 16%	0.2 - 6% 0.2 - 0.9%	0.2 - 10%	0.4 - 8%

Compare Interest Rates

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 equivalent of $40,000 or more.

All information is unofficial and subject to change.

Attention: Outdated Information!

	BTC	CRO	EOS	ETH	LTC	XLM	XRP
Basic Min	12% 8%	12% 8%	12% 8%	12% 8%	12% 8%	12% 8%	12% 8%
Basic Min	11.7% 0%	12% 8%	11.6% 0%	11.7% 0%	11.7% 0%	10.9% 0%	13% 0%

Compare Lending Rates

How to get the cheapest crypto loan with crypto.com

Crypto.com offers borrowers lower interest rates if they keep a minimum amount of CRO tokens (the native cryptocurrency of the platform) in their wallets.

All information is unofficial and subject to change.

Attention: Outdated Information!

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. Compared to some of the pure players, crypto.com is a rather average lending platform.

crypto.com in the CryptoStudio-Check

Overview
Savings Accounts
Crypto Loans
Security
User Experience
Business Review

Overview

Platform Score

based on 5 categories

Savings Accounts

based on 9 criteria

Crypto-Loans

based on 10 criteria

Security

based on 8 criteria

User Experience

based on 13 criteria

Business Review

based on 5 criteria

Pros

Savers can choose from a wide range of cryptocurrency savings accounts

Currencies

Compared to other platforms, savers who have large deposits in their savings account (Whale) also receive a high interest rate if they meet certain prerequisites.

Savings Accounts

Feature-rich wallet administration

Wallet Admin

Cons

Relatively low rates for low and high deposits (shrimps & whales) if the user doesn't stake CRO. To get higher rates, the user has to stake a relatively high amount of CRO

Savings Accounts

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

The lending features are only available on the crypto.com moile App, not on the desktop version

Desktop App

Relatively high minimum amounts for crypto savings accounts compared to other platforms (around 200$ depending on the currency)

Minimum Deposit

The deposit limit is 500,000 USD. The limit is calculated using the price of the cryptocurrency when starting the earn term.

Deposit Limits

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

Customer support answers specific questions with general answers that provide little value

Customer Service

Savings Accounts

Rating:

Currencies:

22: CRO, BTC, ETH, USDT, BNB, ADA, USDC, ATOM, DAI, VET, ALGO, EGLD, PAX, CELR, DOT, SOL, AVAX, ONE, MATIC, ZIL, NEAR, FTM

Shrimp:

Investors whose investment amount is less than <30,000 USD count as shrimp at Cryptocom and receive an interest of 0.2 - 4% on BTC, 0.2 - 4% on ETH, 0.4 - 6.5% on USDT.

Whales:

Investors whose investment amount is above >30,000 count as Whales at Cryptocom and receive an interest of 0.2 - 0.6% on BTC, 0.2 - 0.6% on ETH, 0.4 - 1% on USDT.

Options to earn higher rates:

There are different staking levels and lock up periods to choose from. Investors can only get the highest interest rate within the related interest range on their cryptocurerncy if they choose the maximum staking level and the longest lock up period.

Lock-up Periods:

Flexible, 1 months, or 3 months

Minimum Deposit:

Depending on the currency and lock-up period

Withdrawal Limits:

10 BTC for all cryptocurrencies on a 24h rolling basis

Currency of Interest Payments:

"In-kind" (same currency as deposit currency)

Attention: Outdated Information!

Crypto Loans

Rating:

Maturity:

12 months

Minimum Loan:

100 USD

Maximum Loan:

1 million USD

Loan currency:

Crypto

Accepted Collateral:

7

Loan Liquidation:

There are Margin Calls at 70% and 80% LTV. Crypto.com liquidates at 85% LTV. At this point, Crypto.com has the right to liquidate 100% of the borrower's collateral

Stress Test:

There have been no public reports on crypto.com's reactions during the Crypto Flash Crash

Base Rate:

12.00% for all loans

Minimum Interest:

Crypto.com offers lower rates if borrowers own a certain amount of CRO tokens. The minimum rate currently stands at [variable borrow_rate BTC] for all loans

Loan to Value Ratio:

50%

Attention: Outdated Information!

Security

Rating:

Withdrawal Speed:

10 BTC for all cryptocurrencies on a 24h rolling basis

Regulations:

The Crypto.com exchange is regulated in Malta

Team Transparency:

The management team is mentioned on the website

Crypto-Custody:

Crypto.com has a $750 million direct insurance policy by Arch Underwriting at Lloyd's Syndicate

Security Settings:

Crypto.com offers most industry-standard security settings such as 2-factor-authentication address whitelisting, ID Check, and facial recognition

Terms & Conditions:

Crypto.com has the right to use the assets deposited by savers or borrowers for investment purposes. That includes giving loans to third parties

Transparency:

The company does not regularly publish any platform-specific KPIs

Security Hacks:

In January 2022 hackers circumvented passwords and 2FA of some users and stole a total of $30m. According to cryptocom all affected users have been reimbursed

Attention: Outdated Information!

User Experience

Rating:

Account Opening:

Registration is only possible through the mobile app. The process can be confusing due to ambiguous instructions

Business Accounts:

No

Mobile App:

Android and iOS, can be used as a standalone App, mobile-first approach

Desktop App:

The desktop app only offers Crypto.com's exchange services, but not the crypto lending features

Wallet address book:

The desktop app only offers Crypto.com's exchange services, but not the crypto lending features

Reporting:

The reporting shows the total interest earned. The user receives a comprehensive email reporting after each investment term. It is possible to download a CSV file showing the wallet history

Coin-Reporting:

Crypto.com provides a reporting in the respective cryptocurrency and in US dollar

Look & Feel:

Well-designed UI, feature-rich

Customer Service:

24/7 live customer chat support, no dedicated FAQ for crypto lending, customer service answers questions quickly

Clarity of interest policies:

The website clearly explains the crypto.com's interest rates policy, but it is not clear what happens if the user doesn't meet the requirements for maximum interest rates anymore due to a loss in value of the CRO token

Countries:

200+

Fees:

Crypto.com charges withdrawal fees

Languages:

EN + 6

Attention: Outdated Information!

Business Review

Rating:

Financing:

Crypto.com raised $26 million with an ICO in 2017. The company is not yet profitable

CEO Track Record:

CEO and founder Kris Marszalek has cofounded several businesses prior to founding crypto.com, with successful exits

Assets under Management:

Crypto.com does not publish any data regarding their overall AuM specifically for their lending business

User Base:

Crypto.com does not publish and data specifically for their lending business. The company has also not provided any information to CryptoStudio

Community Interaction:

Does participate in public discussion online but does not provide detailed answers to CryptoStudio's inquiries

Attention: Outdated Information!

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. Customer service does often answer lending-specific questions with general answers that don't help solving the problem.