Crypto.com review

Users who want an exchange, card and app in one account

Last verified August 18, 20264 scored axes

Score7.6

Self-reported only

The short answer

Crypto.com scores 7.6 out of 10 and ranks #8 of 8 in the best crypto exchanges table, strongest on market coverage (8.2) and weakest on cost of trading (7.2).

The broadest consumer product in the sector — trading, card, staking and payments in one app — with licensing in several markets to support it. The trading side is the weakest part: pricing is opaque in the simple view and the app pushes its own token hard.

Key facts on record

Founded: 2016
Custody model: Custodial, segregated
Scope: Exchange, card, payments, staking

What the record shows

4 axes, weighted as published in the table’s methodology. Each score below is read from the fact printed under it.

Crypto.com on custody & reserves

7.6/ 35% of the score

Publishes proof of reserves with third-party verification of the stated reserve ratio and holds insurance cover on a portion of custodied assets. No loss of customer funds on record.

Crypto.com on regulatory footing

7.6/ 25% of the score

Holds registrations and licences across Singapore, Dubai, Malta and the wider EU under MiCA, the UK and several US states; no enforcement action on record concerning custody of client assets.

Crypto.com on cost of trading

7.2/ 20% of the score

Fee schedule published, with the app's simple interface applying a spread on top of it; card and staking benefits are tiered to a locked stake of the platform token.

Crypto.com on market coverage

8.2/ 20% of the score

Large listed-asset count with fiat rails in many currencies, plus card and payments products under the same account.

Quick answers

What is Crypto.com best for?: Users who want an exchange, card and app in one account. The broadest consumer product in the sector — trading, card, staking and payments in one app — with licensing in several markets to support it.
Where does Crypto.com rank among best crypto exchanges?: #8 of 8, scoring 7.6 out of 10 — self-reported only on our band scale.
What is the weakest part of Crypto.com?: Cost of trading at 7.2. Fee schedule published, with the app's simple interface applying a spread on top of it; card and staking benefits are tiered to a locked stake of the platform token.

Strengths and weaknesses

In its favour

Wide licensing across Europe, Singapore and the US at varying scopes
Genuinely integrated card and payments experience
Large asset list with fiat support in many currencies

Against it

Simple-mode pricing hides a meaningful spread on top of stated fees
Product benefits are heavily tied to staking the platform's own token

One account, most of the products

Trading, a card, staking and payments in a single app, with licensing across Singapore, Dubai, Malta and the wider EU under MiCA, the UK and several US states to support it. As a consumer product this is the most complete thing in the table, and the card programme in particular has the widest country coverage of anything in our cards ranking.

The cost you cannot see

The published fee schedule is unremarkable; the simple interface then applies a spread on top of it, and that spread is where the economics of the retail product live. It is not disclosed as a line item in the flow, which is why this venue scores well below the leaders on cost even though its stated fees look competitive.

Rewards that require a position in the token

Card tiers and several benefits are gated behind a locked stake of the platform's own token, and the reward terms have been reduced more than once. Treat that as taking a market position to buy a discount: if the token falls, the discount was expensive, and the terms attached to it can change again.

Reserves and record

Proof of reserves is published with third-party verification of the stated reserve ratio, insurance covers a portion of custodied assets, and no loss of customer funds appears on the record. On custody the venue is unexceptional in the good sense — nothing about it stands out as a risk, and nothing stands out as best in class.

Frequently asked questions

Is Crypto.com trustworthy?+

Its record shows no loss of customer funds, proof of reserves with third-party verification of the reserve ratio, insurance on part of the custodied assets, and licences across Singapore, Dubai, the EU under MiCA, the UK and several US states. No enforcement action concerning client assets appears on the record.

Why does Crypto.com feel more expensive than its fee table suggests?+

Because the simple interface applies a conversion spread on top of the published schedule, and that spread is not itemised in the buying flow. Using the exchange interface rather than the app's simple mode avoids most of it.

Do I need to stake CRO?+

Only for the higher card tiers and several in-app benefits, which are gated behind a locked token stake. The base product works without it, and reward terms attached to staking have been reduced more than once.

How Crypto.com compares

8 services in best crypto exchanges

How to read these tables

No paid placement. Nobody buys a position, a score or a mention. We take no affiliate commission on any link in this section, and operators do not see their score before it publishes.

Scores are read from the record. Each one is derived from the fact printed beside it — a published attestation, a contract, a register entry, an incident report — against bands that describe evidentiary states. Facts age: each table carries the date it was last verified, and this is not an audit.

Nothing here is financial advice. Crypto services fail, change terms and withdraw from markets without notice. Verify anything that matters directly with the provider, and tell us when we get something wrong.

Found something out of date? Write to the desk — corrections are printed with the table.