Crypto.com

Crypto.com is custodial. Coins you buy in the App or hold on the Exchange sit in wallets the company controls, so safety comes down to three things: its security record, the regulators who supervise it where you live, and what happens to your balance if the company fails.

Security record. The one large breach was on 17 January 2022. Attackers got around two-factor authentication and withdrew 4,836 ETH, 443.93 BTC and smaller amounts from 483 accounts, about $33.8 million in total. Crypto.com paused withdrawals for roughly 14 hours, reset every user's 2FA, and said that no customer lost funds. Most withdrawals were blocked and the rest were reimbursed. That statement came from the company, and we found no outside audit of the payouts. In September 2025 Bloomberg reported an earlier data breach linked to the Scattered Spider group that had not been disclosed publicly. Crypto.com called the report unfounded.

Regulators. The licence list has grown quickly. Crypto.com has an EU MiCA licence (January 2025), CFTC licences for margined derivatives (September 2025), and conditional approval from the US Office of the Comptroller of the Currency to form a national trust bank (February 2026). Its US custody company reports SOC 1 Type II and SOC 2 Type II compliance. The trust charter was conditional as of our check date, so it does not yet protect US retail balances.

If Crypto.com becomes insolvent. This is the question people actually search for. The answer depends on the terms of the entity you signed up with, and specifically on whether they treat your crypto as held for you or as a debt the company owes you. Read the custody clause in your region's terms before holding a large balance. No regulator, including the OCC, has protected crypto balances the way deposit insurance protects bank deposits.

The Crypto.com Exchange uses maker/taker tiers based on 30-day spot volume. Holding a CRO balance on the Exchange takes 3% off at every level. That is a small discount for tying up money in a volatile token.

A 0.50% taker fee at the entry level is high next to the largest offshore venues. Rates update daily at 04:00 UTC. Withdrawal fees are listed per asset and network on the same fees and limits page and change often.

The card is priced through Level Up, Crypto.com's membership programme. In the US, the free Basic tier pays 1.5% back in CRO or BTC on the first $250 of monthly spending and 1% after that. Plus costs $4.99 a month, $49.90 a year, or $500 of CRO staked for 12 months, and pays 3.5% on the first $500 of monthly spending. Pro and Private tiers go up to 6% and add airport lounge access. The subscription option is new: the old card programme required a CRO stake and nothing else. Detail and our scoring are on the card review.

Crypto.com started in Hong Kong in June 2016 as Monaco, a crypto card startup. In 2018 it bought the crypto.com domain from cryptographer Matt Blaze and renamed itself. Kris Marszalek, one of four co-founders, has been CEO throughout. The group is headquartered in Singapore, and the Foris DAX companies run the main business.

• Products: the retail App, the Exchange for active traders, Visa cards (prepaid, plus a credit card in the US), staking, the Cronos blockchain, and since 2025–26 prediction markets, tokenized stocks in the EEA and IRAs in the US.
• Marketing: a 20-year, $700 million naming deal for the Los Angeles arena (2021), Formula One, the 2022 FIFA World Cup and the UEFA Champions League.
• Politics: a 2025 tie-up with Trump Media, which bought CRO and planned a CRO treasury and ETF, was scaled back to a marketing agreement in August 2026.

CRO is the ecosystem token and the gas token of Cronos. In 2021 Crypto.com burned 70 billion CRO. In March 2025 a Cronos governance vote approved reissuing the same amount into a strategic reserve wallet with multi-year vesting, taking supply back to the original 100 billion cap. The vote passed with 62.1% in favour only after 3.35 billion CRO arrived in the final hours and pushed turnout past quorum. Independent validators had mostly opposed it. That episode is why CRO-priced card tiers deserve some scepticism. Supply and price data: CRO market page.

No. As of September 2026 Crypto.com is private, and there are no shares you can buy on a public market. Its first outside institutional round came in July 2026, when Citadel Securities invested $400 million at a $20 billion valuation. The company called it the first institutional funding round in its ten-year history.

The traded asset connected to the company is CRO, a token rather than equity. It gives you no claim on the company's profits and no vote on its management. The 2025 reissue showed that the company can influence the token's supply, even though it does not formally set it.