Crypto.com has evolved into a comprehensive digital asset platform, offering far more than just cryptocurrency trading. From staking and NFTs to stock investing and crypto-powered credit cards, it caters to both retail and institutional investors seeking a one-stop financial solution. As of 2025, the platform supports over 400 cryptocurrencies and has expanded its reach with a U.S.-based institutional exchange, advanced trading tools, and integrated traditional finance features.
This in-depth review explores Crypto.com’s core offerings, fee structure, security measures, and user experience—while also comparing it to top alternatives like Coinbase and Abra.
Key Features of Crypto.com
Crypto.com stands out for its wide range of services tailored to various investor types:
- Cryptocurrency Trading: Access to 400+ coins and tokens across multiple blockchains.
- Stocks & ETFs: Commission-free trading on over 5,000 U.S. stocks and ETFs with fractional share support.
- Staking & Earnings: On-chain staking for major cryptocurrencies with automated rewards.
- Crypto Baskets: Thematic investment portfolios for instant diversification.
- NFT Marketplace: A dedicated platform for minting, buying, and selling NFTs.
- Non-Custodial Wallet (Onchain): Full control over private keys with multi-chain support.
- Derivatives & Options: Regulated crypto futures, strike options, and UpDown options.
- Visa Card Rewards: Up to 5% cashback when using the native CRO token.
👉 Discover how you can start building a diversified crypto portfolio today.
How to Invest on Crypto.com
Mobile App Experience
The Crypto.com mobile app is one of the most polished in the industry, ideal for users who prefer managing investments on the go. It supports buying, selling, tracking, and staking hundreds of cryptocurrencies—including Bitcoin, Ethereum, Litecoin, and Dogecoin—with support for over 20 fiat currencies.
New users benefit from a streamlined onboarding process that includes "Missions"—achievements that reward engagement with points ("Diamonds") redeemable for perks. The app integrates seamlessly with the Crypto.com Visa Card, which offers tiered cashback rewards based on CRO holdings.
Stocks, ETFs, and Fractional Shares
Beyond crypto, Crypto.com offers access to traditional markets. Investors can trade over 5,000 U.S. stocks and ETFs commission-free through Foris Capital US LLC. Accounts are SIPC-insured up to $500,000, adding an extra layer of protection.
A limited-time promotion offers up to 3% bonus when transferring stocks from another brokerage, plus a $100 reimbursement for transfers of $2,000 or more. Additionally, users can earn passive income via the Securities Lending program by loaning shares to Apex Clearing—though this carries counterparty risk.
Advanced Trading: Options and Derivatives
For experienced traders, Crypto.com provides regulated derivatives under CFTC oversight. These include:
- Strike Options: Short-term contracts starting at $10, allowing speculation on price movements of assets like BTC, ETH, SOL, and others.
- UpDown Options: Binary-style trades where users predict whether an asset’s price will rise or fall within a set timeframe.
These tools appeal to active traders but come with high risk due to leverage and volatility.
Sports Event Trading
A unique—and controversial—feature is Sports Event Trading, which functions similarly to sports betting. Users place predictions on real-world events (e.g., which team will win a game) and earn crypto rewards if correct. While engaging for sports fans, this feature blurs the line between investing and gambling and isn't recommended for conservative investors.
Crypto Baskets for Instant Diversification
Crypto.com offers 15 pre-built Crypto Baskets, each designed around a theme:
- BTC-ETH Duo
- Meme Coins
- AI-focused Tokens
- Solana Ecosystem
- Trio (BTC, ETH, CRO)
These baskets automatically rebalance based on preset ratios, helping users maintain exposure without constant manual adjustments.
Staking and Passive Income Opportunities
Crypto.com’s Rewards+ loyalty program automatically enrolls users upon account creation. By trading at least $100 annually, users unlock up to 20 tiers with increasing benefits—including higher staking yields and reduced fees.
Staking is available for popular tokens like Ethereum (ETH), Solana (SOL), and Cronos (CRO), with payouts distributed up to three times per week. However, Crypto.com retains a 20% or higher fee on staking rewards, which is above average compared to some competitors.
Users also earn interest through Crypto Earn, which offers variable APYs on stablecoins and select cryptocurrencies—though rates fluctuate frequently.
Security and Trustworthiness
Crypto.com employs robust security protocols:
- End-to-end data encryption
- Two-factor authentication (2FA)
- Biometric login
- Cold storage for most assets
- SIPC insurance for fiat balances
Despite these measures, the platform suffered a significant breach in January 2022, affecting 483 users with unauthorized withdrawals totaling $35 million. All affected accounts were fully reimbursed, and Crypto.com responded by launching the Account Protection Program (APP) to enhance monitoring and fraud detection.
However, its reputation took a hit with an F rating from the Better Business Bureau (BBB) due to unresolved customer complaints. In contrast, regulatory oversight exists for derivatives via the CFTC, and international operations are regulated by bodies like the UK’s FCA.
Notably, New York residents cannot access Crypto.com Exchange, limiting availability in certain regions.
Fee Structure: Transparent but Costly for Some
Crypto.com uses a maker-taker fee model based on 30-day trading volume and CRO lockup status:
| Trading Volume (USD) | Maker Fee | Taker Fee |
|---|---|---|
| < $50K | 0.075% | 0.10% |
| $50K–$1M | 0.06% | 0.08% |
| > $1M | As low as 0% | As low as 0.05% |
Locking CRO tokens reduces fees significantly. However, credit/debit card purchases incur high fees—up to 3.99%—making bank transfers a more cost-effective option.
Additional costs include:
- $100 fee for external asset transfers
- Variable withdrawal fees (e.g., 6 DOGE for Dogecoin)
- 0.5% forced liquidation fee
👉 Learn how low-fee platforms can help maximize your long-term returns.
Alternatives to Crypto.com
Coinbase
Pros:
- Strong BBB rating (A-)
- Excellent customer support (phone, email, live chat)
- Educational resources via Coinbase Earn
- User-friendly interface for beginners
Cons:
- Higher trading fees than advertised
- No stock/ETF trading
- Limited staking options
Coinbase is better suited for users prioritizing security and support but lacks the breadth of financial products offered by Crypto.com.
Abra
Pros:
- Institutional-grade OTC trading
- Treasury and lending services
- SEC-registered investment advisor (RIA)
Cons:
- Not available to U.S. retail investors
- $50K minimum for premium services
Abra focuses on high-net-worth clients and institutions rather than everyday users.
Frequently Asked Questions
Q: Is Crypto.com safe to use in 2025?
A: Yes. While it experienced a major hack in 2022, all affected users were reimbursed. The platform uses strong encryption, 2FA, cold storage, and SIPC insurance for fiat deposits.
Q: Does Crypto.com offer stock trading?
A: Yes. It provides commission-free trading on over 5,000 U.S. stocks and ETFs with fractional shares and SIPC coverage up to $500,000.
Q: What are the fees for trading on Crypto.com?
A: Fees depend on your monthly trading volume and whether you’ve locked CRO tokens. Maker fees range from 0% to 0.075%, while taker fees go from 0.05% to 0.10%.
Q: Can I stake crypto on Crypto.com?
A: Yes. You can stake ETH, SOL, CRO, and many other tokens directly through the app. Rewards are paid frequently but subject to a ~20% platform fee.
Q: Why does Crypto.com have an F rating from the BBB?
A: The BBB gave Crypto.com an F due to failure to respond to customer complaints. However, this doesn’t necessarily reflect security flaws—it relates more to customer service responsiveness.
Q: Is there a minimum deposit requirement?
A: No. You can start trading with as little as $1 worth of cryptocurrency.
👉 Compare top crypto platforms side-by-side and find the best fit for your investment goals.