Crypto.com Review 2026: App, exchange and custody

Crypto.com is a centralized crypto platform with an app for buying, selling and holding digital assets, plus a separate exchange aimed at more experienced traders. Its homepage lists more than 400 cryptocurrencies and support for EUR. The broader product lineup includes baskets, Earn and staking, a Visa prepaid card and merchant payment services.

The separate Onchain Wallet is designed for self-custody, with users controlling their private keys and accessing DeFi applications across multiple chains. Crypto.com also operates Cronos, which it describes as an EVM-compatible Layer 1 network.

Crypto.com says it is authorized as a Crypto-Asset Service Provider, Electronic Money Institution and Investment Firm. It states that Earn and staking, and the Onchain Wallet, are not regulated under MiCA as implemented in Malta. A full trading fee schedule and detailed custody information are not published on the homepage.

The Crypto.com App is a centralized service: users create an account, complete identity checks and can fund it to buy, sell or hold supported crypto. Crypto.com operates the account and custody for assets held in the app. The Crypto.com Exchange is presented as a separate trading option with more advanced order types and tools.

Other services include crypto baskets, Earn and staking products, and a Visa prepaid card. The Onchain Wallet is a separate self-custody product: users control their private keys and can connect to DeFi applications. This means the app and wallet differ in who controls access to assets, and each product has its own terms and risks.

Crypto.com advertises zero-fee EUR deposits and near-zero fees for some credit- or debit-card purchases. The homepage does not publish a complete schedule of trading fees or typical spreads, and it warns that other fees and spreads may apply. Check the cost shown for each transaction before confirming.

The Level Up subscription is advertised from $6.99 per month. Subscription terms and any other service charges should be checked in the app or the relevant product terms.

Crypto.com’s app and exchange are custodial, so assets held there depend on the company’s account security, custody and withdrawal processes. The homepage advertises an Account Protection Programme of up to US$250,000 against unauthorized transactions, but does not explain its full eligibility conditions or exclusions. The Onchain Wallet is a separate self-custody product, which puts responsibility for private keys on the user.

Crypto.com lists security and licensing information on its site, but the homepage does not identify a specific smart-contract audit or provide detailed custody arrangements. It says Earn and staking are not regulated under MiCA as implemented in Malta, and makes the same statement about the Onchain Wallet. Crypto assets and staking can lose value; review the terms and local rules for each product.

Crypto.com may suit newcomers looking for an app to buy and hold a range of cryptocurrencies, as well as experienced traders who want access to a separate exchange. Users seeking control of their private keys should consider the separate Onchain Wallet and understand that it carries different responsibilities and regulatory treatment.