Level Up grants you unmatched benefits across our product lines, empowering you to grow your wealth. Benefits include:*

If you choose to join Level Up by locking up or staking CRO, you’ll also earn returns on the locked or staked amount.

Level Up features four plans to suit every user:

The higher your plan, the better your benefits. Refer here for more details.

*Terms and conditions apply. Availability, amounts, and terms may vary by jurisdiction.

**Securities in the U.S. are offered only by Foris Capital US LLC. All related transfer offers are subject to Foris Capital US LLC’s sole discretion and Terms and Conditions. Foris Capital US LLC is an SEC-registered broker-dealer and member of FINRA and SIPC.

***Offer is exclusive to Crypto.com Visa Signature® Credit Card holders enrolled in the Level Up program. This rewards program is provided by Crypto.com and its terms may change at any time. For full Rewards Terms and Conditions, please see https://crypto.com/document/us_credit_card. Crypto.com calculates and awards the amount of CRO tokens earned based on the current market rate at the time of your purchase.

If you joined Level Up before 2 September 2025, you will continue to enjoy all the benefits of your tier, which have now been restructured into the following plans:

From 2 September 2025, if you are on the Plus or Pro plan, you will have the option to switch to a subscription. Please note that you can only do so after your 365-day holding period ends.

Important: Separately, if you upgrade to a higher plan by paying a subscription while your CRO is still locked for 365 days, your staked CRO remains locked until maturity and can not be unstaked or returned early, even if you choose to subscribe. Later, when the lock up has ended, you would need to manually unstake.

If you unlock or unstake your CRO after the holding period, you will be downgraded to the Basic plan.

However, you have the option to subscribe to a higher plan, or to lock up or stake your CRO for a higher plan, at any time. Please refer here for details on Level Up tiers and their benefits.

Eligibility depends on your jurisdiction. Your ability to lock up or stake CRO may vary based on local regulations and product availability.

Here are the differences between Level Up CRO Lockup and Level Up CRO Staking:

Cardholder CRO Staking (legacy) and CRO Lockup (legacy) apply to users who applied for a Crypto.com Card (Ruby Steel tier and above) before 6 November 2024.

Level Up launched on 6 November 2024, allowing users to join by locking up or staking CRO, depending on their jurisdiction. Level Up users are not eligible for the legacy Cardholder CRO Staking (legacy) and CRO Lockup (legacy) programmes.

From 2 September 2025, users will have the option to subscribe to Level Up (Plus and Pro plans), in addition to locking up or staking their CRO. Cardholder CRO Staking (legacy) CRO Lockup (legacy) will be transitioned to Level Up from this date. This means users with an existing lockup or stake will automatically qualify for a Level Up plan depending on the amount:

For users who joined Level Up after 6 November 2024, there is no change to your plan or CRO lockup/staking rewards . On 2 September 2025, the changes outlined above will be automatically applied.

*Notes about Level Up CRO Staking:

For Level Up CRO Staking, you can be in one of two states:

365-day locked stake: Your CRO is locked on-chain for 365 days and cannot be unstaked early. During this lock, you are eligible for the higher estimated staking rate (subject to validator rates and Crypto.com fees).

Flexible CRO staking: Your CRO remains staked after a 365-day lock period ends. While out of a lock up period, you earn the base estimated rate. You may unstake at any time, subject to the usual unbonding period; during and after unbonding, your CRO is not eligible for staking rewards.

You may reset a flexible stake into a new 365-day lock for the higher estimated rate. If Auto-renew is on at maturity, the 365-day lock renews; if switched off, the stake becomes flexible at the base estimated rate.

Locking up or staking CRO to join Level Up grants you the additional benefit of earning rewards on the locked or staked amount. Rewards are paid to your CRO Token Wallet up to 3 times per week and do not compound into the staked principal during the lock.

Refer here to learn more about eligibility and the differences between lockup and staking.

Please refer to the charts above for the reward rate.

Auto-renew applies to Level Up CRO Staking when you have an active 365-day lock. When Auto-renew is enabled, your lock renews for another 365 days at maturity. When it is switched off, your stake becomes flexible at maturity and earns the base estimated rate.

Enabling Auto-renew does not change your rate immediately; any rate impact applies at the next renewal.

To manage Auto-renew toggle:

If you don’t see Auto-renew, you may not have an active 365-day CRO stake.

You can also set Auto-renew when you first stake or when you reset into a 365-day lock via the checkbox on the confirm screen; default is disabled).

Starting from 2 September 2025, all users with Cardholder CRO Stake (legacy) or CRO Lockup (legacy) will be transitioned to Level Up CRO Lockup. You will be eligible for the Level Up plan that matches your CRO Lockup (legacy) tier.