Table of Contents

  1. Introduction
  2. How to Buy/Sell Cryptocurrency

       A. Buy using Credit/Debit Card
       B. Buy using Fiat Wallet
       C. How to Sell Cryptocurrency

   3.  How to Withdraw/Deposit

       A. Withdraw
       B. Deposit

   4.  EUR Bank Transfers via SEPA
   5.  EUR Withdrawal via SEPA
   6.  Send Cryptocurrency to Friends
   7. MCO Visa Card
   9.  CRO Token Utility Overview
   10. Crypto Wallet Overview
   11.  How to Track Cryptocurrency on the App

12. How to use Crypto Earn
   13. How to use Crypto Credit
   14. Pay
   15. BG50 Referral Program
   16.  Useful Links and Social Media Channels


1. Introduction

Welcome to the App Complete Guide! Whether you’re new to crypto, an avid user or just here check out our features, here’s a simple step-by-step guide on how to use the App. Let’s get started!

2. How to Buy/Sell Cryptocurrencies on the App

A. Buy using Credit/Debit Card

Note: Before Transacting Cryptocurrency, you must register for an account and complete your Identification Verification or KYC (Know Your Customer)

Step 1. Open the App and Select “Buy”

Step 2. Select the Cryptocurrency You Would Like to Purchase

Step 3. Select Credit Card as the Purchase Method

Step 4. Accept the 3.5% Card Fee.

Step 5. Click “Add Credit or Debit Card”.

Step 6. Fill Out Your Credit/Debit Card Information ($0.10 Will be Charged to Your Card to Authenticate the Transaction)

Step 7. Select the Amount of Cryptocurrency You Would Like to Purchase and Click “Buy”.

Step 8. Please Check and Confirm the Transaction.

Step 9. Congratulations! You’ve Purchased Cryptocurrency.

You will receive a confirmation email with your transaction details. The transaction details will also be shown in the respective wallet of your transaction. 

B. Buy using Bank Transfer

Step 1. Open the App and Select “Buy”

Step 2. Select Fiat Wallet as the Purchase Method

Step 3. Select the Amount of Cryptocurrency You Would Like to Purchase and Click “Buy”.

Step 4. Confirm the Transaction.

Step 5. Congratulations! You’ve Purchased Cryptocurrency.

You will receive a confirmation email with your transaction details. The transaction details will also be shown in the respective wallet of your transaction.

C. How to Sell Cryptocurrency on the App.

Step 1. Open the App and Select “Sell”.

Step 2. Select the Cryptocurrency You Would Like to Sell.

Step 3. Choose the Amount You Would Like to Sell, As Well as the Cryptocurrency You Would Like to Sell For.

Step 4. Confirm the Transaction

Step 5. Congratulations! You’ve Sold Cryptocurrency.


3. How to Withdraw/Deposit Cryptocurrency to/from the App

A withdrawal from the App is a transaction of transferring crypto from the environment to an external address (usually a wallet or an exchange). As all blockchain transactions - and contrary to sending crypto to another App user - they come with a fee. 

You can find the relevant withdrawal fee in the Fees & Limits section of the Settings in your App. 

The app makes depositing and withdrawing cryptocurrency easier than ever. One of the most popular sites users transfer to and from is an exchange called Coinbase. 

For the sake of this guide we will show the deposits and withdrawals transferred from Coinbase. Regardless, the method is nearly the same for most places you will transfer cryptocurrency.

Things to note: 

  • Your deposit address for ETH and ERC-20 tokens* is exactly the same.
  • XRP and BNB deposits require both the destination tag and deposit address.

Disclaimer: Be extremely careful while depositing/withdrawing cryptocurrency. A simple mistake such as missing a letter or a number in your cryptocurrency address will result in an irrevocable loss of funds. Please refer to the App terms and conditions for more information.

A. Withdrawing Cryptocurrency from the App

Step 1. Open Your Coinbase App and Select the “Accounts” Tab.

Step 2. Select Which Cryptocurrency You Would Like To Withdraw

Step 3. Select the “QR Code” Button in the Top Right Corner.

Step 4. Select “Copy Address” to Copy the Address to Your Clipboard.

Step 5. Open up Your App and Select “Transfer”.

Step 6. Click on “Withdraw” > "Crypto" > "External Wallet"

Step 7. Click on “+ Add Wallet Address” to Whitelist your Wallet Address.

Step 8. Enter the Wallet Address and Give the Wallet a Name, Then Click Continue.

Step 9. Navigate To The Email Confirmation.

Step 10. Once You Receive the Email, Click the “Confirm Withdrawal address” Button.

Step 11. Once You’ve Done This You Will be Able to Withdraw to the Address. From Here Hit the “Send (Crypto)” Button.

Step 12. Select the Amount of Cryptocurrency You Would Like to Send.

Step 13. Your Cryptocurrency has Been Withdrawn.

In most cases crypto withdrawals are almost instant and normally should take no longer than two hours to be processed - subject to network conditions.

B. Depositing Cryptocurrency to the App

Step 1. Click “Transfer” > "Deposit" > "Crypto"

Step 2. Navigate to Click on the Crypto you Wish to Deposit (in this case ETH).

Step 3. Click on the “Copy” Icon Beside Your Wallet Address to Copy the Address to Your Clipboard.

Step 4. Open the Coinbase App and Select “Accounts”.

Step 5. Select the Cryptocurrency You Would Like to Send to the App.

Step 6. Click on the “Paper Airplane” or “Send” Icon in the Top Right Corner.

Step 7. Select the Amount of Cryptocurrency You Would Like to Send to and Select “Next”.

Step 8. Paste Your Wallet Address in the “To” Section. Click Next in the Top Right Corner.

Step 9. Confirm Your Transaction.

Step 10. You’re All Done. Within 5–60 Minutes You Will Receive Confirmation That Your Cryptocurrency has Arrived in Your Wallet.


4. Fiat Wallet - EUR Bank Transfers via SEPA

Bank transfers via SEPA Network are a relatively inexpensive way to transfer funds into the App. 

For information on the use of Transferwise to fund your EUR Bank Transfers via SEPA Network, read here:

How to set up my EUR currency wallet & payment network?

  1. Go to “Fiat Wallet” from Super App Menu Button or Home Screen.  
  2. Tap “Transfer” > “Deposit” > “Fiat”
  3. Setup EUR (SEPA)
  4. Complete the EUR wallet set-up as per the SEPA network instructions and T&C acceptance
  5. Use the bank account info provided to transfer directly through your bank via the SEPA network
  6. We will notify you once your bank transfer has been successfully deposited

How to deposit EUR?

Upon successful setup of the SEPA bank transfer account, you will see an information page with all the details necessary to transfer EUR from your bank account.  This information can be also assessed via the “Deposit EUR” button in your EUR Fiat Wallet.

Please keep in mind that only SEPA transfers from bank accounts bearing your name will be accepted. The information needed consists of:

  • Beneficiary name - the legal name you used to register in our app (this is the person you’re sending the money to)
  • IBAN - this is the bank account number, to which you are sending the funds
  • BIC/SWIFT code - some banks require it to transfer the money
  • Institution name, address and country - not all banks require this info, but if they do, please use the details provided here

There may be slight differences in the details required by banks, but the information you have here will be sufficient for all of them.

5. EUR Withdrawal via SEPA users can withdraw fiat from their App by selling crypto to their EUR wallet and transferring EUR funds from this wallet to their bank account(s) in SEPA.

Due to compliance regulations, users are required to have at least one successful EUR deposit via SEPA to before we are permitted to transfer EUR funds back to the same bank account.

*Requires app version iOS 3.40/ Android 3.40 or higher 

How to submit a EUR withdrawal request?

  1. Go to “Fiat Wallet” from Super App Menu Button / Home Screen Wallet Balance: Tap “Transfer” > “Withdraw” > “Fiat”

2. Tap on your EUR balance and “Withdraw EUR”
3. Browse through the submission process and withdrawal limits then tap on “Withdraw Now”

4. Insert your withdrawal amount and select the bank account you are withdrawing funds to

5. Review and confirm the withdrawal request

6. Wait for our internal review and we will notify you once the withdrawal is processed


6. Send Cryptocurrency to Friends via “Pay Your Friends” Feature

In addition to deposits/withdrawals, also offers users the ability to transfer cryptocurrency to friends using its “Pay Your Friends” function. This function allows you to transfer cryptocurrency to your contacts nearly instantly and with zero fees.

Step 1. Open the App and Select “Pay”.

Step 2. Click “Send”

Step 3. Navigate Your Contacts to Select Which Friend You Wish to Send To
Note: After you've granted us permission to access your phone’s contact list, we'll check the phone numbers with our records to determine whether a phone number is registered by a user.

In cases where the contact’s phone number does not have a country code, we'll use your registered phone number’s country code and add it to your contact’s phone number.

Step 4. Select the Cryptocurrency to Send.

Step 5. Input the Amount you Wish to Send (You can add a note if you wish).

Step 6. Click to Confirm the Transaction.

Step 7. Just Like That You’ve Instantly Sent Cryptocurrency to Your Friend for no Fee.


7. MCO Visa Cards

Note: The benefits shown below are contingent on the user keeping a continuous stake of at least 1,000 CRO for a Ruby Steel Card.

The MCO Visa Card is currently available in Singapore, the United States, countries in Asia Pacific and European Union.

In order to receive one of the Premium Metal MCO Visa Cards on the app, one must lock up a predetermined number of of CRO Tokens corresponding to your card of choice (see above).

CRO Tokens that are used to reserve a card will be locked within the app for a duration of 6 months, after which you are free to do whatever you please with your denomination of CRO tokens.

MCO Visa Card Cashback

Once you receive your MCO Visa Card, you will immediately be able to enjoy up to 8% cashback (Depending on your card tier), by making purchases online and globally anywhere Visa is accepted. 

Aside from providing one of the most generous crypto card cashbacks ever seen in the industry, the cashback function also offers a number token utility.

When you make a purchase with your MCO Visa Card, the cashback you earn will always be allocated to you in the form of CRO Tokens. 

How to Reserve Your MCO Visa Card

Note: The card reservation process will look slightly different if you have yet to reserve a card and the UI/UX varies in some regions.

Step 1. Open the App and Select “Card”.

Step 2. Navigate to the Card You Would Like to Reserve (Every Card Except Midnight Blue Requires You to Stake CRO Tokens for a 6 Month Term)

Step 3. Purchase/Stake the Amount of CRO Tokens Proportional to the Card You Are Reserving.

Step 4. Congratulations! You Have Reserved Your MCO Visa Card.


9. CRO Token Utility Overview

CRO tokens are able to be used and/or earned in connection with this product by eligible persons in the following key ways: Coin (CRO) is the token that will natively run Chain. A revolutionary new payment system that is simple, beginner friendly and gaining traction as a leader in the Crypto payments industry. CRO also powers the overall ecosystem, with utility across payment, trading and financial services use cases.

The product uses QR codes to send payments simply and effectively at no cost to customers or merchants, whilst offering up to 10% cashback when paying with CRO. Now that is an incentive to pay with crypto. Chain will operate both online through the “Pay With Button” appearing at the checkout of partnered merchants, as well as offline as a simple line of code integrated into existing POS systems.

In the following video, we showcased its ability to enable instant cryptocurrency payments on existing merchant payment rails:

This utility is laid out as follows

  • Earn up to 20% cashback paying for goods online at Pay approved merchants.
  • Earn up to 10% Cashback on in app Gift Card purchases paid out in CRO Tokens to your Crypto Wallet.


10. App Overview App homepage

Once you purchase cryptocurrency in the app you’ll find it in your Crypto Wallet. Your Crypto Wallet is essentially just like the wallet in your pocket. The only difference being that instead of being filled with hyper inflationary fiat currency, it’s filled with cryptocurrency.

The app offers up to 50+ coins. These include: Chain (CRO), Bitcoin (BTC), Ethereum (ETH), Ripple (XRP), Binance Coin (BNB), Litecoin (LTC), and more! 

Example of transaction history

On the bottom section of your Crypto Wallet you will find your transaction history. This will show everything from Referral Rewards allocations to Card Cashback.
Think of this section like a bank statement. Every time crypto goes in or out of the wallet it is recorded here in a simple, easy to understand format.


11. How to Track Cryptocurrency on the App

The tracking function can also sort by many different options such as by, Large Cap, Small Cap, Top Performers, Worst Performers, High Exchange Volume and Low Exchange Volume.

Follow the steps below to build your own portfolio of coins to track. You’d be surprised the opportunities that arise when you pay close attention to the market.

Step 1. Open up Your App and Select “Track” on the Bottom Menu Bar.

Step 2. Use the Search Bar to Find the Cryptocurrency You Would Like to Track.

Step 3. Select the Cryptocurrency You are Interested in Tracking. Tap The Star in the Corner of the Window to Begin Tracking.

Step 4. Your “Starred” Coins Will Now Appear at the Top of the Tracking Section, Allowing Easy Access to Prices and Analytics at Your Fingertips.

Step 5. You Can Set Target Price Alerts or Percentage Movement Alerts by Clicking on the “Bell” Icon on the top right and Create an Alert or the “+” icon.

Step 6. Select your Desired Token

Step 7. Set Target Price Alert/Percentage Movement Alert.

Step 8. Toggle your Desired Amounts/Percentages.

Step 9. You’re all set! You can Enable/Disable the Alert as you Wish.


12. How To Use Crypto Earn

Crypto Earn is sort of like your savings account, stake your crypto and earn interest. Unlike your savings account, Crypto Earn earns you a fair interest rate (up to 18%). Crypto Earn also allows you flexibility in the way you would like to save. There are 3 different staking durations to choose from. Earn Rates:

There are 2 fixed holding options, a 1-month term and a 3-month term, as well as a flexible holding term. Users can enjoy better annual interest rate (APR) when they have CRO Tokens staked.

*PAX/TUSD/USDC are not available for Singapore users.
**USDT is not available for U.S. and Singapore users.

Without a CRO stake your yearly interest is reduced. This encourages tokens to stay on the platform.

Thanks to’s Flexible Term option you can earn up to 12% interest and have constant access to your crypto. Request a withdrawal at any point during your flexible deposit period and instantly receive your crypto, as well as the interest you’ve earned.

As a final note, If you have one of the 3 highest tier cards (10,000, 100,000 or 1,000,000 CRO Stake). Your CRO stake will earn CRO Staking Bonuses credited to you weekly. The 10,000 CRO tier receives 16% p.a. on their stake. 100,000 and 1,000,000 CRO tiers receives 18% p.a.

Depositing Crypto In Crypto Earn

Step 1. Open Your App and Navigate to the “Crypto Earn” Section.

Step 2. Click on the “+” Icon in the Top Corner.
Click on the “?” to read more info.

Step 3. Select the Cryptocurrency and Amount You Would Like to Stake.

Step 4. Select the Length of Term You Would Like to Select.

Step 5. Agree to the Crypto Earn Terms.

Step 6. Enter the Desired Amounts and Click Deposit

Step 7. You’ve Successfully Deposited Crypto Into Crypto Earn. You Will Begin Earning Interest Immediately. In The Crypto Earn Menu You Will Now Find Details on Your Current Term.


13. How To Use Crypto Credit

Crypto Credit is a fantastic alternative to a Line of Credit. One much safer and easier to obtain.

Crypto Credit allows you to take out a loan paid out in TUSD or PAX, by using each of these cryptocurrencies as collateral. The loan is then immediately available in your Wallet. The loan can then be repaid using the same stable coin in which the deposit was made.

Users decide their own repayment terms within a 12-month period. There is no fixed repayment schedule, no monthly late fees or deadlines, and users have the flexibility to repay any amount, at any time, in the 12 months upon the start of their credit term.

Collateral Health indicates whether your collateral is at risk of being liquidated, based on your current Loan-to-Value (LTV) ratio.

If your Collateral Health reaches the Poor/Critical threshold, a Margin Call will be triggered to notify you to rebalance your loan by depositing additional collateral or make a repayment.

When the LTV goes beyond the 80% threshold, 100% of your collateral will be liquidated.

Crypto Credit incurs 8% APR with a CRO stake of at least 1,000 CRO and 12% APR without CRO Staked.

How to Obtain a Crypto Credit Loan

Step 1. Open Your App and Select “Crypto Credit”.

Step 2. View the Detailed Information and Select “Deposit Now”

Step 3. Select the Cryptocurrency You Would Like to Hold as Collateral (BTC, CRO, XRP, ETH, LTC, EOS, XLM)

Step 4. Select the type (TUSD, PAX, USDC or USDT) and Amount of Cryptocurrency Your Would Like to Use as Collateral. You Will Then See the Amount You Will Receive in Credit.

Step 5. Agree to the Terms and Conditions.

Step 6. Confirm the Transaction.

Step 7. You’ve Deposited Your Crypto and Will Instantly Receive Your Credit.

Making Crypto Credit Payments

Step 1. From the Crypto Credit Homepage, Select “Pay Balance”.

Step 2. Select How Much You Would Like to Pay Back, or Select Pay Full Amount.

Step 3. Confirm Your Payment.

Step 4. The Amount You’ve Selected has Been Repaid. App approved users except citizens and residents of Hong Kong SAR, Singapore, Switzerland, Malta, or the United States of America are able to use Crypto Credit. Efforts are underway to make these products available to these jurisdictions.


14. Pay Pay is a revolutionary new payment platform that uses CRO as its native on-chain digital asset. Pay allows users to pay Online using the “Pay With” button, as well as allowing Physical Merchants to accept cryptocurrency payments using a simple QR code based payment system that can be implemented onto 99% of payment systems by simply inserting a line of code.

Above you can see a video of me using “Pay With” button on the official store.

May 3, 2019 brought us a first look at how Pay is going to operate for physical merchants. The first of which you will realize is none other than Starbucks.

As you can see in the above video, the process is just as simple, if not even simpler than it’s online counterpart. This is of paramount importance. For adoption to be pushed in today’s world, payments will need to be easy, secure and provide significant incentive to parties on both sides of the transaction (No fees and cashback).

Buying Gift Cards With CRO and Pay

On June 27, 2019, increased CRO’s token utility by allowing users to purchase gift cards using CRO and Pay. This can be accessed by clicking Pay and selecting Gift Cards.

It’s simple really. Purchase gift cards using CRO and earn up to 10% cash back in CRO Token. 


15. BG50 Referral Program offers one of the most beneficial and powerful referral programs you’ve ever seen.’s BG50 program allows users to gift referees $50 USD as well and receiving $50 USD for their efforts.

To receive your $50 USD bonus, your referee must download the app and stake a minimum of 1,000 CRO for a Premium MCO Visa Card. Upon completion of this task you will receive the above notification and you will both be paid out $50 USD worth of CRO


16. Useful Links and Social Media Channels


Did this answer your question?