Quick Facts: 

• Buy 55+ coins without any fee/markup

• Get 5% cashback on VISA cards

• Upto 8% interest received on crypto deposits

• MCO token staking benefits on Netflix, Spotify, Airbnb etc.

• Airdrop and referral program to earn instant cash



Sign up to Crypto .com and use the referral code 7nj57xub98 to earn $50 instantly (conditions apply).

Adoption of cryptocurrency in the mainstream financial markets has always been a point of interest for the world. Beyond the abrupt rising and falling of cryptocurrency curves, the world wants a bite of the decentralization this technology offers. Like clockwork, the tech industry has responded with a product to satisfy this query.

Crypto.com is a pioneer application that allows users to buy or trade cryptocurrency, securely and easily almost instantly. Founded in the year 2016 in Hong Kong, the application, originally named Monaco, aimed to accelerate the transition from fiat to cryptocurrency. In Jul 2018, Monaco bought the crypto.com domain name for a staggering $12 million. Since then, Crypto.com has been installed by over 100,000+ users on Google Play and arguably as many times on AppStore.

Crypto.com offers a dedicated wallet to its users, who can send and receive fiat and cryptocurrencies, instantly and free of charge. The app supports 32 cryptocurrencies and allows conversion of crypto to fiat for 7 currencies, namely USD, EUR, GBP, SGD, HKD, JPY and AUD. Customers who want to use an external wallet will have to pay a minimal fee to withdraw currencies. The wallet also lets you track more than 200 different cryptocurrencies including prices, market capitalization and percentage change so that you can make an informed decision every time you trade.

Buying Cryptocurrency
Customers can buy cryptocurrency directly from the application through one of these five ways:

Credit/Debit Card: With a charge of USD0.1 to verify your card, you can buy any of the 32 cryptocurrencies available.
USD Bank Transfers: For eligible US consumers, bank transfer via ACH is an inexpensive way to buy cryptocurrencies. Simply add your residential address, SSN and the wallet will now accept USD transfers from bank accounts matching your name.
EUR Bank Transfers: For customers who have SEPA bank accounts, IBAN can be used for EUR deposits. After setting up, Crypto.com will accept EUR transfers from bank accounts in your name.
Transferwise and PayPal: Customers can also transfer funds into their wallets using these electronic payment platforms. They use EUR IBAN facility (for SEPA) and the USD ACH (for USA).

Keep in mind that once in the wallet, the funds cannot be transferred outside the wallet. They can only be used to buy cryptocurrency or to top up your MCO cards.


CRO and MCO are two tokens Crypto.com relies on for effective transactions. CRO is the native Crypto.com chain token that enables cross-asset intermediary currency settlement. For instance, if the customer pays with BTC and the merchant demands ETH, CRO will be used to enable the exchange. All network participants writing transactions on the Crypto.com chain will have to use CRO Token to settle block transaction fees while all participating nodes in the Crypto.com chain will be rewarded in CRO for processing and validating transactions on the network. CRO is available on 18 different exchanges globally. By buying gift cards via the app, customers can cash back as much as 10% of the CRO spent.

Pay Rewards on Crypto.com
Source: Crypto.com

MCO, or Monaco, is the app’s native ERC-20 utility token. MCO cannot be mined but issued in response to deposits in the Crypto.com wallet. In May 2017, Crypto.com made $26.7 millions in one single round of Initial Coin Offering (ICO). The ICO was held for 30% of their MCO token supply. MCO is listed on 18 exchanges that include Binance, Bithumb and, Bittrex.

‘Stake’ or ‘staking’ is the holding of MCO in your wallet for a period of 6 months. The app offers a lock-unlock option for MCO tokens present in the wallet. MCO tokens that have been ‘locked’ for a period of 6 months, open a bundle of benefits for the users. This includes higher interest returns on your cryptoassets, reduced credit fees by up to 20% and a 50% discount on all fees for the Crypto.com investment products.

Visa Card
Crypto.com offers beautifully crafted MCO Visa approved pre-paid cards for customers that enables spending of their cryptocurrency in the online and offline world at more than 50 million merchants. The Wallet App also enables customers to manage their MCO Visa Card. To get access to the VISA, except Midnight blue card, a customer has to stake MCO tokens for 6 months. The cards come in 5 different tiers:

Midnight Blue
Midnight Blue is an entry-level prepaid VISA debit card that doesn’t require MCO staking. It offers 1% cashback on purchases, free monthly withdrawals up to $200 or exchange up to $2000 using Perfect Interbank for free. After this, you’ll pay 2% ATM withdrawal fees and 0.5% Perfect Interbank conversion fees.

Ruby Steel
With 50 MCO staked, you can unlock the first composite metal MCO Visa, which is a prepaid debit card with 2% cashback, limits doubled to $400 and $4000 and a free Spotify account.

Jade Green/Royal Indigo
With 500 MCO staked, you unlock these beautifully crafted metal cards. With these, your cashback reward increases to 3%, withdrawal and exchange limits increased to $800 and $10,000, respectively, and free Spotify and Netflix accounts.

Icy White
Staking 5000 MCO, the Icy White Card is unlocked. The cashback reward on this card increases to 4%, it comes with $1,000 withdrawal allowance and $15,000 in currency exchange without fees per month, free Spotify and Netflix accounts, airport lounge access with a guest and 10% cashback from Expedia.

Obsidian Black
For a whooping 50,000 MCO stake, you qualify you for the top-tier black card, with 5% cashback on every purchase, free withdrawals up to $1000 per month, unlimited Perfect Interbank exchanges, free Spotify and Netflix, airport lounge access with a guest and 10% cashback from Expedia and AirBnB.

Crypto.com Visa Cards
Source: Crypto.com

As a precaution, you are able to block your MCO Card instantly from the app. There are daily velocity limits on number of transactions and volumes. Suspicious activity like online purchase higher than customer’s average ticket size at a new merchant is monitored by the processing platform, resulting in declined transactions. Cardholders will also be able to file a chargeback just like you would with your credit card.

MCO Obsidian Black and Icy White Visa Platinum Card holders can also enjoy the services of MCO Private, a crypto concierge dedicated to premium customers which will allow card holders to receive:
– Advice on digital asset custody services so that they can make informed and secure decisions.
– Assistance with Over-the-Counter (OTC) transactions.
– Exclusive access and invitations to industry events that host market leaders.
– Preferential allocation terms for competitive investment opportunities.
– Dedicated customer support via phone.

Earn using Crypto.com
Customers can deposit their preferred crypto into Crypto Earn to start accruing interest daily. There are 2 fixed holding options, a 3-month term and a 1-month term, as well as a flexible holding term. For a 3-month period, Crypto.com returns 16% on CRO, 10% on supported stablecoins and 6% on supported coins. For 1-month, the return rates are 14% on CRO, 8% on supported stablecoins and 4% on supported coins. The flexible holding term is on 12%, 6% and 2% respectively.

If the customer has at least 500 MCO coins staked, the interest rises substantially. For a 3-month period, the rate changes from 16%, 10% and 6% to 18%, 12% and 8% for CRO, supported stablecoins and supported coins, respectively. Similarly, for 1-month and flexible cash-out, the interest rate increases by 2% for all 3 categories.

Crypto.com also allows users with 500, 5,000 or 50,000 MCO staked for cards to auto-earn 6%, 8% and 8% per annum, respectively, while they keep their tokens staked.

The supported coins in Crypto Earn are BTC, ETH, LTC, XRP, MCO, BNB, BAT, LNK, MKR and DAI. The supported stablecoins are TUSD PAX, USDT and USDC. The maximum investment limit is USD $1,000,000 and more than one deposit can be made to avail different terms. The minimum amount in cryptocurrencies to avail this program is as shown in figure. (Source: crypto.com)

Minimum Deposit Crypto.com

In the four stablecoins category, PAX, TUSD, USDC are not available for Singapore users and USDT is not available for US and Singapore users. With the exception of customers from Hong Kong SAR, Switzerland and Malta, everyone can use Crypto Earn. The company plans to introduce the program in these countries soon.

Investing With Crypto.com

Crypto.com offers options to invest in cryptocurrency. With three modes, namely Low Risk, Medium Risk and High Risk to choose from, you can hold the reign to your financials. The minimum requirement for investment is $20, and the maximum, $50,000. The deposit is made in BTC which is then converted into other cryptocurrencies depending on the selection of your mode. The allocations and holdings remain visible to the customer at all the times so that you can track the performance of your investment.

You can withdraw at any time after investing. Keep in mind that the withdrawal amount might have some discrepancy owing to the fluctuation in monetary value of cryptocurrencies during processing the withdrawal.

Crypto.com charges only when you make money. If you have MCO staked then Invest’s fees is 9% of what you make and if you do not have MCO staked, the value goes up to 18%. The fee is received daily at 00:00 UTC.

Earning tokens

Crypto.com has quite a few ways to let you earn MCO tokens. Customers holding MCO are eligible for receiving token airdrops for selected token listings, which will be proportional to the MCO staked in-app. 10% of CRO ever created is set aside as airdrop to consumers who hold MCO. Another way of earning tokens is the referral program called BG50 (“Both Get $50”). This program lets you earn 50$ for each sign up and successful transaction that your friends make. There are no referral limits and you can get instant 50$ (in MCO) for as many people as you want.

Sign up to Crypto .com and use the referral code 7nj57xub98 to earn $50 instantly (conditions apply).

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