Crypto.com Earn review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Crypto.com Earn suits holders who want idle coins working inside one custodial app, with flexible or fixed terms and liquid staking on the side. Yields run 0.25% to 12% across a long asset list, and the operator is licensed in Malta as MiCA CASP 2549005CVR5HH70FDO07.
Key facts
- Best for
- Idle coins earning flexible or fixed yield inside one custodial app.
- Yield
- 0.25% to 12%↗
- Supported assets
- BTC, ETH, DAI, USDP, ALGO, AVAX, BNB, ADA, ATOM, EGLD, ONE, NEAR, DOT, POL, SOL, VET, ZIL, INJ, TIA, APT, KSM, KAVA, SEI, SUI, XTZ, MINA, FLIP, OSMO, GRT, AKT, ZETA, DYDX, FET, TON, AXL, BARA, LION, S, FLR, TAO, USDC, USDT↗
- Lock-up terms
- Flexible, 1-month or 3-month fixed terms; Flash Rewards 7-day or 14-day lockups↗
- Custody
- Custodial↗
- Legal entity
- Foris DAX MT Limited↗
- Headquarters
- Malta↗
- Founded
- 2019↗
- Support channels
- Email, Chat, Help-centre, Community↗
- Features
- Liquid staking
- Official website
- crypto.com
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Broad asset list, from BTC and ETH through stablecoins to smaller tokens: BTC, ETH and DAI
- Yields run 0.25% to 12% on flexible balances or a fixed term
- Liquid staking sits alongside the simpler earn products: liquid staking
Cons
- Custody is custodial, so the operator holds the keys and a restricted account means no access to the coins
- Support runs on email, chat and help centre only, with no phone line among the channels
- The 0.25% to 12% range tops out below 0.5% to 19.2% at Bit2Me
Who it suits
- Holders already keeping coins on a custodial exchange who want them earning without moving them
- Savers able to leave funds in a fixed term for its full length
- People who want liquid staking in the same app as plain earn
Who should look elsewhere
- Bit2Me, whose yields run 0.5% to 19.2% and reach higher at the top end
- VaultLeap, if you only want USDC in scope: USDC
- bunq Crypto Spain, which quotes one rate of 8.25% instead of a range
How your money is protected
Crypto.com Earn is custodial: custodial means the coins stay with the operator rather than in a wallet you control, so access depends on your account being in good standing. The Malta entity is listed as a MiCA crypto-asset service provider, MiCA CASP 2549005CVR5HH70FDO07, under the Malta Financial Services Authority. That is a registration on the EU register, not a statement about how coins are compensated if the firm stops trading.
The company behind it
Behind the app sits Foris DAX MT Limited, registered in Malta and operating since 2019. The Malta business appears on the EU crypto-asset register under the Malta Financial Services Authority as MiCA CASP 2549005CVR5HH70FDO07, and the licence list also names regulators in the UK, Singapore, Hong Kong, Canada and Australia. Help when you need it runs on email, chat and help centre.
How Crypto.com Earn compares
- 8.9 vs 9.3
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8.9 vs 9.7
8.9 vs 9.6
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 8.2
8.9 vs 8.2
8.9 vs 9.7
8.9 vs 9.4
8.9 vs 9.3
8.9 vs 9.0
8.9 vs 8.7
8.9 vs 8.6
8.9 vs 8.5
8.9 vs 8.5
Where Crypto.com Earn is available
- Available
- Everywhere except Andorra, Afghanistan, Australia, Bangladesh, Burkina Faso, Burundi, Benin, Bolivia, Botswana, Belarus, Democratic Republic of the Congo, Central African Republic, Congo, Switzerland, Cook Islands, China, Cuba, Djibouti, Dominica, Algeria, Western Sahara, Eritrea, Ethiopia, Micronesia, Gabon, Gambia, Guinea, Equatorial Guinea, Guinea-Bissau, Guyana, Hong Kong, Haiti, Indonesia, Iraq, Iran, Kyrgyzstan, Kiribati, Comoros, North Korea, Lebanon, Lesotho, Libya, Marshall Islands, Mali, Myanmar, Macao, Montserrat, Malawi, Mozambique, Namibia, Nicaragua, Nepal, Nauru, Palestine, Palau, Russia, Sudan, Saint Helena, Ascension and Tristan da Cunha, Sierra Leone, Somalia, Suriname, Syria, Eswatini, Chad, Togo, Tajikistan, Tonga, Tuvalu, Tanzania, Venezuela, Wallis and Futuna, Samoa, Yemen, Mayotte, Zimbabwe
- Licence in Malta
- Malta Financial Services Authority, checked September 26, 2026
- Licence in United Kingdom
- Financial Conduct Authority, checked September 26, 2026
- Licence in South Korea
- Securities and Exchange Commission, checked September 26, 2026
- Licence in Hong Kong
- Securities and Futures Commission, checked September 26, 2026
- Licence in Singapore
- Monetary Authority of Singapore, checked September 26, 2026
- Licence in Canada
- FINTRAC, checked September 26, 2026
- Licence in United Arab Emirates
- ABGM (ADGM Financial Services Regulatory Authority), checked September 26, 2026
- Licence in Bahrain
- Bahrain Central Bank of Bahrain, checked September 26, 2026
- Licence in Mauritius
- Mauritius Financial Services Commission, checked September 26, 2026
- Licence in Brazil
- COAF (Financial Action Task Force, Brazil), checked September 26, 2026
- Licence in Cayman Islands
- Securities and Exchange Commission (Cayman Islands), checked September 26, 2026
- Licence in Australia
- Australian Securities and Investments Commission, checked September 26, 2026
- Licence in United Arab Emirates
- Financial Conduct Authority, checked September 26, 2026
- Licence in Malta
- Malta Financial Services Authority (MFSA) (MiCA CASP 2549005CVR5HH70FDO07), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Greece, Spain, Finland, France, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Frequently asked questions
Which coins can I earn on?+
The list covers the majors plus plenty of smaller assets: BTC, ETH and DAI. BTC, ETH and SOL sit alongside stablecoins such as USDC, USDT, DAI and USDP, so you can hold a cash-like balance and riskier coins in the same earn account.
What yield do I earn?+
Yields run 0.25% to 12% across the products, from flexible balances to fixed terms. The median earn rate across the site is 7%, which places this offer near the middle of the field rather than at the top.
How long are funds locked?+
You can leave funds flexible, take a short fixed term or a longer one, and Flash Rewards adds lock-ups of a week or a fortnight for short boosts. Fixed products pay inside the 0.25% to 12% range, so a longer lock is a choice about access rather than a different kind of product.
Is my money protected if the company goes wrong?+
The coins are held custodially, custodial, so the operator controls the keys and every withdrawal. The Malta entity is registered as a MiCA crypto-asset service provider, MiCA CASP 2549005CVR5HH70FDO07, under the Malta Financial Services Authority, which supervises the firm rather than your balance.
Who regulates the earn product?+
The Malta operation is listed on the EU crypto-asset register as MiCA CASP 2549005CVR5HH70FDO07 under the Malta Financial Services Authority. Licences also appear with the Financial Conduct Authority in the UK, the Monetary Authority of Singapore, the Securities and Futures Commission in Hong Kong and FINTRAC in Canada.
Can I stake as well as earn?+
Yes. Liquid staking is part of the offer, liquid staking, so a staked position stays movable while it earns. It sits next to the simpler flexible and fixed earn products rather than replacing them.
How do I get help?+
Support runs on email, chat and help centre, giving you live chat, email, a help centre and a community forum, with no phone line in that list. On a product with lock-ups and tiered terms, the help centre and community threads carry most of the load.
How does it compare with other earn products?+
Bit2Me lists yields of 0.5% to 19.2%, above this range at the top, while bunq Crypto Spain quotes a single figure of 8.25% and VaultLeap keeps its scope to USDC. Crypto.com Earn stands out for breadth of assets rather than the highest headline rate.
Sources
- coingecko.com/en/exchanges/crypto_com checked September 26, 2026
Backs: Founded
“year_established=2019”
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=MT”
- crypto.com/earn checked September 26, 2026
Backs: Supported assets, Yield
“21+ cryptocurrencies and stablecoins available, with exclusive Private Members' perks.”
- crypto.com/eea/staking checked September 26, 2026
Backs: Features, Support channels
“Liquid staking is available for ETH! Earn rewards and receive tradeable CDCETH.”
- crypto.com/en/app checked September 26, 2026
Backs: Custody
“It's a digital currency brokerage that acts as a custodian, and stores your cryptocurrencies for you.”
- help.crypto.com/en/articles/2996965-crypto-earn-how-does-... checked September 26, 2026
Backs: Lock-up terms
“Flexible holding term, 1-month fixed term, 3-month fixed term”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
Crypto.com Earn
Idle coins earning flexible or fixed yield inside one custodial app.