What is Crypto .com? Crypto .com Review

Crypto.com is a complete ecosystem for cryptocurrencies ready for mainstream adoption. They are offering all the common financial solutions you can be looking for including an exchange, an app, VISA card, earn and credit (lend and borrow), investment products and payment solutions. Also, they have merchant solutions and invoices.


On top of that, they offer VISA card with up to 5% cashback, free Netflix and Spotify, free airport lounge. Also, their earn product deliver up to 18% APY. Further, the investment product gives you the opportunity


What else can you ask for? or Is it too good to be true?


Let’s break all these applications and offers down, one-by-one.

crypto.com exchange logo
  • Get $50 FREE*
  • Up to 5% Cashback on VISA
  • FREE Netflix and Spotify
  • FREE airport lounge access
  • Up to 20% passive income

Code: mcmk7qgbhh

What is the Crypto.com long-term goals?

The Crypto.com app consists of two native cryptocurrencies, MCO and CRO. They are used to provide great discount and bonuses. Crypto.com have four different phases to go through to meet their long-term goals, according to the team.


  1. Let merchants integrate with Crypto.com Pay APO seamlessly.
  2. Let new cryptocurrency project adopt to the Crypto.com ecosystem.
  3. launch of the mainnet and bring on-chain transaction settlement. 
  4. Introduce entities that can replace Crypto.com settlement agents.

What is the background of the Crypto.com Team?

The team consists of Kris Marszalek, Gary Or, Bobby Bao, and Rafael Melo. This team started the MCO ICO in 2016 and the same team remain even after the rebranding in 2018 to Crypto.com.

Kris Marszalek is the CEO, Gary or is the CTO (cheif technology officer), Rafael Melo is the CFO and Bobby Bao is the Head of Corporate Development.

Kris Marssalek has been CEO at Ensogo, COO at iBuy Group Limited, CEO at BeeCrazy and CEO at YiYi Hongkong Limited. This is track record gives Kris the necessary experience needed to run a company like Crypto.com.

Bobby Bao has been the head of Corporate Development at Ensogo before joinig  Crypto.com

Rafael Melo has long experience from finance, deep understanding of risk, compliance and Mobile Payments ecosystem in Asia. He was CFO at Ensogo and led the fundraising process there securing strategic investment from VIPSHOP (NYSE:VIPS) and raising over A$50m from blue chip institutions like Fidelity, Goldman Sachs and BlackRock.

What is CRO cryptocurrency by Crypto.com?

Crypto.com Chain is yet another project launched by the Hong Kong-based payment and cryptocurrency platform company Crypto.com (also known as “CRO Protocol Labs”). The Chain has its own Crypto.com Chain (CRO) Token which is supposed to allow the users to make cryptocurrency payments to as many globally available merchants as possible.


This is to be done by making the CRO an intermediary currency which will allow for the conversion of cryptocurrencies to their fiat counterparts at much reduced cost. By this, the Crypto.com team hopes to combine the token’s global ambition with the adoption support inspired by real-life use cases.


The CRO token function to pay transaction fees, convert assets and create new nodes. Its an intermediary token tasked with supporting cross-asset settlement and improving interoperability between cryptocurrencies and fiat-based payments. With the CRO token you can get 20% – 100% trading fee rebate when you pay fees in CRO.

crypto.com exchange logo
  • Get $50 FREE*
  • Up to 5% Cashback on VISA
  • FREE Netflix and Spotify
  • FREE airport lounge access
  • Up to 20% passive income

Code: mcmk7qgbhh

What is the MCO cryptocurrency of the Crypto.com?

Crypto.com was created from a project that was initially named Monaco with its native token MCO. Monaco was created in 2016 by a group Hong KOng cryptocurrency specialists with the main goal  to make cryptocurrency a massive and convenient means of payment. The ICO crowdsale for MCO tokens lasted from May 18 through June 18, 2017. The event managed to raise about USD 26,700,000 worth of ETH, with 9,476,400 MCO tokens being sold on the same occasion.

MCO and CRO - Why does Crypto.com has 2 tokens?

MCO is centered on the MCO Visa cards, the most widespread Crypto cards in the world. In order for someone to acquire a metal MCO Visa card and receive all its benefits, such as cashback up to 5% in MCO and free Netflix, Spotify and Amazon Prime accounts, they will need to Stake MCO for at least 6 months. In order to continue receiving the rewards, the MCO needs to remain Staked. As such, MCO offers utility for acquiring MCO Visa cards and receiving their lucrative benefits. All this contributes to decreasing the circulating supply of MCO, which in theory can provide positive price development. 

CRO is intended as a token to be used for fast, seamless and secure payments between Cryptocurrency users and merchants. It is designed to accelerate the transition to Cryptocurrency adoption by making it easy and accessible for merchants to use it as a payment method, and Crypto.com offers the option to have payments settled in fiat for a merchant, even if the user had paid via Crypto.

What is Crypto.com MCO Visa Card?

Anyone in the USA (49 states), the EU, or Singapore can use the MCO Visa card to spend cryptos at millions of locations globally.


When you make a purchase with your MCO Visa Card, the cashback you earn will always be allocated to you in the form of MCO Tokens. These tokens don’t just come out of thin air however. They are purchased off of several exchanges using Crypto.com’s slick trading algorithm, and deposited into your MCO Wallet.

crypto.com exchange logo
  • Get $50 FREE*
  • Up to 5% Cashback on VISA
  • FREE Netflix and Spotify
  • FREE airport lounge access
  • Up to 20% passive income

Code: mcmk7qgbhh

What is Crypto.com Exchange?

Crypto.com launched a new feature in 2019, their online cryptocurrency exchange. It offers

Liquidity: Crypto.com uses Vortex Liquidity System which gives their users access to a competitive execution rates.

Trading Fees: You trading fee is dependant on your last 30 days trading volume and your CRO staking level.

Custody and safety management: Crypto.com have ISO Certification 27001:2013, level 1 PCI DSS and CCSS (Level 3) Ledger Vault enforcement and collaboration

Features: Exchange, Markets, Stake and Earn, The syndicate, Trading Arena

What is Crypto.com Earn?

Crypto.com allows its users to deposit their crypto into interest account. The different terms are divided into flexible terms, 1 month or 3 month term. Your crypto assets will be locked during the time and you will receive more interest if you lock your crypto holdings for a longer time.

Earn up to 8% on cryptocurrencies, 12% on stablecoins and 18% on their native token CRO.

What is the Crypto.com App?

The app is the main product and the exchange was launched later with more limited features?


As you can see in the app screenshot the available features are wallet, fiat wallet, card, credit, earn rewards, track and pay.

What is the Crypto.com Credit?

Via the Credit feature in Crypto.com app you can monetize your crypto without selling it. There is no fixed repayment schedule and no monthly late fees or deadlines. You can choose to repay any amount, at any time during the 12 months upon start of the credit term. Remember to check the interest rates every time you intend to spend money you don’t own.

What is the Crypto.com Invest?

Crypto.com Invest is a feature where you can invest your BTC into quantitative trading. You deposit in BTC and Crypto.com will exchange your BTC into other coins and tokens, depending on the investment portfolio/your risk profile. You can see the portfolio breakdown of the crypto allocations, under holdings.


You can also track the performance of your portfolio on the graph at the top of the screen, which shows you performance breakdown (All time, one day, one week and one month). The history of your deposits and withdrawals is located at the bottom of the screen.

Crypto.com Private members except citizens and residents of Hong Kong SAR, , Singapore, Switzerland or the United States of America can take part in Crypto Invest.


Three different risk categories (Currently, you cannot change your risk profile once set)

  • Low Risk
  • Medium Risk
  • High Risk


Deposit the BTC amount

  • Minimum required $10.000
  • Maximum allowed amount $50.000


Crypto.com make money only when you do with the Crypto Invest feature.

There are no entry, exit or management fees. There is a 9% fee on the profits that you make

What is the Crypto.com Pay?

The Crypto.com Pay feature allows customers to checkout and pay for goods and services via the Crypto.com wallet app. You can pay with cryptocurrencies directly at the online store.

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