Crypto.com Review 2025: Pros, Cons and Tips

In-depth Details: What’s to Like and What You Should Know

Crypto.com is a unified finance hub offering spot, margin, perpetual futures, and options trading. By 2025, it added stock and ETF trading in key regions. The exchange supports over 350 cryptocurrencies with trading fees starting at 0.075%

Users who stake the native CRO token receive lower fees and VIP benefits. The popular Visa card program gives users up to $5 cashback, plus perks like Spotify and Netflix reimbursements for CRO stakers.

The platform also offers Crypto Earn accounts for interest on 40+ cryptocurrencies, staking options, and a DeFi Wallet.

In 2025, an ambitious roadmap introduced AI-powered trading (Cortex AI), expanded institutional custody, a proprietary stablecoin, and new margined derivatives. That August, the exchange formed the Trump Media Group CRO Strategy—a crypto treasury joint venture with the Trump Media & Technology Group, slated to go public via SPAC merger. Crypto.com aims to be one of the best cryptocurrency exchanges and continuously adds global payment options to simplify crypto transactions.

History and Background

The platform was founded in 2016 in Hong Kong as Monaco. Led by Kris Marszalek, the team pivoted from crypto cards to a broader financial platform after acquiring the Crypto.com domain in 2018.

Headquartered in Singapore and employing over 5,000 people, the company operates the platform globally and holds high-profile sports sponsorships, including the Crypto.com Arena in Los Angeles and the UEFA Champions League. In 2025, it secured MiCA authorization in the EU and continues to expand its regulated operations worldwide.

Safety and Security

Our Crypto.com review determined that it has robust security measures and maintains regulatory compliance across multiple jurisdictions. It performs proof‑of‑reserves attestations and holds licenses and registrations with financial authorities in various countries, including MiCA authorization for European operations.

The exchange stores the majority of user funds in cold storage wallets, with only operational float maintained in hot wallets. After a 2022 breach, the company reimbursed affected users and upgraded their user controls.

All these measures form part of its goal of being considered one of the safest cryptocurrency exchanges available.

Here are some things that caught my eye:

• Two-Factor Authentication: Mandatory 2FA using Google Authenticator, SMS, or email verification for all accounts
• Biometric Logins: Fingerprint and facial recognition support on mobile applications
• Cold Storage: Majority of funds stored offline in geographically distributed locations
• Withdrawal Whitelist: Restriction of withdrawals to pre-approved addresses for enhanced security
• Anti-Phishing Protection: Uses custom verification codes to prevent fraud
• Device Management: Real-time monitoring and alerts for new device logins and suspicious activity
• Regulatory Compliance: Licenses and registrations with financial authorities in multiple jurisdictions
• Proof of Reserves: Regular attestations to verify asset backing
• Multi-Signature Controls: Enhanced fund security for operational wallets through multiple approval requirements
• Advanced Monitoring: AI-powered fraud detection and prevention systems

My overview: I appreciate its extensive functionality that makes everything, from basic crypto buys to pro-level trading, accessible within a single platform,

Special features

Crypto.com’s Visa Card program is the platform’s flagship feature, offering five tiers of metal cards with benefits ranging from 1% to 5% cashback on all purchases paid in CRO tokens.

Crypto Earn enables you to earn interest on 40+ cryptocurrencies through flexible or fixed-term deposits. Rates vary based on the cryptocurrency and staking duration. The Crypto.com lending program allows users to earn interest on their crypto holdings, take out loans, accept crypto payments, trade cryptocurrencies, and more.

The non-custodial DeFi Wallet supports multiple blockchains and provides direct access to decentralized exchanges, yield farming, liquidity mining, and DeFi protocols. You stay in control of your private keys at all times.

Its NFT marketplace lets you create, buy, and sell digital collectibles, including exclusive drops from artists, celebrities, and brands, and has hosted several high-profile releases and collaborations.

In 2025, crypto baskets were introduced on the platform, allowing you to invest in curated cryptocurrency baskets. The platform also recently added stock and ETF trading in the US (select states), the EU, Australia, and Canada.

Usability

The platform’s layout is beginner-friendly with guided onboarding, making it easy to get started for anyone. For more advanced trading, the platform has detailed charts and portfolio tools to make your experience all the more rewarding.

Customer support

Customer support is available 24/7 via in-app chat and email, backed by a comprehensive Help Center and Crypto.com University with FAQs, tutorials, and guides covering platform features and crypto basics.

Response times vary depending on the issue’s complexity and the support channel you choose. Simple queries are often handled through the in-app chat within hours, while complex technical difficulties requiring manual escalation may take longer.

Some users have reported frustration with automated responses and difficulty reaching human support agents for urgent matters.

They have an active social media presence on X, Facebook, Instagram, and Telegram. These channels can be useful for getting help.

Mobile app

The mobile app for iOS and Android centralizes trading, card management, alerts, performance analytics, recurring buys, and DeFi Wallet integration. The NFT marketplace and DeFi services are all built into the app. For professional traders, the separate Exchange app provides advanced charting and order types. ​

Other useful features you should know about

• Price Alerts: Customizable notifications for price movements and market events
• Recurring Purchases: Automated crypto purchases for dollar-cost averaging strategies
• OTC Desk: Personalized over-the-counter trading services for large-volume transactions
• Crypto Credit: Borrow against cryptocurrency holdings without selling assets
• Tax Reports: Comprehensive transaction history and tax reporting tools for regulatory compliance
• API Access: RESTful and WebSocket APIs for algorithmic trading and portfolio management
• Referral Program: Earn rewards by inviting friends to join the platform
• Syndicate: Early access to new token launches and exclusive investment opportunities
• Supercharger: Liquidity mining events offering rewards in the form of new tokens
• Mission Control: Gamified rewards system with daily tasks and challenges

Additional information about fees:

• CRO staking of $50,000+ qualifies for 0% maker fees and reduced taker fees at all tiers.
• Crypto Deposits: Free
• Crypto Withdrawals: Vary by cryptocurrency and network conditions
• Credit/Debit Card Purchases: 2.99% processing fee in most regions
• Bank Transfer Deposits: Free in most jurisdictions
• Visa Card Inactivity: $4.95 monthly fee after 12 months of no use
• Card Issuance: Free for the first card; regional fees may apply for replacements.

Does Crypto.com charge a monthly fee?

There is a monthly fee for standard trading. Users pay fees per trade, with no recurring monthly charges required to maintain a basic account. However, optional paid tiers offer additional benefits, such as fee waivers up to caps.

How To Set Up a Crypto.com Exchange Account

If you want to try out the platform for yourself, here’s what you need to do:

• Step 1: Download the mobile app from the App Store or Google Play, or visit the website
• Step 2: Click “Sign Up”, provide your email address, and create a secure password
• Step 3: Complete verification by clicking the confirmation link sent to your email.
• Step 4: Provide basic personal information such as your full name, date of birth, and country of residence
• Step 5: Choose your preferred verification method and upload government-issued photo identification
• Step 6: Complete identity verification with a selfie for liveness check
• Step 7: Upload a recent proof of address document (utility bill, bank statement, or government-issued document)
• Step 8: Set up mandatory two-factor authentication using Google Authenticator, SMS, or email
• Step 9: Complete any additional verification requirements based on your jurisdiction
• Step 10: Fund your account via card, bank transfer, or crypto deposit and start trading

Please note: Identity verification can take minutes or hours, depending on document quality and regional requirements.

Who Is Crypto.com For? What Other Users Have to Say

• Best for: Users who want one app for crypto, card rewards, and stock/ETF trades. It’s also perfect for active traders who can use the exchange for lower fees and better tools.
• Not ideal for: Users targeting the very lowest maker/taker fees without staking or subscriptions. It may also not suit users in regions that restrict derivatives.

Why You Should Trust CryptoVantage: How I Reviewed Crypto.com

Our exchange ratings weigh trade volumes and asset availability, features and tools, security, transparency and support, fees and added costs, and overall ease of use. This framework keeps the focus on user benefit and practical trade‑offs rather than hype.

• Trade volumes and asset availability
• Trading features and tools
• Security
• Transparency, reputation, and support
• Fees and added costs
• Ease of use

Final Thoughts: Is Crypto.com Worth It?

Crypto.com in 2025 combines trading, Visa rewards, DeFi, NFTs, stocks, and subscriptions in a single ecosystem.

Innovations like Cortex AI, Crypto Basket, and the Level Up rewards program add even more value, especially if you’re willing to stake CRO or subscribe to unlock better pricing.

The platform is a top choice for active traders and people who want crypto rewards. For beginners, the feature density can feel overwhelming at first, but if you want a comprehensive, forward‑leaning platform, Crypto.com is a winner.