Allocate your preferred crypto into Crypto Earn to start accruing rewards daily to grow your crypto assets.
Note: CRO allocations in Earn differ from Cardholder CRO Stake or CRO Lockup.
*Depending on the jurisdiction you are based in, you will be required to either stake or lock up CRO tokens for 180 days.
How to participate?
Go into the Menu from the home screen
2. In the App’s Crypto Earn screen, select your preferred term and choose to make an allocation with:
Available Cryptocurrency | Supported Locations |
BTC, BNB, VET, ALGO, ONE, FTM | All |
CRO | United States, Canada, South Korea, Singapore and Thailand |
USDC | All except for Texas |
DAI and USDT | All except for Texas and Canada |
APT, INJ, TIA, SEI, KSM, KAVA, SUI, MINA, XTZ, FLIP, OSMO, DYM, GRT, AKT, ZETA, DYDX, FET, TON, AXL and STX | All except for United States, Canada, France, United Kingdom, Netherlands, Germany, Japan, Belgium and South Korea |
ADA, ATOM, AVAX, DOT, EGLD, ETH, POL, NEAR and SOL | All except for Japan, Germany, Netherlands, France, Belgium and the United Kingdom |
ZIL | All except for the United States and Canada |
BARA | All except Canada |
3. Once the allocation is confirmed, rewards will start to accrue immediately
Who can participate in Crypto Earn?
Crypto.com App approved users except for citizens and residents of Hong Kong SAR, Switzerland, Australia or Malta.
What are the allocation term options and annual rewards rate?
There are three holding term options as follows:
Flexible holding term
1-month fixed term
3-month fixed term
Users can enjoy a better annual rewards rate when they have a Cardholder CRO Stake or CRO Lockup.
Please refer to the Crypto Earn page for locking up amounts in other currencies (EUR, GBP, SGD, CAD, BRL).
Different rewards rates will apply depending on factors, including but not limited to: your choice of token, your choice of allocation term, your Level Up lockup tier, total deposited allocations (where tiered rewards structure apply), your country of residence. We may review and update Earn rates periodically. For the latest reward rates, please refer to Crypto.com App.
Introducing Earn Plus
Earn Plus is a new program under Crypto Earn that provides users with a simpler way to earn with their crypto assets:
No tiered rewards quota: New term allocations in Earn Plus will not count towards tiered rewards quota. Users can enjoy full rewards up to the maximum allocation limit for Earn Plus.
Higher deposit limits: Each user can deposit up to an equivalent of USD$2,000,000 (including fixed and flexible) and an equivalent of USD$500,000 (fixed term) for each crypto under Earn Plus, regardless of user’s CRO lock-up tier.
Currently, USDC and USDT are offered on Earn Plus. The reward rates are as follows:
Token | Level Up lockup amount | Term Length (Flexible) | Term Length (1-month) | Term Length (3-month) |
USDC | Less than or equivalent to USD $400 | 0.5% | 1%^ | 5%^ |
| Equivalent to USD $4,000 | 0.75% | 3%^ | 6%^ |
| Equivalent to USD $40,000 or more | 1% | 4%^ | 8%^ |
USDT | Less than or equivalent to USD $400 | 0.40% | 3%^ | 4.5%^ |
| Equivalent to USD $40,000 or more | 0.55% | 4%^ | 6.5%^ |
^The additional 2% reward (paid in CRO) on fixed-term allocations for private members, who applied for their card before 5 November 2024 and have not upgraded to the Crypto.com Level Up programme, will not be applied to Earn Plus allocations.
Can I make more than one allocation for Crypto Earn?
Yes. You can have multiple active allocations, as long as the limit is within the following USD equivalent for all allocations combined.
Level Up Lockup Amount | Maximum (USD equivalent) |
Equivalent to USD $400,000 | $2 000 000 |
Equivalent to USD $40,000 | $1 000 000 |
Less than or equivalent to USD $4,000 | $500 000 |
Can I allocate different cryptos for different terms?
Yes, you can.
What are the allocation limits for Crypto Earn?
Maximum Limit
Level Up Lockup Amount | Maximum (USD equivalent) |
Equivalent to USD $400,000 | $2 000 000 |
Equivalent to USD $40,000 | $1 000 000 |
Less than or equivalent to USD $4,000 | $500 000 |
Maximum limit outlined in this table will not apply to USDC allocations.
Minimum Limit
ADA | 250 |
ALGO | 150 |
APT | 10 |
ATOM | 12 |
BNB | 2 |
BTC | 0.005 |
CRO | 500 |
DAI | 250 |
DOT | 10 |
EGLD | 2 |
ETH | 0.15 |
USDC | 250 |
USDT | 250 |
VET | 5000 |
POL | 250 |
ONE | 1000 |
AVAX | 5 |
SOL | 1 |
FTM | 900 |
ZIL | 6250 |
NEAR | 75 |
INJ | 5 |
TIA | 10 |
SEI | 150 |
KSM | 2 |
KAVA | 120 |
SUI | 60 |
MINA | 80 |
XTZ | 100 |
FLIP | 11 |
OSMO | 80 |
DYM | 20 |
GRT | 400 |
AKT | 20 |
ZETA | 65 |
DYDX | 45 |
FET | 40 |
TON | 15 |
AXL | 165 |
STX | 50 |
BARA | 50000 |
For flexible terms, the rewards accrual will pause for a user if they have less than the following amounts, and resume once the allocation balance increases above these thresholds:
Minimum threshold
ADA | 25 |
ALGO | 15 |
APT | 1 |
ATOM | 1.2 |
BNB | 0.2 |
BTC | 0.0005 |
CRO | 50 |
DAI | 25 |
DOT | 1 |
EGLD | 0.2 |
ETH | 0.015 |
USDC | 25 |
USDT | 25 |
VET | 500 |
POL | 25 |
ONE | 10 |
AVAX | 0.5 |
SOL | 0.1 |
FTM | 90 |
ZIL | 625 |
NEAR | 7.5 |
INJ | 0.5 |
TIA | 1 |
SEI | 15 |
KSM | 0.2 |
KAVA | 12 |
SUI | 6 |
MINA | 8 |
XTZ | 10 |
FLIP | 1.1 |
OSMO | 8 |
DYM | 2 |
GRT | 40 |
AKT | 2 |
ZETA | 6.5 |
DYDX | 4.5 |
FET | 4 |
TON | 1.5 |
AXL | 16.5 |
STX | 5 |
How are the daily rewards calculated?
Rewards calculations take place at UTC 00:00:00 daily.
The fixed-term calculation formula for the daily rewards
Daily rewards = Amount allocated (in original cryptocurrency) x (annual rewards rate/365)
[(e.g. If you have a Cardholder CRO Stake or CRO Lockup, opted for a 1-month term, and allocated 1 BTC, your calculation will be 1 x (1%/365)]
Flexible term calculation formula for the daily rewards
Daily rewards= Minimum Daily Balance x (annual rewards rate/365)
[The minimum daily balance is the minimum balance for the users’ crypto-asset under Crypto Earn flexible term between UTC 00:00:00 and UTC 23:59:59 every day]
Note:
Rewards for Flexible Term will start to accrue a day after you make an allocation.
Annual Rewards Rate will change if you choose to lock up/unlock CRO in the middle of your allocation term.
When will I receive rewards?
You will receive your total accumulated rewards every 7 days. It will be transferred into your crypto wallet and will be available for use immediately.
What currency will the rewards be paid out in?
The rewards are generally paid out in the same currency as your allocated currency (e.g. if you allocate BTC, you will earn rewards in BTC). For STX allocations, rewards will be paid out in BTC.
Where can I see the accrued rewards?
You can see the daily rewards for cryptocurrencies actively allocated to Crypto Earn in the Crypto Earn home screen under ‘Total Earnings’.
What happens when I upgrade my Cardholder CRO Stake or CRO Lockup up tier?
The higher annual rewards rate will be applied the following day to all existing terms for the remainder of the term. Crypto.com Private members who applied for their card before 5 November 2024 and have not upgraded to the Crypto.com Level Up programme will enjoy an additional 2% reward (paid in CRO) on all fixed-term allocations* starting a day after the upgrade.
*Not applicable for CRO, USDC and private members under the Crypto.com Level Up programme
What happens when I reach the end of a fixed term?
Your fixed-term allocations will be automatically transferred back to your crypto wallet in the App.
*Please note that fixed-term allocations cannot be withdrawn before the deposit period has ended.
How to withdraw from Flexible term?
On the Earn screen, select the Portfolio tab
Tap on the Flexible term you wish to withdraw
Tap on Withdraw and input the amount
Confirm the withdrawal
Withdrawn crypto amount will be back to your crypto wallet in the App
Tiered Rewards Structure (Applicable to Earn Allocations except for USDC)
Tier 1 (Full rewards rate) - You will receive the full rewards rate for allocations less than or equal to US$3,000. The Tier 1 quota will always be filled first. The Tier 1 quota will be calculated based on the US$ price of the cryptocurrencies allocated to Crypto Earn at the time of allocation and in the order that they are allocated.
Tier 2 (0.5x of Tier 1 rate) - Once your Tier 1 quota of US$3,000 is filled, the next US$27,000 worth of allocations will receive 0.5x the Tier 1 rate.
Tier 3 (0.3x of Tier 2 rate) - Once your Tier 1 and Tier 2 quotas (a total of up to US$30,000 worth of allocations) are filled, any subsequent allocations will receive 0.3x the Tier 2 rate.
Note:
Tiered Rewards only apply to fixed-term allocations. Flexible terms will not be affected.
Rates are locked at the time of term creation and will remain the same throughout the term’s duration. However, fluctuations in coin’s price that result in changes of the term allocation’s value will affect the calculation of your available Tier 1 and Tier 2 quota. For example:
If on 30 June, you have US$3,000 of Tier 1 quota available and you allocate US$2,000 worth of BTC into a 1-month term, then you have US$1,000 remaining in your Tier 1 quota.
If this BTC allocation is worth US$3,100 on 5 July, you will not have any Tier 1 quota remaining. A new allocation at that point will only be eligible for Tier 2 rates.
If your BTC allocation has dropped in value to US$2,500 on 15 July, you now have US$500 of Tier 1 quota left.
Examples:
Current Program ReceivingTier 1 (T1) Rates (USD) | Current Program ReceivingTier 2 (T2) Rates (USD) | Current Program ReceivingTier 3 (T3) Rates (USD) | Remaining Tier 1 Quota (USD) | Remaining Tier 2 Quota (USD) | New Allocation Amount (USD) | Rewards Rate for the New Allocation |
$0 | $0 | $0 | $3,000 | $27,000 | $3,000 | T1 |
$3,000 | $0 | $0 | $0 | $27,000 | $10,000 | T2 |
$0 | $0 | $0 | $3,000 | $27,000 | $3,100 | T2* |
$0 | $0 | $0 | $3,000 | $27,000 | $30,200 | T3** |
$3,000
| $27,000 | $0 | $0 | $0 | $1,000 | T3 |
$2,000 | $27,000 | $0 | $1,000 | $0 | $1,000 | T1*** |
*This single allocation amount exceeds the remaining Tier 1 quota, but does not exceed the upper limit of the Tier 2 quota. Therefore, the entire allocation is subject to Tier 2 rates. You can manually split your allocation into separate programs to optimise your earnings.
**This single allocation amount exceeds the remaining Tier 1 and Tier 2 quotas. Therefore, the entire allocation is subject to Tier 3 rates. You can manually split your allocation into separate programs to optimise your earnings.
***If you have both Tier 1 and Tier 3 quotas available, the next allocation within the available Tier 1 quota will receive Tier 1 rates because Tier 1 quotas are always filled first.
There will be no changes to the holding term options (i.e., Flexible, 1-month Term, and 3-month Terms). Users can continue to enjoy better rates by allocating CRO, and Crypto.com Private users who applied for their card before 5 November 2024 and have not upgraded to the Crypto.com Level Up programme are still entitled to an additional 2% p.a. rewards rate on fixed-term allocations (paid in CRO).
How will this new 3-tier structure impact users with existing fixed-term allocations in Crypto Earn?
The new tiered rates are only applicable to allocations created from the effective date onwards. While rewards rates for fixed-term allocations that were created before the tiered structure goes into effect remain unchanged, those allocations will count towards Tier 1 and Tier 2 quotas.
Examples:
Existing amount allocated to Crypto Earn (Before 1 June 2022) | Remaining Tier 1 Quota | Remaining Tier 2 Quota | New Amount allocated to Crypto Earn (After 1 June 2022) | Reward Rate Received for New Amount Allocated |
US$2,500 | US$500 | US$27,000 | US$400 | T1 |
US$25,000 | US$0 | US$2,000 | US$1,000 | T2 |
US$0 | US$3,000 | US$27,000 | US$3,300 | T2* |
*The user will receive Tier 2 rates if the amount allocated exceeds the Tier 1 US$3,000 threshold. In this example, the user can first allocate US$3,000 to earn Tier 1 rates, and subsequently allocate an additional US$300 at Tier 2 rates if they choose to do so.
Note: Tier 1, Tier 2, and Tier 3 rates will be based on the latest rates table.
Flash Rewards
What are Flash Rewards?
Flash Rewards is a feature within Crypto Earn that allows users to earn a promotional rate on a specified token. The Flash Rewards rate for that token will only be available for a limited time and users only have to lock up their allocations for short-term lengths (e.g. 7-day or 14-day terms).
How do Flash Rewards work?
Users can access Flash Rewards campaigns from the Crypto Earn screen. Each Flash Rewards campaign will have the following parameters:
Campaign coin: The coin which users allocate to earn a promotional rate
Campaign period: Flash Rewards campaigns are only available during the campaign period
Term length: The lockup period for a given Flash Rewards campaign, which will be shorter than our usual 1-month and 3-month fixed terms (e.g. 7-day or 14-day lockups)
Rewards rate: The promotional rate being offered
Max allocation per user: The maximum that each individual user can allocate for per program
Min allocation per user: The minimum amount that each individual must allocate to open a Flash program
Aggregate campaign cap: A Flash Rewards campaign will be available for the duration of the campaign period until the total amount of allocations has reached the campaign cap
Who is eligible to participate in Flash Rewards campaigns?
Flash Rewards is not subject to Tiered Rewards rules
Flash allocations will not count towards the tiered rewards quota
Users who have reached their tier 1 quota are still eligible for the Flash Rewards promotional rate
Users are allowed one active Flash program at a time. Upon completion of the Flash program, users can open a new one if the campaign has not ended and if the campaign has not reached its aggregate cap
Flash Rewards campaign is not available for residents of the United States, United Kingdom, Japan, or Korea, and is not available for residents of countries in which Earn is not available
Additional geographic restrictions may apply for certain campaigns
Users must have successfully completed KYC verification and all other onboarding procedures specified in the Crypto.com App to be eligible.
Users who have already reached the Earn allocation maximum are ineligible.
Additional notes:
You will receive your total accumulated Flash rewards every 7 days. It will be transferred into your crypto wallet and will be available for use immediately.
The links provided above to helpful information are for reference only.
Crypto.com reserves the right to cancel the campaign or amend the campaign mechanics or rules at any time at our sole discretion.
By accepting the rewards, winners agree to the Privacy Notice of Crypto.com, which is published at https://crypto.com/en/privacy/global.html.
In the event of any dispute, Crypto.com reserves the right to make all final decisions regarding the campaign.