Deposit your preferred crypto into Crypto Earn to start accruing interest daily to grow your crypto assets.

Note: CRO deposits in Earn differs from CRO staking. Please refer here on how to stake your CRO for the Crypto.com Visa card.

How to participate? 

  1. Go into the Super App Menu from the homepage

2. In the App’s Crypto Earn screen, select your preferred term and choose to make a deposit with:

Available Cryptocurrency

Supported Locations

BTC, CRO, ETH, LTC, XRP, BNB, BAT, LINK, MKR, DAI, PAX, ATOM, BCH, VET, ICX, ADA, ENJ, ALGO, KNC, eGLD, COMP, MANA, DOGE, SHIB

All

PAXG, TUSD, TAUD, TCAD, TGBP, USDC

All except Singapore

EOS, XLM, XTZ, CELR, DOT

All except for the following the US states Alabama, Connecticut, Georgia, Hawaii, Idaho, Louisiana, New Mexico, North Carolina, Oregon, Vermont and Washington.

USDT, OMG, UNI

All except the US.


3. Once the deposit is confirmed, interest 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, or Malta. Efforts are underway to make these products available to these jurisdictions.

What are the holding term options and APR?

There are three holding term options as follows:

  • Flexible holding term

  • 1-month fixed term

  • 3-month fixed term

Users can enjoy better annual interest rate (APR) when they have CRO staked.

TERMS

Flexible (APR)

1 Month (APR)

3 Months (APR)

With Ruby Steel/Midnight Blue

With >= Jade Green/Royal Indigo and above

With Ruby Steel/Midnight Blue

With >= Jade Green/Royal Indigo and above

With Ruby Steel/Midnight Blue

With >= Jade Green/Royal Indigo and above

CRO

2%

2%

4%

4%

6%

6%

DAI

6%

8%

8%

10%

10%

12%

PAX

6%

8%

8%

10%

10%

12%

TUSD*

6%

8%

8%

10%

10%

12%

TAUD*

6%

8%

8%

10%

10%

12%

TCAD*

6%

8%

8%

10%

10%

12%

TGBP*

6%

8%

8%

10%

10%

12%

USDC*

6%

8%

8%

10%

10%

12%

USDT**

6%

8%

8%

10%

10%

12%

ICX

0.5%

1.0%

1.0%

2.0%

2.0%

3.0%

BTC

1.5%

2%

3%

4.5%

4.5%

6.5%

ETH

2.5%

3.5%

3.5%

4.5%

4.5%

5.5%

LTC

0.5%

1.0%

1.0%

2.0%

2.0%

3.0%

XRP

0.5%

1.0%

1.0%

2.0%

2.0%

3.0%

BCH

0.5%

1.0%

1.0%

2.0%

2.0%

3.0%

KNC

0.5%

1.0%

1.0%

2.0%

2.0%

3.0%

ALGO

0.5%

1.0%

1.0%

2.0%

2.0%

3.0%

ATOM

0.5%

1.0%

1.0%

2.0%

2.0%

3.0%

XTZ

0.5%

1.0%

1.0%

2.0%

2.0%

3.0%

OMG

0.5%

1.0%

1.0%

2.0%

2.0%

3.0%

XLM

0.5%

1.0%

1.0%

2.0%

2.0%

3.0%

ADA

0.5%

1.0%

1.0%

2.0%

2.0%

3.0%

EOS

0.5%

1.0%

1.0%

2.0%

2.0%

3.0%

BNB

0.5%

1%

1%

2%

2%

3%

BAT

0.5%

1%

1%

2%

2%

3%

LINK

0.5%

1%

1%

2%

2%

3%

MKR

0.5%

1%

1%

2%

2%

3%

PAXG*

0.5%

1%

1%

2%

2%

3%

VET

0.5%

1%

1%

2%

2%

3%

ENJ

0.5%

1%

1%

2%

2%

3%

COMP

0.5%

1%

1%

2%

2%

3%

CELR

0.5%

1%

1%

2%

2%

3%

MANA

0.5%

1%

1%

2%

2%

3%

eGLD

0.5%

1%

1%

2%

2%

3%

DOT

0.5%

1%

1%

2%

2%

3%

UNI

0.5%

1%

1%

2%

2%

3%

BNT

0.5%

1%

1%

2%

2%

3%

DOGE

0.5%

1%

1%

2%

2%

3%

SHIB

0.5%

1%

1%

2%

2%

3%

*Singapore users will not have these stablecoins available (TUSD/PAX/USDC/TAUD/TCAD/TGBP)

** USDT is not available for the U.S

Crypto.com Private members will enjoy an additional 2% p.a. interest (paid in CRO) on all fixed-term deposits*

*Not applicable for CRO

Can I make more than one deposit for Crypto Earn?

Yes. You can have multiple active deposits, as long as the limit is within the following USD equivalent for all deposits combined. 

CRO Staked

(card tier)

Maximum

(USD equivalent)

Obsidian

$2 000 000

Frosted Rose Gold/Icy White

$1 000 000

Below Frosted Rose Gold/Icy White

$500 000

(e.g. You are currently staking for Frosted Rose Gold or Icy White.  You can have 2 deposits for the 1-month term, 3 deposits for the 3-month term, and 2 deposits for the flexible term - a total of which does not surpass USD $1,000,000 equivalent)

Can I deposit different cryptos for different terms?

Yes, you can.

(e.g. you can make a deposit in TUSD and another deposit in BTC for the 1-month term, and one deposit of TUSD, BTC, and PAX each for the 3-month term).

What are the deposit limits for Crypto Earn?

Maximum Limit

CRO Staked

(card tier)

Maximum

(USD equivalent)

Obsidian

$2 000 000

Frosted Rose Gold/Icy White

$1 000 000

Below Frosted Rose Gold/Icy White

$500 000

Minimum Limit

Minimum

ADA

250

ALGO

150

ATOM

12

BAT

400

BCH

0.35

BNB

2

BTC

0.005

CELR

12000

COMP

0.5

CRO

5000

DAI

250

DOT

10

EGLD

2

ENJ

450

EOS

50

ERD

12500

ETH

0.15

ICX

150

KNC

110

LINK

7.5

LTC

1.5

MANA

750

MKR

0.1

OMG

35

PAX

250

PAXG

0.1

TAUD

400

TCAD

350

TGBP

200

TUSD

250

UNI

12.5

USDC

250

USDT

250

VET

5000

XLM

450

XRP

450

XTZ

50

BNT

40

DOGE

500

SHIB

8 000 000

For flexible term, the interest accrual will pause for a user if they have less than the following amounts, and resume once the deposit balance increases above these thresholds:

Minimum threshold

Minimum

ADA

25

ALGO

15

ATOM

1.2

BAT

40

BCH

0.035

BNB

0.2

BTC

0.0005

CELR

1200

COMP

0.05

CRO

500

DAI

25

DOT

1

EGLD

0.2

ENJ

45

EOS

5

ERD

1250

ETH

0.015

ICX

15

KNC

11

LINK

0.75

LTC

0.15

MANA

75

MKR

0.01

OMG

3.5

PAX

25

PAXG

0.01

TAUD

40

TCAD

35

TGBP

20

TUSD

25

UNI

1.25

USDC

25

USDT

250

VET

500

XLM

45

XRP

45

XTZ

5

BNT

4

DOGE

50

SHIB

800 000

How is the daily interest calculated?

Interest calculations take place at UTC 00:00:00 daily.

Fixed-term calculation formula for the daily interest

Daily Interest = Principal amount (in original cryptocurrency) x (APR/365)

[(e.g. If you’ve staked CRO Tokens, opted for a 1-month term and deposited 1 BTC, your calculation will be 1 x (4.5%/365)]

Flexible term calculation formula for the daily interest

Daily Interest = Minimum Daily Balance x (APR/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:

  • Interest for Flexible Term will start to accrue a day after you make a deposit.

  • APR will change if you choose to stake/unstake CRO in the middle of your deposit term.

When will I receive the interests from my deposit(s)?

You will receive your total accumulated interest every 7 days. It will be deposited into your crypto wallet, and will be available for use immediately. 

What currency will the interest be paid out in?

The interest will be paid out in the same currency as your deposit currency (e.g. if you deposit BTC, you will earn interest in BTC).

Where can I see the accrued interests from my active deposit(s)?

You can see the daily interest from active deposits accumulate in the Crypto Earn home screen under ‘Total Earnings’.

What happens when I upgrade my staking tier?

The higher APR will be applied the following day, to all existing terms, for the remainder of the term. Crypto.com Private members will enjoy an additional 2% p.a. interest (paid in CRO) on all fixed-term deposits* starting a day after the upgrade.

*Not applicable for CRO

What happens when I reach the end of a fixed term?

Your fixed-term deposits will be automatically transferred back to your crypto wallet in the App.

How to withdraw from Flexible term?

  1. Tap on the "-" Icon (upper left hand corner)

2. Select the crypto to withdraw

3. Input the amount to withdraw

4. Confirm the withdraw

5 Withdrawn crypto amount will be back to your crypto wallet in the App

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