Important: This FAQ page is applicable to users who have an existing Crypto.com Card or who applied for the Crypto.com Card before 6 November 2024.

If you are a US, Canada, or Singapore user who has applied or are applying for the Crypto.com Card on or after 6 November 2024, 03:00 UTC, please refer to this page instead.

If you are a non-US, Canada, or Singapore user who has applied or is applying for the Crypto.com Card on or after 6 November 2024, 03:00 UTC, please refer to this page instead.

CRO Lockup grants you various benefits for your Crypto.com Card, Crypto Wallet, and Crypto Earn. Refer to the ‘CRO Lockup Benefits’ section below for more details.

Cardholder CRO Staking replaces CRO Lockup from 15 January 2024, 03:00 UTC, for eligible users. Under Cardholder CRO Staking, your CRO is staked on-chain, and you participate in securing the underlying blockchain (learn more in this University article). The reward rates for staking are dependent on the blockchain and may be subject to change. Rewards are paid weekly to your CRO Cardholder Stake, thus compounding your returns. The staking and unstaking processes require an activation and unbonding period, respectively.

CRO Lockup allows you to enjoy the same Crypto.com Card, Crypto Wallet, and Crypto Earn benefits as Cardholder CRO Staking. However, as your CRO is not staked on-chain, reward rates are set by Crypto.com based on market conditions. Additionally, rewards are not compounded.

All cardholders are eligible for CRO Lockup, excluding cardholders who are eligible for Cardholder CRO Staking.

From 15 January 2024, 03:00 UTC, all cardholders in the following jurisdictions are not eligible to participate in Cardholder CRO Staking. Refer to here for more details on Cardholder CRO Staking.

If you are eligible for Cardholder CRO Staking, and have an active CRO Lockup but did not accept the Cardholder CRO Staking Terms and Conditions, you will retain your CRO Lockup. However, you will not earn weekly CRO Lockup rewards. You will still enjoy your card benefits.

CRO Lockup Rewards: Receive CRO at 4% p.a. for Jade Green or Royal Indigo, 8% p.a. for Frosted Rose Gold, Icy White, and Obsidian tiers while the amount is locked up.

The rewards are paid on a weekly basis.

For details of different levels of benefits in relation to the amount of locked-up CRO, please refer to the Crypto.com Cards section of our website.

Once you have enough CRO tokens in your Crypto.com App for your selected Crypto.com Card:

You need to have CRO in your Crypto.com App Crypto Wallet in order to participate in CRO Lockup, which you can do so by either:

Locking up CRO will give you the lockup benefits stated above.

You need to lock up enough CRO for your metal Crypto.com Card. When the lockup is done, we will review your application, and as soon as your card status is changed to "Shipped", the card will be on its way to you.

Yes. During the initial 180-day lockup period, you can increase the amount of lockup CRO, by going to your CRO wallet in the app and selecting the Upgrade button.

You will be prompted to add the difference between your existing lockup and the one you are upgrading to. For example, if you've currently locked up 2,000 CRO and would like to increase to 20,000 CRO, you will need to add 18,000 CRO.

The new lockup will reset the timer and a new 365-day period will start.

After the 180-day lockup period is completed, you'll be able to unlock your CRO. Simply go to your CRO Wallet in the App and tap the ‘Unlock’ button.

Note that you can only unlock your CRO Lockup in full. By unlocking CRO you will be losing a number of wallet benefits that come with CRO lockup, for example:

You will continue to enjoy non-staking Crypto.com Card benefits (e.g., spending rewards of up to 2% for Icy White / Frosted Rose Gold / Obsidian tiers), Airport Lounge Access, fee-free ATM withdrawal limits, and interbank exchange rates).

Users who have unlocked their CRO following the initial 180-day lockup period can lock it again in the app to enjoy CRO lockup benefits.

Note: