What is Crypto.com Earn?
Crypto.com Earn is a reward program inside the Crypto.com App that allows eligible, KYC-verified users to deposit supported cryptocurrencies into flexible or fixed-term allocations (1-month or 3-month) and accrue rewards over time. Once an allocation becomes active, rewards are calculated daily and paid out every 7 days, usually in the same cryptocurrency that was deposited.
This program provides a structured way to keep crypto productive without actively trading or staking on-chain. Users can browse supported tokens, check indicative annual rewards rates, and choose a term that fits their liquidity needs and risk preference. However, it’s important to remember that reward rates are variable, token values can change, and availability depends on the user’s region and Crypto.com’s policies. The App itself is always the final authority on current rates and supported assets.
How Crypto.com Earn works (step by step)
The Earn flow is designed for clarity. After opening the App, users are presented with a list of supported tokens, available terms, and indicative annual percentage yields. The process unfolds in seven straightforward steps:
1. Navigate to Crypto Earn
Tap the Menu icon in the Crypto.com App and select “Crypto Earn.” This screen displays all eligible tokens, term options, and real-time information about the program.
2. Choose a supported token
Commonly supported assets include BTC, ETH, CRO, USDT, and USDC, but the exact list is updated regularly. Always refer to the App for the most current selection.
3. Select a term
Each token may offer flexible terms (withdraw anytime), 1‑month fixed terms, or 3‑month fixed terms. Fixed-term rates are locked at the moment of allocation, while flexible-term rates remain variable.
4. Confirm your allocation
After reviewing the details, 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. For flexible allocations, rewards are based on the minimum daily balance, while fixed terms use the allocated amount.
6. Payout every 7 days
Every 7 days, accumulated rewards are automatically transferred to your Crypto Wallet, where they can be held, traded, or reallocated into a new Earn term.
7. End of term
When a fixed term matures, the principal is returned to your wallet automatically. You can then start a new Earn allocation or use the funds elsewhere in the App.
Who is eligible for Crypto.com Earn?
Earn is available only to approved, KYC-verified Crypto.com App users residing in supported jurisdictions. Several regions are excluded, including Hong Kong SAR, Switzerland, Australia, and Malta. Additional features like Flash Rewards or Rewards Maximizer may also be restricted in certain markets. To participate, you must have a fully verified account, reside in an eligible region, and comply with local regulations and platform policies. As regulatory landscapes evolve, Crypto.com may expand or limit availability; the Earn section of the App always reflects your current eligibility.
Which cryptocurrencies are supported?
The list of supported tokens is dynamic and includes major assets like BTC, ETH, and CRO, stablecoins such as USDC and USDT, and occasionally other altcoins based on market conditions and regional rules. Token eligibility also depends on your jurisdiction and your Level Up plan. Some assets may be temporarily paused due to liquidity, protocol changes, or compliance requirements. Generally, stablecoins and highly liquid tokens offer more term options, while smaller-cap coins may be available only as flexible allocations.
Flexible, 1-month and 3-month term options
Earn provides three term choices, each with a different balance of flexibility and reward structure.
Flexible terms
Flexible allocations let you withdraw your crypto at any time. Rewards accrue daily starting the day after allocation and are paid weekly. If your balance falls below the token’s minimum threshold, reward accrual pauses until the balance rises again. This option suits those who value liquidity.
1-month fixed term
Funds are locked for one month, and the annual rewards rate is fixed at the moment of allocation. Early withdrawal is allowed for most tokens, but you forfeit all rewards previously paid for that term.
3-month fixed term
This is the longest standard term, locking assets for three months. The rate is locked at creation, and early withdrawal follows the same rules as the 1‑month term, except for CRO, which cannot be redeemed early.
Fixed vs flexible terms at a glance
| Fixed term | Flexible term | |
|---|---|---|
| Withdrawal | Locked for the entire duration. Early withdrawal is usually permitted but results in loss of all rewards for that term; CRO cannot be withdrawn early. | Can withdraw anytime. Rewards stop when the balance drops below the minimum threshold. |
| Rate structure | Rate is locked at the moment of allocation and remains fixed for the full term. | Variable rate that may change over time. |
| Reward accrual start | Begins immediately upon allocation. | Begins one day after allocation. |
What happens at the end of the fixed term?
When a fixed-term allocation (1-month or 3-month) ends, your original deposit is automatically returned to your Crypto Wallet in the same cryptocurrency. There is no auto-renewal; rewards stop unless you manually create a new allocation. During the term, your rewards were already paid out every 7 days, so at maturity only the principal is returned. You can then re‑allocate the asset into a new Earn term, move it to Flexible Earn, or use it elsewhere in the App. If the token’s market value has changed, that affects only the value of the returned principal, not the reward calculation (which is based on the USD value at the start of the term).
How rewards work
Rewards adhere to a predictable cadence: daily accrual, weekly payout every 7 days, and payment in the same token allocated (with STX being an exception, as it pays in BTC). Accrual begins immediately for fixed terms and one day later for flexible terms. Rewards stop if you fully withdraw or (for flexible allocations) drop below the minimum balance threshold.
Reward calculation formulas
Fixed-term:
| Daily reward = Allocation amount × (Annual rewards rate ÷ 365) |
Flexible:
| Daily reward = Minimum daily balance × (Annual rewards rate ÷ 365) |
Using the minimum daily balance prevents recalculation from intraday transfers. You can track your reward history directly in the App.
Tiered rewards explained (applies to fixed term only)
Most fixed-term allocations use a three-tier reward structure based on the cumulative USD value of your eligible fixed-term allocations. Important exceptions are USDC and Earn Plus, which do not follow this tier system.
Tier 1: Full rewards rate applies to the first $3,000 of eligible fixed-term allocations.
Tier 2: 50% of Tier 1 rate applies to the next $27,000 (from $3,001 to $30,000).
Tier 3: 30% of Tier 2 rate applies to any eligible fixed-term allocations above $30,000.
Because token values fluctuate, your tier placement can change. Fixed-term rates are locked when you create the allocation.
What is Earn Plus?
Earn Plus is an expanded version of Earn designed for users allocating larger amounts of stablecoins. At the time of writing, it supports USDT and USDC. Unlike the standard Earn program, Earn Plus has no tiered rewards— the displayed rate applies to the entire allocation (up to its own limits). It also offers higher caps: up to $2,000,000 per token in total, and up to $500,000 per token in fixed terms, regardless of your Level Up plan. Earn Plus remains subject to all other Earn conditions, including jurisdiction restrictions, variable rates, and price risk.
The Crypto.com Level Up program: How it affects Earn
Your Level Up plan determines your maximum allocation limits and may influence the indicative rewards rates shown in the App. Higher tiers can unlock enhanced Earn benefits for eligible fixed-term allocations. Notably, some Level Up Private users who applied for their card before November 5, 2024, and haven’t upgraded to the current Level Up experience may receive an additional 2% p.a. enhancement paid in CRO on fixed-term Earn allocations. This enhancement does not apply to Earn Plus. Check your personal Level Up status and Earn-related perks directly in the App.
Allocation limits and minimums
Earn enforces maximum allocation limits tied to your Level Up tier. The table below outlines the standard Earn caps:
| Level Up tier | CRO lock/stake requirement | Max standard Earn allocation | Notes |
|---|---|---|---|
| Private: $500,000 tier | $500,000 equivalent in CRO | Up to $2,000,000 | Highest limit for standard Earn |
| Private: $50,000 tier | $50,000 equivalent in CRO | Up to $1,000,000 | Enhanced cap vs. Pro and lower tiers |
| Pro and below | Varies | Up to $500,000 | Default limit for most users |
USDC allocations are exempt from these maximums. Minimum amounts to start a fixed-term allocation include 0.005 BTC, 0.15 ETH, 250 USDC/USDT, and 500 CRO. Flexible terms also have minimum balance thresholds (e.g., 0.0005 BTC, 0.015 ETH, 25 USDC) and rewards pause if the balance sinks below them. All limits are subject to change; the App always shows the latest figures.
Early withdrawals and term maturity
While fixed terms are designed as locked allocations, most tokens allow early redemption—but with a significant penalty: you forfeit all rewards previously paid for that term, and only the original deposit is returned. CRO fixed-term allocations, however, cannot be withdrawn early. Flexible-term withdrawals are unrestricted and can be initiated anytime via Earn → Portfolio → Select Flexible term → Withdraw → Confirm. At maturity, the principal automatically returns to your wallet, and any rewards earned have already been paid out weekly.
Flash Rewards: Short-term promotional campaigns
Flash Rewards are limited-time campaigns that offer attractive rates on specific tokens for short lock-up periods, typically 7 or 14 days. Each campaign specifies the supported token, promotional rate, lock term, per-user minimum/maximum, and a total campaign cap. Important rules: Flash Rewards do not use the tiered rewards structure; you can only join one Flash campaign at a time; and availability is highly regional (e.g., not available in the US, UK, Japan, Korea, and other markets where Earn is unsupported). Rewards accrue daily and pay out weekly like other Earn allocations.
Rewards Maximizer (maximize rewards with a click)
Rewards Maximizer is a convenience feature that lets you allocate multiple eligible tokens into Earn with a single confirmation. It scans your Crypto Wallet, lists all assets that can be placed in Earn, and allows you to filter by term type. After selecting tokens and amounts, you see an estimated reward summary before confirming. There are no extra fees, and you can cancel or adjust selections before finalizing. Once confirmed, each allocation follows standard Earn rules. The feature is simply a time-saving layer on top of the existing Earn mechanics and its availability depends on your region.
Crypto Earn vs staking vs DeFi vs Supercharger: What’s the difference?
| Feature | Crypto.com Earn | On-chain staking | DeFi yield | Supercharger |
|---|---|---|---|---|
| Custody | Centralized (Crypto.com holds assets) | Self-custody or validator custody | Fully self-custodial | Centralized (Crypto.com pool) |
| Reward mechanism | Daily accrual, paid every 7 days; rates shown in-app | Delegating tokens to validators; rewards depend on network conditions | Providing liquidity or staking in smart contracts; returns driven by protocol activity | Deposit during a Charging Period, receive a share of event rewards |
| Reward predictability | Indicative rates shown but not guaranteed | Variable based on network inflation, validator performance, and slashing | Highly variable; influenced by protocol usage and smart-contract risk | Variable; depends on pool size and individual participation |
| Term options | Flexible, 1‑month, 3‑month | Unbonding periods may apply | No fixed term; enter/exit anytime | Event-based Charging and Reward periods |
| Risks | Platform risk, token price movement | Slashing, validator downtime, token volatility | Smart-contract risk, impermanent loss, protocol risk | Variable rewards, token price movement |
| Control of keys | No control | Yes, when using self-custody | Users hold full control | No control |
| Best for | Users wanting a simple, guided reward experience | Users comfortable with network staking mechanics | Users familiar with Web3 wallets and DeFi protocols | Users interested in campaign-style rewards |
Taxes and record-keeping
Rewards from Earn may be taxable in many jurisdictions, often considered income at the time of receipt. Capital gains or losses may also arise from asset value changes. Users are responsible for maintaining accurate records of allocations, reward payouts, and withdrawals. The Crypto.com App offers downloadable transaction histories that can assist with record-keeping, though you should verify completeness for your tax requirements. Because digital asset tax rules are evolving rapidly, it’s wise to consult a qualified tax professional and follow official guidance in your jurisdiction.
Risks and important considerations
While Earn provides a structured path to earn rewards, it carries several risks: token prices can decline, potentially wiping out any gains; reward rates can change at any time for new allocations; fixed-term allocations lock up funds and early redemption (where allowed) forfeits all rewards; CRO fixed terms cannot be withdrawn early; program availability depends on local regulations; and Crypto.com may modify or discontinue programs at its discretion. Importantly, Earn is not a bank account or savings product. Always assess your own risk tolerance and conduct independent research before participating.
Related Crypto.com features worth exploring
Crypto.com 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 integrated DeFi protocols. Unlike the in‑App Earn, you remain the direct custodian of your wallet and assets.
Supercharger
For promotional reward campaigns with variable outcomes, Crypto.com Supercharger runs time‑bound events where participants deposit eligible tokens into a pool and may receive rewards in a featured token. Its terms, caps, and risk profile are distinct from Earn.
Level Up and Rewards Hub
The Level Up program and Rewards Hub help you track and unlock ecosystem benefits, including enhanced Earn rates for eligible users. Rewards Hub centralizes in-app reward insights, while Level Up governs qualification for specific perks.
FAQs about Crypto.com Earn
When are rewards paid? Rewards accrue daily and are paid every 7 days into your Crypto Wallet. You can track cumulative payouts under “Total Earnings” in the Earn section.
Are rewards paid in the same token? Yes, generally. The main exception is STX, which pays rewards in BTC.
Can I withdraw from a fixed term early? No. Fixed-term allocations (1-month or 3-month) are locked until maturity and cannot be withdrawn early. Flexible-term allocations, however, can be withdrawn at any time.
What if rates change mid‑term? Fixed-term rates are locked at creation. If your Level Up plan changes, the updated rate applies from the next day for the remainder of the term.
How do tier quotas get filled? Tiers are filled in order: Tier 1 first, then Tier 2, then Tier 3. The USD value at allocation time determines quota usage, so price movements can shift your tier position.
Is Earn Plus separate from Earn tiers? Yes. Earn Plus uses a single rewards rate and its own allocation caps, with no Tier 1/2/3 structure.
Can I lose money using Earn? Yes—token prices can fall, and early withdrawal from fixed terms results in forfeited rewards.
Which tokens are supported? Supported tokens vary over time and by jurisdiction. The Earn page in the App always displays the current list.
Are Earn rewards the same as staking rewards? Not necessarily. While some Earn tokens may be sourced from staking, Earn is a separate in‑app program with its own terms.
Can I participate in multiple Earn programs at once? Yes, subject to allocation limits and tiered rewards rules.
Where can I see eligible tokens and rates? All supported tokens and indicative annual rates appear inside the App; the website only lists high-level examples, so the App is the definitive reference.
Do Flash Rewards count toward tier quotas? No. Flash Rewards allocations are separate, campaign-based events and do not count toward standard fixed-term tier quotas.
Who can join Flash Rewards? Only users in eligible jurisdictions—typically excluding the US, UK, Japan, Korea, and regions where Earn is unavailable—and KYC is required. Each campaign’s Help Center page lists exact eligibility criteria.
Important information: This content highlights certain features of the Crypto.com Earn program. Supercharger, Earn and staking rewards, fee reductions, and other benefits referenced may be subject to eligibility requirements, token holdings, and can change at Crypto.com’s discretion. This does not constitute financial or investment advice. All forecasting methods, scenarios, and examples are illustrative and subject to market uncertainty. Do your own research and due diligence, as any purchases are your sole responsibility. Level Up rewards and availability are subject to terms and conditions and jurisdiction. See https://crypto.com/us/levelup for details.