One way to make idle assets work harder is to put them into Crypto.com Earn – a built‑in rewards program inside the Crypto.com App. Eligible users allocate supported cryptocurrencies into flexible or fixed terms and watch rewards accumulate daily, paid out every seven days.
What is Crypto.com Earn?
Crypto.com Earn is a reward programme within the Crypto.com App that lets eligible users commit supported digital assets for a set period – flexible, 1‑month or 3‑month fixed terms. Once an allocation is active, daily rewards accrue and are credited to the user’s Crypto Wallet every 7 days, usually in the same token that was allocated.
It offers a structured route to keep crypto productive without actively trading or managing direct staking. Users can browse supported tokens, view current indicative annual rates and pick the term that suits their liquidity needs and personal preferences. However, a few points to keep in mind:
- Reward rates are variable and not guaranteed.
- Token prices can fluctuate.
- Availability depends on region, user profile and Crypto.com policies.
- The App is always the final authority on current rates and supported tokens.
Earn provides a transparent rulebook: fixed terms lock the rate at creation, while flexible terms have variable rates. Each token has its own minimum thresholds. Users decide how much to allocate and for how long.
How Crypto.com Earn works (step by step)
The flow inside the App is straightforward. You’ll see a list of supported tokens, available terms and the indicative annual reward rate for each.
1. Navigate to Crypto Earn
Tap the Menu icon, select Crypto Earn. This screen shows eligible tokens, term options and real‑time programme information.
2. Choose a supported token
BTC, ETH, CRO, USDT, USDC and other assets are typically available, though the list evolves. The App always reflects the most current selection.
3. Select a term
- Flexible (withdraw any time)
- 1‑month fixed
- 3‑month fixed
Fixed‑term rates are locked at allocation; flexible rates can vary.
4. Confirm your allocation
After reviewing the details, you confirm the allocation. The chosen amount moves from your Crypto Wallet into Earn.
5. Rewards start to accrue
- Fixed terms begin accruing immediately.
- Flexible terms begin the day after allocation.
- Rewards are calculated based on the minimum daily balance (flexible) or the fixed allocation amount.
6. Payout every 7 days
Every 7 days, accumulated rewards are automatically sent back to your Crypto Wallet, where they can be held, traded or reallocated.
7. End of term
When a fixed term matures, the principal returns to your wallet automatically. You can start a new Earn allocation or use the funds elsewhere.
Who is eligible for Crypto.com Earn?
Earn is available only to KYC‑verified Crypto.com App users and its availability varies by jurisdiction. Users from Hong Kong SAR, Switzerland, Australia, and Malta are not eligible. Feature variants such as Flash Rewards or Rewards Maximizer may be unavailable in additional markets.
Eligibility essentials:
- A successfully verified Crypto.com App account.
- Residency in a supported jurisdiction.
- Compliance with local regulations and platform policies.
Crypto.com may expand or restrict access as regulations evolve. The Earn section of the App always shows whether a user is eligible and which programs they can access.
Which cryptocurrencies are supported?
Earn supports a rotating selection of cryptocurrencies. Major assets like BTC, ETH and CRO, stablecoins such as USDC and USDT, plus certain altcoins are usually available, depending on market conditions and regional rules. The list is updated regularly in the App.
Token eligibility is also influenced by the user’s jurisdiction and their Level Up plan. Some assets may be temporarily paused or removed due to liquidity, protocol changes, regulatory requirements or Crypto.com policy updates. Stablecoins and high‑liquidity assets typically offer more term options, whereas smaller‑cap tokens may only be available for flexible allocations or not at all during certain periods.
Flexible, 1‑month and 3‑month term options
Flexible terms
Flexible allocations allow withdrawal at any time. Rewards accrue daily, starting the day after allocation, and are paid out weekly. If the balance falls below the token’s minimum threshold, reward accrual pauses until the balance recovers.
1‑month fixed term
Funds are locked for the full month. The annual reward rate is locked when the term is created. Should you redeem early (where permitted), you forfeit all rewards already paid for that term.
3‑month fixed term
The longest standard Earn term keeps assets committed for three months. Like the 1‑month term, rates are locked at creation. The same early‑redemption rules apply, except CRO‑denominated fixed terms cannot be withdrawn ahead of maturity.
Fixed vs flexible at a glance
Fixed term | Flexible term | |
Withdrawal | Locked for the full term. Early redemption (most tokens) forfeits all rewards for that term. CRO cannot be withdrawn early. | Withdraw any time. Rewards pause when balance drops below minimum. |
Rate structure | Locked at allocation and stays fixed for the full term. | Variable rate that may change over time. |
Reward accrual start | Immediately upon allocation. | One day after allocation. |
What happens at the end of the fixed term?
When a 1‑month or 3‑month term matures, the original deposit returns to the Crypto Wallet in the same cryptocurrency. There is no automatic renewal; rewards stop unless you manually create a new allocation.
- All rewards earned during the term have already been paid out weekly.
- At expiry, only the principal is returned – no additional steps required.
You can then:
- Re‑allocate into a new Earn term.
- Move the tokens into Flexible Earn.
- Withdraw or use them elsewhere in the App.
Any changes in market value affect only the value of the returned principal; rewards were calculated based on the USD value at the time of allocation.
How rewards work
Rewards follow a clear schedule: they accrue daily, are paid out every 7 days and are usually paid in the same token allocated (exception: STX pays in BTC).
Fixed‑term allocation formula:
Daily reward = Allocation amount × (Annual rewards rate ÷ 365) |
Flexible allocation formula:
Daily reward = Minimum daily balance × (Annual rewards rate ÷ 365) |
The minimum daily balance method prevents recalculations from intraday transfers. Reward history can be tracked inside the App.
Tiered rewards explained (fixed term only)
Most fixed‑term allocations fall under a three‑tier reward structure linked to the USD value of your cumulative fixed allocations. USDC and Earn Plus are excepted.
Tier 1: Full rewards rate
- Applies to the first $3,000 of eligible fixed allocations.
Tier 2: 50% of Tier 1 rate
- Applies to the next $27,000 (i.e., $3,001–$30,000).
Tier 3: 30% of Tier 2 rate
- Applies to any eligible fixed allocation above $30,000.
Keep in mind: tiers apply only to fixed terms, not flexible. The USD value fluctuates with market prices, affecting tier placement. Fixed‑term rates are locked at the moment of allocation. Tiered Rewards do not apply to Earn Plus or USDC.
What is Earn Plus?
Earn Plus is an expanded version of Earn tailored for users allocating larger stablecoin amounts. At the time of writing it supports USDT and USDC, though the list may grow. Two key differences stand out:
1. No tiered rewards
The displayed rate applies directly to the entire allocation (up to Earn Plus limits). Tier 1, 2, 3 are skipped.
2. Higher allocation limits
Each user can allocate up to:
- $2,000,000 total per token.
- $500,000 per token into fixed terms, regardless of Level Up plan.
Earn Plus is still subject to all other Earn conditions – jurisdiction restrictions, rate variability, token price risk. It simply provides higher caps with a simplified reward structure.
The Level Up program: how it affects Earn
Level Up plans dictate how much a user can allocate to Earn and the indicative annual rates shown in the App. Membership tiers are tied to the amount of CRO locked or staked; higher tiers may unlock better Earn benefits for eligible fixed‑term allocations.
Some Level Up Private users may qualify for additional CRO rewards on fixed‑term allocations. According to the latest Earn programme terms, an extra 2% p.a. enhancement (paid in CRO) applies only to Private members who applied for their card before November 5, 2024 and have not upgraded to the current Level Up experience. This enhancement does not apply to Earn Plus.
Allocation limits and minimums
Maximum allocation limits (standard Earn)
Level Up tier | CRO Lock/Stake requirement | Max allocation for standard Earn | Notes |
Private: $500,000 tier | Lock/stake $500,000 equivalent in CRO | Up to $2,000,000 | Highest standard limit |
Private: $50,000 tier | Lock/stake $50,000 equivalent in CRO | Up to $1,000,000 | Enhanced cap vs Pro and lower tiers |
Pro and below | Varies by level | Up to $500,000 | Default cap for most users |
USDC allocations are exempt from this table.
Minimum allocation amounts
Each token has a minimum required to start a fixed‑term allocation:
- 0.005 BTC
- 0.15 ETH
- 250 USDC or 250 USDT
- 500 CRO
Flexible terms also carry minimum balance thresholds (e.g., 0.0005 BTC, 0.015 ETH, 25 USDC). Dropping below those pauses reward accrual until the balance recovers.
Early withdrawals and term maturity
Fixed‑term early withdrawal
For most tokens, you can redeem early but you’ll receive only the original deposit and forfeit all rewards already paid under that term.
Amount returned = Original deposit – Total rewards paid out |
CRO exception
CRO fixed terms cannot be withdrawn early; funds stay locked until maturity.
Flexible‑term withdrawals
Flexible funds can be redeemed any time via: Earn → Portfolio → Select Flexible term → Withdraw → Confirm.
At maturity
At term end, the principal returns to the Crypto Wallet automatically; rewards already paid weekly remain yours.
Flash Rewards: short‑term promotional campaigns
Flash Rewards are limited‑time offers giving special rates on selected tokens with a short lock‑up (e.g., 7 or 14 days). Each campaign specifies: supported token, start/end time, lock period, promotional rate, per‑user min/max allocation, and total campaign cap (which closes the programme once filled).
- Flash Rewards do not follow the tiered reward structure.
- You can only join one Flash programme at a time.
- Availability varies greatly by region (not accessible to US, UK, Japan, Korea and markets where Earn is unavailable).
- Rewards accrue daily and pay out weekly, just like other Earn allocations.
Promotional in nature, Flash Rewards may be amended, paused or ended at Crypto.com’s discretion.
Rewards Maximizer: one‑click reward allocation
Rewards Maximizer is a convenience layer that lets you allocate multiple eligible tokens into Earn with a single confirmation. It scans your Crypto Wallet, identifies assets eligible for Earn and presents a consolidated screen.
- The App lists all eligible tokens held in the wallet.
- Filters (e.g., Flexible only, up to 1‑month terms) help narrow the selection.
- You pick the tokens and amounts to include.
- An estimated reward summary is shown before you confirm.
- Once confirmed, all allocations follow standard Earn terms.
No extra fees apply; you can cancel or modify before confirming. Availability depends on your region. Essentially, Maximizer is a timesaver on top of the existing Earn mechanics.
Crypto Earn vs staking vs DeFi vs Supercharger: a comparison
Feature | Crypto.com Earn | On‑chain staking | DeFi yield (Onchain) | Supercharger |
Custody | Centralized (Crypto.com holds assets) | Self‑custody or validator custody | Fully self‑custodial (user controls keys) | Centralized (Crypto.com pool) |
How rewards work | Daily accrual, paid every 7 days; rates shown in‑app | Delegated tokens earn protocol staking rewards | Supplying liquidity or staking in smart contracts; returns depend on protocol activity | Deposits during a ‘Charging Period’ earn a share of event rewards |
Reward predictability | Indicative annual rates shown (not guaranteed) | Varies with network inflation, validator performance, slashing | Highly variable; depends on protocol conditions and smart‑contract risk | Variable, depends on pool size and participation |
Term options | Flexible, 1‑month, 3‑month | Depends on token; some have unbonding periods | No fixed term, entry/exit possible anytime (protocol dependent) | Event‑based charging and reward periods |
Risks | Platform risk, token price movement | Slashing, validator downtime, token volatility | Smart contract risk, impermanent loss, protocol risk | Rewards vary with participation; token price risk |
Key control | No control; Crypto.com holds assets | Yes, if using self‑custody | Full control of private keys | No control; assets in Crypto.com pool |
Suitable for | Users wanting a simple, guided reward program | Those familiar with network‑level staking | Those comfortable with Web3 wallets and DeFi protocols | Those interested in event‑style reward campaigns |
Taxes and record‑keeping
In many jurisdictions, Earn rewards may be considered taxable. Treatment varies by country, asset type and how the funds are used. This is not tax advice; consult a qualified professional.
- Some jurisdictions treat rewards as income upon receipt.
- Capital gains or losses may apply when allocated assets change in value.
- Users are generally responsible for keeping accurate records of allocations, reward payouts and withdrawals.
- The Crypto.com App provides downloadable transaction history to aid record‑keeping, but users should verify completeness for their specific tax situation.
Risks and important considerations
While Earn offers a structured way to participate, it comes with risk. Consider the following carefully:
1. Token price risk
Cryptocurrencies can rise or fall; rewards may not compensate for losses.
2. Rate variability
Annual rates can change at any time for new allocations and are not guaranteed.
3. Liquidity and lock‑up risk
Fixed terms lock funds; early redemption (where allowed) forfeits all rewards for that term. CRO fixed terms cannot be redeemed early.
4. Jurisdiction restrictions
Availability of Earn, Earn Plus, Flash Rewards and Maximizer depends on local regulations.
5. Platform policy changes
Crypto.com may revise or discontinue programs, adjust rates or update eligibility rules at its discretion.
Earn is not a bank account or savings product. Evaluate your risk tolerance and do your own research before participating.
Related Crypto.com features worth exploring
Onchain (self‑custody Earn)
Users who prefer to hold their own keys can explore Earn on Crypto.com Onchain, a decentralized (non‑custodial) offering that routes deposits into DeFi protocols. You remain the direct custodian of your assets.
Supercharger
For those interested in promotional campaigns with variable outcomes, Supercharger offers time‑bound events where you deposit tokens into a pool and may receive rewards in a featured token. It has separate terms, caps and risk profile.
Level Up and Rewards Hub
The Level Up program and Rewards Hub help you track and unlock benefits across the ecosystem, including enhanced Earn rates for eligible users and tier‑based perks. Rewards Hub centralizes insights in‑app.
FAQs about Crypto.com Earn
When are rewards paid? Rewards accrue daily and are paid every 7 days to your Crypto Wallet. Check ‘Total Earnings’ in the Earn section at any time.
Are rewards paid in the same token I allocate? Yes, generally. An exception is STX, which pays in BTC.
Can I withdraw from a fixed term early? No. Fixed terms (1‑month, 3‑month) are locked until maturity. Flexible terms can be withdrawn at any time.
What if rates change mid‑term? For fixed terms the rate is locked. If your Level Up plan changes, the updated rate applies the next day for the remainder of the term.
How are tier quotas filled? Quotas fill in order – Tier 1 first, then Tier 2, then Tier 3 – based on USD value at allocation time. Price fluctuations can shift quota usage.
Is Earn Plus separate from Earn tiers? Yes. Earn Plus uses a single rate and does not follow the three‑tier structure. It also has its own allocation caps.
Can I lose money using Earn? Token prices can fall; early fixed‑term withdrawals forfeit rewards. There is no principal protection.
Which tokens are supported? The list varies by jurisdiction and over time; the App’s Earn page always shows the current list.
Are Earn rewards the same as staking rewards? Not necessarily. Some Earn tokens may be sourced from staking, but Earn is a separate in‑app reward program with its own terms.
Can I participate in multiple Earn programs at once? Yes, you can maintain multiple flexible or fixed allocations, subject to allocation limits and tiered reward rules.
Where do I see eligible tokens and rates? All supported tokens and indicative rates appear inside the App; the website shows only high‑level examples.
Do Flash Rewards count toward tier quotas? No, Flash Rewards allocations are separate and do not consume standard tier quotas.
Who can join Flash Rewards? Only users in eligible jurisdictions, typically excluding US, UK, Japan, Korea and regions where Earn isn’t available, and KYC is required. Each campaign’s Help Center page lists exact eligibility.