{"id":21858,"date":"2021-06-21T11:18:55","date_gmt":"2021-06-21T18:18:55","guid":{"rendered":"https:\/\/coincentral.com\/?p=21858"},"modified":"2022-03-18T12:40:33","modified_gmt":"2022-03-18T16:40:33","slug":"crypto-com-review","status":"publish","type":"post","link":"https:\/\/coincentral.com\/crypto-com-review\/","title":{"rendered":"Crypto.com Review: Is the Crypto Earn Interest Account Legit, Safe, and Worth It?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Crypto.com is often viewed as a pioneer for its cryptocurrency interest account and overarching ecosystem.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Since its launch in 2016, Crypto.com has grown to offer a wide variety of services, such as:<\/span><\/p>\n<ul>\n<li><b>Crypto Earn:<\/b><span style=\"font-weight: 400;\"> A cryptocurrency interest account product.\u00a0<\/span><\/li>\n<li><b>Crypto Credit: <\/b><span style=\"font-weight: 400;\">An instant cryptocurrency loan product.\u00a0<\/span><\/li>\n<li><b>MCO Visa Card: <\/b><span style=\"font-weight: 400;\">a Visa debit card that allows users to convert cryptocurrency to fiat and spend.\u00a0<\/span><\/li>\n<li><b>Crypto.com App: <\/b><span style=\"font-weight: 400;\">an app designed to facilitate the buying, exchange, sending, and storage of cryptocurrency.<\/span><\/li>\n<li><b>Crypto.com Exchange:<\/b><span style=\"font-weight: 400;\"> a native exchange that utilizes CRO to offer users liquidity and low fees on a wide variety of popular cryptocurrencies.\u00a0<\/span><\/li>\n<li aria-level=\"1\"><b>NFTs: <\/b><span style=\"font-weight: 400;\">Sale and auction platform for NFTs.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Basically, everything but the kitchen sink.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This Crypto.com review will focus on the Crypto Earn feature, sometimes referred to as Crypto Invest, in line with our series on <\/span><a href=\"https:\/\/coincentral.com\/top-cryptocurrency-interest-accounts-2021-best-rates-security-and-promos\/\"><span style=\"font-weight: 400;\">cryptocurrency interest accounts<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Crypto.com Crypto Interest Account Quick Summary<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To get the most out of Crypto.com\u2019s \u201cCrypto Earn\u201d product, you\u2019ll find yourself having to jump through a few hoops, which we\u2019ll get into below.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s the skinny.\u00a0<\/span><\/p>\n<p><b>Crypto.com Pros:<\/b><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">One of the highest cryptocurrency interest rates.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access to a much wider array of \u201cinternational\u201d digital assets not available on U.S.-based platforms like <a href=\"https:\/\/coincentral.com\/blockfi-review\/\">BlockFi<\/a> and <a href=\"https:\/\/coincentral.com\/celsius-network-review\/\">Celsius<\/a>.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Visa debit card with cashback rewards.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Low exchange fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fiat on-ramp. Deposit USD, get crypto.\u00a0<\/span><\/li>\n<\/ol>\n<p><b>Crypto.com Cons:<\/b><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Can be tricky to navigate. The UI\/UX has seen marginal improvements since launch, and the sheer complexity of the Crypto.com ecosystem can be daunting for new users.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Requirement of locking up CRO to get the highest rates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Requirement of locking up other digital assets to get the highest rates.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Iffy customer support.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The interest earned on Crypto.com is simple daily interest and will not be compounded.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Crypto.com\u2019s homepage boasts interest rates up to 14%, but it conveniently doesn\u2019t mention that these rates are only available for power users holding large amounts of its token CRO. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s explore if Crypto.com is worth using for any tier of users.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">About Crypto.com<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Crypto.com originally launched under the brand Monaco Technologies in June 2016 but made the branding shift in July 2018 to the domain crypto.com. Its legal name is MCO Malta DAX Limited.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The company experienced significant momentum in its early days. It was accepted into Asia\u2019s leading FinTech accelerator, SuperCharger, the HK-government-backed Cyberport Incubation Program, and would go on to<\/span><b> raise $26.7M in a June 2017 token sale for its token MCO.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Crypto.com is currently headquartered in Hong Kong and lists Kris Marszalek as CEO, Rafael Melo as CFO, Gary Or as CTO, Bobby Bao as Head of Corporate Development. The Crypto.com team boasts cumulative decades of experience and consists of alumni from\u00a0 Binance, Alliance Payment Solutions, Western Union, JP Morgan, Deutsche Bank, Goldman Sachs, McKinsey, and PayPal.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Is Crypto.com Legit?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If this is your first exposure to Crypto.com\u2019s Crypto Earn product, you may get a little confused by the onboarding process\u2013 we sure as heck were.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But that\u2019s all right, we waddled around the dark and can help untangle the complications.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At an elementary level, Crypto Earn enables users to deposit supported coins (like <\/span><a href=\"https:\/\/coincentral.com\/what-is-bitcoin\/\"><span style=\"font-weight: 400;\">Bitcoin<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/coincentral.com\/what-is-ethereum\/\"><span style=\"font-weight: 400;\">Ethereum<\/span><\/a><span style=\"font-weight: 400;\">) and stablecoins (like USDC and Tether) and <\/span><b>earn around 1.5% to 6%, respectively. <\/b><span style=\"font-weight: 400;\">Given the fact that US-based competitors <\/span><a href=\"https:\/\/coincentral.com\/blockfi-review\/\"><span style=\"font-weight: 400;\">BlockFi<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/coincentral.com\/celsius-network-review\/\"><span style=\"font-weight: 400;\">Celsius<\/span><\/a><span style=\"font-weight: 400;\"> offer around 5x more on Bitcoin and nearly double on stablecoins, just dipping your toes into Crypto.com isn\u2019t anything to write home about.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, things change with Crypto.com\u2019s native token, CRO. <strong>Users who buy, stake, and \u201clock up\u201d their CRO benefit from dramatically increased rates.\u00a0<\/strong><\/span><span style=\"font-weight: 400;\">This can be confusing, but these basic definitions may help:<\/span><\/p>\n<ul>\n<li><b>Locking up: <\/b><span style=\"font-weight: 400;\">Users agree to have their cryptocurrency \u201clocked\u201d on the platform for a specified duration, which is either a 3-month duration and a 1-month duration on Crypto.com. <strong>Users receive higher rates of return during this period, but cannot withdraw their cryptocurrency.\u00a0\u00a0<\/strong><\/span><\/li>\n<li aria-level=\"1\"><b>Staking: <\/b><span style=\"font-weight: 400;\">If users purchase Crypto.com\u2019s native token CRO and \u201cstake\u201d it, they\u2019ll receive an even higher percentage. This staking can be done automatically on the Crypto.com app, so in theory, all you\u2019d have to do is purchase the CRO on the app and elect to stake it, which would increase the rates you earn on your other Crypto Earn deposits, as well as your CRO.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Crypto.com requires you to both stake and lock up your tokens, with lockup periods ranging from 1-month, 3-month, to even 6-month for the Visa cards.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Is Crypto.com Crypto Earn Worth Your Time? Crypto.com Interest Rates<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Let\u2019s explore the various Crypto.com interest rate tiers, keeping in mind this isn\u2019t investment advice.<\/span><\/p>\n<p><strong>IMPORTANT: The CRO stake is based on the USD equivalent of CRO, not a quantity amount of CRO. For example, the highest tier requires you to stake $40,000 worth of CRO, not 40,000 CRO coins (about $3,200 at $0.09 per coin.) <\/strong>Whether or not this is intentionally deceptive, it can be very confusing.<\/p>\n<p><span style=\"font-size: 14pt;\"><b>????$1,000 or less of CRO staked with no lock up<\/b><span style=\"font-weight: 400;\"> (i.e. 0 CRO) gets 1.5% on BTC and 6% on stablecoins.<\/span><\/span><\/p>\n<figure id=\"attachment_21862\" aria-describedby=\"caption-attachment-21862\" style=\"width: 1816px\" class=\"wp-caption aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-21862\" src=\"https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.04.07-AM.png\" alt=\"\" width=\"1816\" height=\"1480\" srcset=\"https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.04.07-AM.png 1816w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.04.07-AM-591x482.png 591w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.04.07-AM-621x506.png 621w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.04.07-AM-300x244.png 300w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.04.07-AM-552x450.png 552w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.04.07-AM-768x626.png 768w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.04.07-AM-1536x1252.png 1536w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.04.07-AM-600x489.png 600w\" sizes=\"(max-width: 1816px) 100vw, 1816px\" \/><figcaption id=\"caption-attachment-21862\" class=\"wp-caption-text\">The first and lowest tier of Crypto.com<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">This is significantly under the industry average. Frankly, <\/span><b>if you don\u2019t plan on owning and locking up CRO, <\/b><span style=\"font-weight: 400;\">Crypto.com isn\u2019t worth it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You\u2019d get 6% on stablecoins like CRO and a measly 1.5% on Bitcoin. Competitors <\/span><a href=\"https:\/\/blockfi.mxuy67.net\/XxKOK3\"><span style=\"font-weight: 400;\">BlockFi<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/celsiusnetwork.app.link\/146441980b\"><span style=\"font-weight: 400;\">Celsius<\/span><\/a><span style=\"font-weight: 400;\"> offer higher rates and have much better onboarding experiences.\u00a0<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><b>\u2705$1,000 or less of CRO staked with a three-month lock-up gets 10% on stablecoins and 4.5% on BTC.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/span><\/p>\n<figure id=\"attachment_21863\" aria-describedby=\"caption-attachment-21863\" style=\"width: 1768px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-21863\" src=\"https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.05.11-AM.png\" alt=\"Crypto Earn with a 3 month lockup\" width=\"1768\" height=\"1440\" srcset=\"https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.05.11-AM.png 1768w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.05.11-AM-591x481.png 591w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.05.11-AM-621x506.png 621w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.05.11-AM-300x244.png 300w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.05.11-AM-553x450.png 553w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.05.11-AM-768x626.png 768w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.05.11-AM-1536x1251.png 1536w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.05.11-AM-600x489.png 600w\" sizes=\"(max-width: 1768px) 100vw, 1768px\" \/><figcaption id=\"caption-attachment-21863\" class=\"wp-caption-text\">Crypto Earn with a 3-month lockup, minimal CRO<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">This is on par with the industry average.\u00a0<\/span><\/p>\n<p><b>If you\u2019re ok with holding CRO, <\/b><span style=\"font-weight: 400;\">Crypto Earn may be worth it.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The real CRO holding perks start at 4,000 CRO\u2013 which is about $500 to $1000 depending on recent token prices.\u00a0<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><b>\u2705 <\/b><span style=\"font-weight: 400;\">\u26a0\ufe0f A minimum of $<\/span><b>4,000 of CRO locked up for three months gets<\/b> <b>6.5% on supported coins and 12% on stablecoins<\/b><span style=\"font-weight: 400;\">\u2013 interest rates that are a bit more competitive with BlockFi and Celsius.\u00a0<\/span><\/span><\/p>\n<figure id=\"attachment_21864\" aria-describedby=\"caption-attachment-21864\" style=\"width: 1742px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-21864\" src=\"https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.06.33-AM.png\" alt=\"\" width=\"1742\" height=\"1440\" srcset=\"https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.06.33-AM.png 1742w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.06.33-AM-591x489.png 591w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.06.33-AM-621x513.png 621w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.06.33-AM-300x248.png 300w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.06.33-AM-544x450.png 544w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.06.33-AM-768x635.png 768w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.06.33-AM-1536x1270.png 1536w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.06.33-AM-600x496.png 600w\" sizes=\"(max-width: 1742px) 100vw, 1742px\" \/><figcaption id=\"caption-attachment-21864\" class=\"wp-caption-text\">Crypto Earn with a minimum of 4,000 CRO and a 3-month lockup<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">This rate is better than both BlockFi and Celsius. Crypto.com also doesn\u2019t have any quantity limits on the assets (yet), while BlockFi and Celsius reduce earnings after 2-3 BTC.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However,\u00a0 BlockFi or Celsius don\u2019t require you to lock up your assets to earn comparable rates.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This may be a risk worth considering depending on the volume of tokens.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><span style=\"font-weight: 400;\">\u26a0\ufe0f$<\/span><b>40,000 or more of CRO locked up for 3-months bumps the rates up to 8.5% on supported coins like BTC and 14% on stablecoins.\u00a0<\/b><\/span><\/p>\n<figure id=\"attachment_21865\" aria-describedby=\"caption-attachment-21865\" style=\"width: 1822px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-21865\" src=\"https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.07.25-AM.png\" alt=\"Crypto Earn with a minimum of 40,000 CRO and a 3 month lockup\" width=\"1822\" height=\"1434\" srcset=\"https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.07.25-AM.png 1822w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.07.25-AM-591x465.png 591w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.07.25-AM-621x489.png 621w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.07.25-AM-300x236.png 300w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.07.25-AM-572x450.png 572w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.07.25-AM-768x604.png 768w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.07.25-AM-1536x1209.png 1536w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-11.07.25-AM-600x472.png 600w\" sizes=\"(max-width: 1822px) 100vw, 1822px\" \/><figcaption id=\"caption-attachment-21865\" class=\"wp-caption-text\">Crypto Earn with a minimum of 40,000 CRO and a 3-month lockup<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">Power users who hold significant amounts of CRO will have a drastically better perk experience than those who don\u2019t, not considering the volatility of the token.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This rate beats BlockFi and Celsius, but locking up $40,000 in CRO is almost ludicrous\u2013 it may or may not be worth it considering the number of tokens you plan to earn interest on.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This CRO stake would also grant you access to the 3rd tier of Crypto.com Visa cards (3% in CRO rewards, 100% rebate on Spotify and Netflix paid in CRO.) The best Crypto.com card tier is the Obsidian, which requires $400,000 in CRO staked, which boosts CRO APY to 8%.\u00a0<\/span><\/p>\n<figure id=\"attachment_21859\" aria-describedby=\"caption-attachment-21859\" style=\"width: 1842px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-21859\" src=\"https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-10.46.56-AM.png\" alt=\"Crypto.com card tiers\" width=\"1842\" height=\"1532\" srcset=\"https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-10.46.56-AM.png 1842w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-10.46.56-AM-591x492.png 591w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-10.46.56-AM-621x516.png 621w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-10.46.56-AM-300x250.png 300w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-10.46.56-AM-541x450.png 541w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-10.46.56-AM-768x639.png 768w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-10.46.56-AM-1536x1277.png 1536w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-27-at-10.46.56-AM-600x499.png 600w\" sizes=\"(max-width: 1842px) 100vw, 1842px\" \/><figcaption id=\"caption-attachment-21859\" class=\"wp-caption-text\">Crypto.com card tiers, another feature CRO holders can benefit from.<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">While your CRO is staked and locked up for 3 months, i<\/span><b>t also earns 6% on all tiers.\u00a0<\/b><\/p>\n<h3><span style=\"font-weight: 400;\">CRO Token Analysis<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It\u2019s tricky to create a crypto.com review that solely focuses on the Crypto Earn product because the feature is so intertwined with the Crypto.com ecosystem. It\u2019s a cryptocurrency interest account, exchange, Visa card, and the CRO token strategically underpins the entire system.\u00a0<\/span><\/p>\n<p><b>CRO underpins everything.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">CRO, like many other cryptocurrencies, is very volatile and risky.\u00a0<\/span><\/p>\n<p><b>The token will likely undergo rapid spikes and falls in price. <\/b><span style=\"font-weight: 400;\">We purchased 10,000 CRO for the sake of writing this Crypto.com review (August 2020) for about $0.15 and it <\/span><b>fell about 60% <\/b><span style=\"font-weight: 400;\">in the following months\u2013 don\u2019t say we ain\u2019t never did nothin\u2019 for you, dear readers! CRO\u2019s price spiked to about $0.23 in the March 2021 bull run, and then fell back down to $0.10 in the May 2021 crash.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cryptocurrency is a rollercoaster. If you\u2019re interested in <\/span><a href=\"https:\/\/coincentral.com\/top-cryptocurrency-interest-accounts-2021-best-rates-security-and-promos\/\"><span style=\"font-weight: 400;\">using cryptocurrency interest accounts for long-term wealth building<\/span><\/a><span style=\"font-weight: 400;\">, we\u2019d advocate safety and the proper mitigation of risk above all.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This Crypto.com review specifically explores the Crypto Earn product, and as such, <strong>we view the CRO token as more of a liability than an asset to those seeking a (relatively) stable way to earn money on their cryptocurrency.\u00a0<\/strong><\/span><\/p>\n<p><b>The lock-up periods add unnecessary risk. <\/b><span style=\"font-weight: 400;\">If you want to embody the \u201cbe your own bank\u201d ethos of crypto, the thought of keeping your assets on the third-party platform, let alone locking them up, is unsettling.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While Crypto.com grants users higher interest rates when locking up their assets, its rates are only best-in-class at the highest CRO lockup tiers.\u00a0<\/span><\/p>\n<p><b>The value of CRO is incredibly volatile, and frankly, offers dubious value. <\/b><span style=\"font-weight: 400;\">Sure, it can be seen as an investment in the platform and company with plenty of ways to reap the rewards, but what does it <\/span><b><i>actually <\/i><\/b><span style=\"font-weight: 400;\">do? Does it have any value outside of the Crypto.com ecosystem?<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Crypto.com Fund Security<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Crypto.com gets audited by Bureau Veritas and has obtained ISO\/IEC 27001:3013, making it the first cryptocurrency company to earn that certification. Crypto.com has partnered with Ledger for cold storage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s also worth noting that Crypto.com isn\u2019t a U.S.-based company. Regulations in Hong Kong are different, and although Crypto.com takes precautions to protect your funds, holding your cryptocurrency with third parties in jurisdictions you aren\u2019t familiar with poses a risk.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The Pros: Why Crypto.com is a Solid Crypto Interest Account Option<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Crypto.com certainly belongs in the conversation for the top crypto interest account, and although we take issue with its CRO lock-up periods, it has a stark advantage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Crypto.com differentiates itself in its ability to offer interest rates on coins like Binance Coin (BNB) and Polkadot (DOT). Better yet, users can buy BNB directly on the Crypto.com app\u2013 buying BNB can be a hassle if you\u2019re in the U.S.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The rates at the highest tiers make Crypto.com a great option for power users, and holding large amounts of CRO offers some decent perks. Whether or not it&#8217;s worth holding CRO is entirely on you\u2013 this isn\u2019t investment advice.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Crypto.com also doesn\u2019t have limits (yet) on the quantity of a digital asset you can earn interest on without rates dropping.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re looking to create a Crypto.com Crypto Earn Account, the <\/span><a href=\"https:\/\/crypto.com\/app\/fsnn3bu33h\"><span style=\"font-weight: 400;\">following link<\/span><\/a><span style=\"font-weight: 400;\"> will get you $25 USD in CRO locked in your CRO wallet, which can be unlocked by staking. The goal of this incentive is to get users to sign up for the Ruby Visa card, which requires holding and staking $400 of CRO.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Again, hoops galore, and another situation where Crypto.com\u2019s Crypto Earn simply just doesn\u2019t stack up against competitors.\u00a0<\/span><\/p>\n<p><b>BlockFi offers <\/b><a href=\"https:\/\/blockfi.mxuy67.net\/c\/2032455\/889697\/10568\"><b>up to $250 (starting at $25)<\/b><\/a><span style=\"font-weight: 400;\"> in USDC when you open a new BlockFi account with at least $500, with no token holding requirements.\u00a0<\/span><\/p>\n<p><b>Celsius offers <\/b><a href=\"https:\/\/celsiusnetwork.app.link\/146441980b\"><b>$50 in BTC<\/b><span style=\"font-weight: 400;\"> with your first transfer of $400<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The Cons: Why Crypto.com Falls to Its Competitors<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Although Crypto.com\u2019s best rates lead the cryptocurrency interest account space, users need to take on unnecessary steps to get involved and swallow much larger risks. Other platforms don\u2019t.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Celsius recently offered users <\/span><b>11.55% on stablecoins with no lock-up when earning in-kind,<\/b><span style=\"font-weight: 400;\"> or for international users,<\/span><b> 17.26% when earning in CEL with no lock-up.<\/b><\/p>\n<p><b>BlockFi offers 8.6% on stablecoins with no lock-up period.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Considering Crypto.com\u2019s requirements to receive the best rates, the complex web of its ecosystem, and basically forcing its CRO token on everyone on the platform, it\u2019s difficult not to rate the experience significantly worse than its competitors.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The Court of Social Opinion: Crypto.com Reviews on Reddit<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While our experience with Crypto.com has been lukewarm, other users are vocal about vastly different experiences.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Discounting the fact that the most positive and negative reviews are generally due to people shilling the project (it is attached to a token, after all) or outlier negative experiences, there are a few common themes with Crypto.com reviews on Reddit.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The dedicated subreddit <\/span><a href=\"https:\/\/www.reddit.com\/r\/Crypto_com\/\"><span style=\"font-weight: 400;\">R\/Crypto_com<\/span><\/a><span style=\"font-weight: 400;\"> has nearly 70,000 members and a few dozen posts per day. It\u2019s mostly stuff like people requesting coins being added or bragging about upgrading card tiers. Each post must be approved by a moderator to be posted, so it\u2019s worth taking the fanfare with a grain of salt. There are Crypto.com moderators interacting with users and answering questions within minutes or hours of the initial post.\u00a0<\/span><\/p>\n<figure id=\"attachment_21861\" aria-describedby=\"caption-attachment-21861\" style=\"width: 1490px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-21861\" src=\"https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-26-at-1.23.15-PM.png\" alt=\"Reddit post discussing crypto.com's platform.\" width=\"1490\" height=\"922\" srcset=\"https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-26-at-1.23.15-PM.png 1490w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-26-at-1.23.15-PM-591x366.png 591w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-26-at-1.23.15-PM-621x384.png 621w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-26-at-1.23.15-PM-300x186.png 300w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-26-at-1.23.15-PM-727x450.png 727w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-26-at-1.23.15-PM-768x475.png 768w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-26-at-1.23.15-PM-600x371.png 600w\" sizes=\"(max-width: 1490px) 100vw, 1490px\" \/><figcaption id=\"caption-attachment-21861\" class=\"wp-caption-text\">Reddit post discussing crypto.com&#8217;s platform.<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/www.reddit.com\/r\/CryptoCurrency\/comments\/mjrtv6\/i_feel_like_cryptocom_doesnt_get_nearly_enough\/\"><span style=\"font-weight: 400;\">Reddit thread<\/span><\/a><span style=\"font-weight: 400;\"> by u\/gdj11 does a fair job at capturing the general community sentiments of Crypto.com<\/span><\/p>\n<figure id=\"attachment_21860\" aria-describedby=\"caption-attachment-21860\" style=\"width: 1300px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-21860\" src=\"https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-26-at-1.23.50-PM.png\" alt=\"Crypto.com Reddit pros and cons\" width=\"1300\" height=\"1350\" srcset=\"https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-26-at-1.23.50-PM.png 1300w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-26-at-1.23.50-PM-591x614.png 591w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-26-at-1.23.50-PM-621x645.png 621w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-26-at-1.23.50-PM-289x300.png 289w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-26-at-1.23.50-PM-433x450.png 433w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-26-at-1.23.50-PM-768x798.png 768w, https:\/\/coincentral.com\/wp-content\/uploads\/2021\/05\/Screen-Shot-2021-05-26-at-1.23.50-PM-600x623.png 600w\" sizes=\"(max-width: 1300px) 100vw, 1300px\" \/><figcaption id=\"caption-attachment-21860\" class=\"wp-caption-text\">Crypto.com Reddit pros and cons<\/figcaption><\/figure>\n<p>Is crypto.com a scam? Probably not, the company has established itself as a legitimate provider of crypto interest account and other cryptocurrency-related services.\u00a0<\/p>\n<h2><span style=\"font-weight: 400;\">Final Thoughts: Is Crypto.com Worth It?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While Crypto.com appears to be something big in motion, the Crypto Earn experience leaves much to be desired, at least to those unwilling to hold large amounts of CRO.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Crypto.com ecosystem does have some benefits that shouldn\u2019t be overlooked. The exchange is convenient and the Visa cards have some utility. The company has been around since 2016, and longevity in this nascent industry is increasingly a rarity.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Crypto Earn feature may be worth it to power users, especially for the juiced-up APYs. However, holding $5,000 to $10,000 of CRO just to get an additional 2% to 4% APY may seem boneheaded in retrospect if the token price plummets, as it has in the past. To be fair, you likely won\u2019t be complaining if the token price doubles, as it previously has as well.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Crypto.com can also be good for differentiating your cryptocurrency interest account platforms.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Regardless, you can snag <\/span><a href=\"https:\/\/crypto.com\/app\/fsnn3bu33h\"><span style=\"font-weight: 400;\">$25 USD in CRO<\/span><\/a><span style=\"font-weight: 400;\"> by signing up for Crypto.com.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you&#8217;re <strong>just dipping your toes into cryptocurrency interest accounts<\/strong>, in our humble opinion, <\/span><b>Crypto.com\u2019s Crypto Earn is a pass<\/b><span style=\"font-weight: 400;\">\u2013 you\u2019d be better off with <\/span><a href=\"https:\/\/coincentral.com\/blockfi-vs-celsius-network-whats-the-better-crypto-interest-account\/\"><span style=\"font-weight: 400;\">BlockFi or Celsius<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Their rates blow Crypto.com\u2019s introductory rates out of the water and compete with it at its highest tiers, without the complications and risk.\u00a0<\/span><\/p>\n<hr \/>\n<p><i><span style=\"font-weight: 400;\">Did you enjoy this Crypto.com review?\u00a0<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">If so, that means a lot\u2013 you may also like other reviews in our <\/span><\/i><a href=\"https:\/\/coincentral.com\/top-cryptocurrency-interest-accounts-2021-best-rates-security-and-promos\/\"><i><span style=\"font-weight: 400;\">cryptocurrency interest account<\/span><\/i><\/a><i><span style=\"font-weight: 400;\"> series.\u00a0\u00a0<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">If not, or if your experience with Crypto.com has been drastically different than ours, please let us know how we can improve at support@CoinCentral.com<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Crypto.com is often viewed as a pioneer for its cryptocurrency interest account and overarching ecosystem. Since its launch in 2016, Crypto.com has grown to offer a wide variety of services, such as: Crypto Earn: A cryptocurrency interest account product.\u00a0 Crypto Credit: An instant cryptocurrency loan product.\u00a0 MCO Visa Card: a Visa debit card that allows<\/p>\n","protected":false},"author":5,"featured_media":21866,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"iawp_total_views":96,"footnotes":""},"categories":[5712,5713],"tags":[5741,27297,27620,27896,27891,27921],"class_list":{"0":"post-21858","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-guides","8":"category-reviews","9":"tag-bitcoin","10":"tag-blockfi","11":"tag-celsius","12":"tag-crypto-com","13":"tag-cryptocurrency-interest-account","14":"tag-stablecoins"},"wppr_data":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Crypto.com Review: Is the Crypto Earn Interest Account Legit, Safe, and Worth It?<\/title>\n<meta name=\"description\" content=\"Crypto.com&#039;s crypto interest account is a top choice for one of the best platforms out there, but there&#039;s a catch... 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