What benefits does Level Up offer?
Level Up grants you unmatched benefits across our product lines, empowering you to grow your wealth. Benefits include:*
Zero trading fees
Up to 3% bonus on stock transfers**
Up to 5% rewards on idle cash balances
Up to 5% uncapped rewards on spending with the Crypto.com Prepaid Card
Up to 6% uncapped rewards on spending with the Crypto.com Visa Signature® Credit Card (US users only)***
Up to an estimated 9.5% APY on your CRO deposits
Additional lifestyle perks such as priority customer support, exclusive experiences with our sporting partners, and more
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:
Basic (formerly Midnight)
Plus (formerly Ruby)
Pro (formerly Jade/Indigo)
Private (formerly Icy/Rose/Obsidian)
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.
I have an existing CRO Lockup or CRO Stake. What does this mean now that there’s a subscription option?
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:
Basic (formerly Midnight)
Plus (formerly Ruby)
Pro (formerly Jade/Indigo)
Private (formerly Icy/Rose/Obsidian)
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.
What Level Up benefits do I enjoy if I unlock or unstake my CRO?
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.
Am I eligible for Level Up CRO Lockup or Level Up CRO Staking?
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:
Level Up CRO Staking | Level Up CRO Lockup |
The Crypto.com App allows CRO staking for residents of the following territories: Eligible US* states, UK, EEA, Switzerland, Australia, New Zealand, Argentina, Brazil, Colombia, Mexico, Peru, Bahrain, Oman, Saudi Arabia, UAE, Kuwait, Philippines, Taiwan, and Malaysia.
*Ineligible US states: New York, California, Maryland, New Jersey, and Wisconsin. | CRO Lockup is available for users who are not eligible for CRO Staking. |
What are the differences between CRO Lockup/Cardholder CRO Staking for the Crypto.com Card and Level Up?
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:
Level Up CRO Lockup
CRO Lockup Tier (Legacy) | Level Up Plan | CRO Lockup Rewards (Legacy) | Level Up CRO Lockup Rewards |
Midnight Blue | Basic | N/A | N/A |
Ruby Steel | Plus | N/A | N/A |
Jade Green/Royal Indigo | Pro | 4% | 4% |
Icy White/Frosted Rose Gold | Private - US$50,000 | 8% | 8.5% |
Obsidian | Private - US$500,000 | 8% | 9.5% |
Level Up CRO Staking
Cardholder CRO Staking Tier (Legacy) | Level Up Plan | Cardholder CRO Staking Rewards (Legacy) | Level Up CRO Staking Rewards* |
Midnight Blue | Basic | N/A | N/A |
Ruby Steel | Plus | N/A | N/A |
Jade Green/Royal Indigo | Pro | Up to 4% | Up to 4% |
Icy White/Frosted Rose Gold | Private - US$50,000 | Up to 8% | Up to 8.5% |
Obsidian | Private - US$500,000 | Up to 8% | Up to 9.5% |
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.
*Staking rewards are determined by either the on-chain emission rate or the quoted rate above, whichever is lower.
Level Up CRO Lockup and Level Up CRO Staking Rewards
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 weekly to your CRO Wallet.
Refer here to learn more about eligibility and the differences between lockup and staking.
The reward rates are as follows:
Level Up Plan | CRO Lockup Reward Rate | CRO Staking Reward Rate* |
Basic (previously Midnight) | N/A | N/A |
Plus (previously Ruby) | N/A | N/A |
Pro (previously Jade/Indigo) | 4% | Up to 4% |
Private - US$50,000 (previously Icy/Rose) | 8.5% | Up to 8.5% |
Private - US$500,000 (previously Obsidian) | 9.5% | Up to 9.5% |
*Notes about Level Up CRO Staking:
The CRO Staking reward rates provided are estimates based on data from validators and are subject to change. The rewards you receive will reflect the final rates from validators, less service fees charged by Crypto.com. Crypto.com does not guarantee any particular rate of return.
Staking rewards are credited to your Level Up Stake in your CRO Wallet weekly, compounding your returns.
If you choose to unstake, an estimated unbonding period of 36 days applies. During and after this period, your CRO will not be eligible for any Level Up booster rewards or staking rewards.
If you have an existing CRO Lockup (legacy) and you are eligible for CRO Staking, you can transition to CRO Staking for Level Up after your holding period by accepting the applicable terms and conditions. If you do not accept the terms, you will keep your CRO Lockup; however, you will no longer receive rewards on the locked amount. Your other Level Up benefits will not be impacted.
Can I still enjoy Rewards+ benefits?
To streamline our reward offerings, Rewards+ will be integrated into Level Up on 1 October 2025. This means you will no longer need to meet trading volume requirements to unlock Rewards+ benefits.
If you are on Rewards Station 2 or higher as of 2 September 2025, you will continue enjoying the benefits of your current Station until 30 October 2025. After that date, you will receive the Earn Plus Bonus according to your Level Up plan:
Plan | Earn Plus Bonus |
Basic (previously Midnight) | N/A |
Plus (previously Ruby) | 0.5% |
Pro (previously Jade/Indigo) | 1% |
Private - US$50,000 (previously Icy/Rose) | 1.25% |
Private - US$500,000 (previously Obsidian) | 1.75% |
I have a legacy Cardholder CRO Stake or CRO Lockup. Can I still enjoy a higher reward rate for Crypto Earn?
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.