Locking up CRO on the Crypto.com Exchange is a strategic move for users looking to maximize their benefits, from earning daily interest to unlocking significant trading fee discounts. This guide walks you through the complete process, explains how interest is calculated, outlines the tier-based rewards, and answers frequently asked questions to help you make informed decisions.
Whether you're a frequent trader or a long-term investor, understanding how CRO lockups work can significantly enhance your experience on the platform.
Understanding CRO Lockup Benefits
When you lock up CRO on the Crypto.com Exchange, you gain access to multiple financial incentives:
- Daily interest payments based on an annual percentage rate (APR)
- Trading fee discounts or rebates, depending on your locked CRO amount
- Syndicate program eligibility for higher-tier users
- Pay benefits, including enhanced cashback on purchases
These benefits are structured in tiers, meaning the more CRO you lock up, the greater your rewards.
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CRO Lockup Tiers and Associated Rewards
The reward structure is tiered, with increasing benefits as your locked CRO balance rises. Below is a summary of the current tier system:
Trading Fee Benefits and APR by Locked CRO Amount
1,000 CRO:
- 3% off maker and taker fees
- 0% APR interest
- No Syndicate or Pay benefits
5,000 CRO:
- 5% off both fees
- 0% APR
- Syndicate access granted
10,000 CRO:
- 8% off both fees
- 0% APR
- Full Pay benefits unlocked
50,000 CRO:
- Zero maker fees
- 12% off taker fees
- 4% APR interest (paid daily)
100,000 CRO:
- 0.01 bps maker rebate (you earn instead of pay)
- 15% off taker fees
- 4% APR
500,000 CRO and above:
- Up to 0.10 bps maker rebate
- Up to 30% taker fee discount
- 8% APR interest — the highest available rate
All lockups last 180 days and must be withdrawn in full upon maturity. Early withdrawal is not permitted.
Step-by-Step: How to Lock Up CRO
Follow these simple steps to begin earning rewards:
- Ensure CRO is in your Exchange wallet
Before initiating a lockup, transfer CRO from your personal wallet or the Crypto.com App to your Exchange wallet. - Navigate to “Lockup & Earn”
On the Exchange dashboard, locate and select the Lockup & Earn section. - Click “Lockup CRO Now”
You’ll see your available balance. Remember: a minimum of 1,000 CRO is required to qualify for any fee benefits. - Enter the amount to lock
Input the number of CRO you wish to lock (minimum 1,000). Click Review Lockup. - Confirm the transaction
Review lockup duration (180 days), interest rate, and fee benefits. Confirm to proceed. - Monitor your locked position
After confirmation, you can view your locked amount and countdown timer on the Lockup & Earn page.
You can top up your locked CRO at any time, but each top-up resets the 180-day period for the entire locked balance. Each additional deposit must also be at least 1,000 CRO.
How Is Interest Calculated?
Daily interest is distributed based on a clear formula:
Daily Interest = Principal (CRO) × (APR ÷ 365)
For example:
- Locking 50,000 CRO at 4% APR yields:
50,000 × (0.04 ÷ 365)= approximately 5.48 CRO per day
Interest is calculated daily at 00:50 UTC based on your current locked balance and applicable APR tier. Payouts are typically processed within one hour after evaluation.
Note: Your trading fee tier is updated hourly, based on:
- Past 30-day trading volume (in USD)
- Current locked CRO amount
This dynamic system ensures active traders are rewarded promptly.
Frequently Asked Questions
Can I withdraw my CRO before the 180 days are up?
No. Once CRO is locked, it cannot be withdrawn early. Full withdrawal is only possible after the 180-day period ends.
Does topping up reset my lockup period?
Yes. Any additional deposit resets the 180-day countdown for your entire locked balance—not just the new amount.
Is CRO locked on the Exchange the same as in the Crypto.com App?
No. Locking CRO in the Crypto.com App (via Crypto Earn) is a separate program with different terms and rewards. These balances cannot be transferred between platforms.
What happens when my lockup period ends?
Upon maturity, your CRO becomes available for withdrawal or can be automatically re-locked. The APR will be adjusted to the current tiered rates unless renewed under new terms.
Are maker fee rebates paid in real time?
Yes. When you place a limit order that gets filled, any maker rebate is credited instantly in the currency of the trade. For derivatives trading, rebates are settled in USDC.
How do I check my remaining lockup time?
Visit the Lockup & Earn page on the Exchange. It displays your total locked CRO and a countdown of days until eligibility for withdrawal.
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Important Updates and Historical Context
As of August 18, 2022, the flat 10% APR for large lockups was replaced with a tiered model. However:
- Users who locked 5,000 CRO or more before August 18, 2022, continue earning 10% APR until their original 180-day term ends.
- After that, they’ll roll into the new tier-based APR system.
- All new lockups follow the current tier structure regardless of amount.
This change aimed to create a more sustainable rewards model while still incentivizing high-volume participants.
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Final Thoughts
Locking up CRO on the Crypto.com Exchange offers a compelling opportunity to grow your assets passively while reducing trading costs. With tiered APRs up to 8%, real-time fee rebates, and exclusive program access, it’s ideal for active traders and long-term holders alike.
By understanding how interest accrues, how tiers function, and how top-ups affect lockup duration, you can strategically manage your position for maximum benefit.
Remember: plan ahead, as early withdrawal isn’t allowed. Use this guide to make informed decisions and fully leverage what the Exchange has to offer.
Note: All information is accurate as of latest update and reflects current platform policies. Always review official sources for real-time changes.