Yield
Crypto.com
Crypto.com is one of the largest and most heavily regulated crypto platforms in the world. Its appeal for earners isn't the headline rate — base flexible yields are low — but the combination of broad licensing, large insurance cov…
Why this grade
- ✓ Regulation
Broadly licensed — Singapore MAS (Major Payment Institution), EU MiCA via Malta MFSA (2025), UK FCA (EMI + cryptoasset registration), US FinCEN MSB with state money-transmitter licences, plus Canada FINTRAC and Australia AUSTRAC. Source 1 → Source 2 →
- ✗ Proof-of-Reserves
A Merkle-tree reserves portal exists, but the last independent attestation (Mazars, 101–106% coverage) was December 2022; Mazars then exited crypto and no current independent auditor has been named. Source 1 → Source 2 →
- ✓ Flexible withdrawal
Flexible-term Crypto Earn can be withdrawn at any time with no lock-up; rewards accrue daily and pay out weekly. Lock-up only applies to fixed-term products. Source →
- ✓ Insurance Fund
Around $870M of insurance — $750M custodial cover for retail assets, $100M for institutional cold-storage theft (underwritten via Lloyd's of London / Aon) and $20M more. User error (phishing, wrong address) is not covered. Source →
- ✓ Track record (2+ years incident-free)
Operating since 2016. A January-2022 hack drained ~$34M from 483 accounts via a 2FA bypass — all affected users were fully reimbursed from company funds, and no comparable incident has occurred since. Source →
Incidents we count
Known incidents
1- January 2022 Attackers bypassed 2FA and withdrew ~$34M (444 BTC, 4,836 ETH + other) from 483 accounts. Crypto.com paused withdrawals, audited security, added a 24h delay for new withdrawal addresses, and fully reimbursed affected users. Source →
All Crypto.com products
Yield products
as of Jul 17, 2026| Product | Rate | Type | Lock | |
|---|---|---|---|---|
| USDT | 0.5 % | flexible | — | Open Crypto.com → |
| USDC | 0.5 % | flexible | — | Open Crypto.com → |
| BTC | 0.2 % | flexible | — | Open Crypto.com → |
| ETH | 0.2 % | flexible | — | Open Crypto.com → |
What would Crypto.com pay you?
How much will you earn?
Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.
How yields have moved
Source: daily snapshots via exchange API · accumulating since YieldScope launch
This is not an affiliate link. Price for you doesn't change.
Crypto.com review: what this platform is
Crypto.com is one of the largest and most heavily regulated crypto platforms in the world. Its appeal for earners isn't the headline rate — base flexible yields are low — but the combination of broad licensing, large insurance cover and a long operating history.
How Earn works on Crypto.com
Crypto Earn offers flexible and fixed terms. Base flexible rates are modest — about 0.5% on USDT/USDC and 0.2% on BTC/ETH. Much higher advertised rates require staking CRO and locking funds, so treat those as boosts, not the base rate you'll get by default.
How to start on Crypto.com, step by step
- 01Create an account in the Crypto.com app and complete identity verification (KYC).
- 02Deposit the asset you want to earn on (e.g. USDC or BTC).
- 03Open Crypto Earn, choose Flexible (withdraw anytime) or a fixed term, and allocate.
Should you park money here?
- +Among the most regulated exchanges — MAS, EU MiCA, UK FCA, US FinCEN and more.
- +Large insurance cover (~$870M), and it fully reimbursed users after the 2022 hack.
- +Long track record (since 2016) with no comparable incident since 2022.
- −Base Earn rates are low — you only reach competitive yields by staking CRO and locking funds.
- −No current independent proof-of-reserves audit (the Mazars attestation lapsed after December 2022).
- −Not available in many countries, including Russia, and restricted in some US states.
Compare Crypto.com with others
Asset-by-asset rates and risk grades