Crypto.com Review 2025: Pros, Cons and Tips

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

The Crypto.com ecosystem aims to be a unified finance hub, not just a crypto exchange. The platform provides access to spot trading, margin trading, perpetual futures contracts, and options trading. As of 2025, stock and ETF trading are also available across multiple regions, including select US states, the EU, Australia, and Canada.

The exchange supports over 350 cryptocurrencies with trading fees starting at 0.075% for both makers and takers. Users who stake the platform’s native CRO token get lower trading fees, and VIPs may earn maker rebates.

The Visa card program is one of the platform’s most exciting features, offering up to 5% cashback on purchases, along with perks like Spotify and Netflix reimbursements, airport lounge access, and exclusive rewards for cardholders who stake CRO tokens. The platform also offers Crypto Earn accounts with competitive interest on more than 40 cryptocurrencies, staking options, and a DeFi Wallet for accessing DeFi protocols.

In 2025, the platform published an ambitious roadmap introducing AI-powered trading tools through Cortex AI, expanded institutional custody services, a proprietary stablecoin issuance, margined derivatives in the US and EU, and the Singularity API for developers.

In August 2025, Crypto.com and Trump Media & Technology Group launched a joint venture to form the Trump Media Group CRO Strategy. The new entity is a crypto treasury, focused on accumulating and managing CRO, with plans to go public via a SPAC merger with Yorkville Acquisition Corp.

The platform is continuously adding more global payment options to make buying and selling crypto easier.

History and Background

Crypto.com 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.

Now headquartered in Singapore with over 5,000 employees, the platform operates globally, holding high-profile sports sponsorships, including the Crypto.com Arena in Los Angeles and the UEFA Champions League. In 2025, the company secured MiCA authorization in the EU and continues to expand regulated operations globally.

Safety and Security

Crypto.com 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 in which approximately $35 million was stolen from user accounts, the company reimbursed affected users and upgraded controls.

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:

What I like about Crypto.com is how much I can do in one place, from basic buys to pro‑level trading without juggling accounts.

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 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.

The 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

Crypto.com’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.

Crypto.com has an active social media presence on X, Facebook, Instagram, and Telegram.

Crypto.com mobile app

The Crypto.com 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 Crypto.com
• 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

Crypto.com Exchange: For the Serious Trader

Crypto.com has an advanced platform called Exchange, which is separate from the main app.

The main app caters to everyday users, while the Crypto.com Exchange offers advanced tools, margin, and derivatives trading. Multiple order types, deep liquidity, portfolio management, customizable dashboards, and trading bot support are all supported.

The Exchange is available on the web and as a dedicated app for experienced and institutional users.

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

Crypto.com Alternatives

The platform is a great choice for crypto traders wanting access to a wide range of features, strong liquidity, and hundreds of supported digital assets. That said, it might not check every box if you’re after ultra-low trading fees or a platform focused purely on derivatives.

To see how the platform compares to other popular exchanges, take a look at our comparison pages.

• Binance vs Crypto.com
• Crypto.com vs Coinbase

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.