What is Crypto.com Earn and how does it work?

One way crypto investors maximize assets sitting idle in their wallets is to allocate them to Crypto.com Earn: A program inside the Crypto.com App that eligible users can commit crypto to fixed or flexible terms and accrue rewards over time.

What is Crypto.com Earn?

Crypto.com Earn is a reward program within the Crypto.com App that allows eligible users to allocate supported cryptocurrencies for a set duration; either flexible, 1-month or 3-month fixed terms. 

Once an allocation is active, rewards accrue daily and are paid out every 7 days, usually in the same token the user committed.

It presents a structured way to keep crypto productive without trading or staking directly. Users can browse supported tokens, view current indicative rewards rates and choose terms based on availability and personal preference.

Some crucial information to take note of:

• Rewards are variable, not guaranteed.
• Token values 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.

What Earn provides is a set of transparent rules: Fixed terms have locked rates, flexible terms don’t. 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 Earn flow is built for clarity. Once inside the App, users see a list of supported tokens, the available terms and the indicative annual rewards rate for each. 

Here’s how the process unfolds:

1. Navigate to Crypto Earn

Open the Crypto.com App and tap the ‘Menu’ icon, then select ‘Crypto Earn’. This displays eligible tokens, terms and real-time program information.

2. Choose a supported token

BTC, ETH, CRO, USDT, USDC and several other assets are typically available, but supported tokens change over time. The list in the app reflects the most current status.

3. Select a term

Each token may support different term lengths:

• Flexible (can withdraw anytime)
• 1-month fixed
• 3-month fixed

Fixed-term rates are locked in at the moment of allocation. Flexible terms have variable rates.

4. Confirm your allocation

After reviewing the details, you’ll then confirm the allocation. The chosen amount moves from your Crypto Wallet into Crypto Earn.

5. Rewards start to accrue

• Fixed terms begin accruing immediately.
• Flexible terms begin accruing the day after the allocation.
• Rewards compile based on the minimum daily balance or fixed-term amount.

6. Payout every 7 days

Every 7 days, accumulated rewards are sent back to your Crypto Wallet in the Crypto.com App, where they can be held, traded or reallocated.

7. End of term

When a fixed term matures, the principal returns to the wallet automatically. You may choose to start a new Earn allocation or use the funds elsewhere.

Who is eligible for Crypto.com Earn?

Crypto.com Earn is available only to approved, Know-Your-Customer (KYC)-verified Crypto.com App users and its availability varies by jurisdiction.

Note that users from certain regions – including Hong Kong SAR, Switzerland, Australia, and Malta – are not eligible for Earn. Other Earn features, such as Flash Rewards or Rewards Maximizer, may be unavailable in additional markets.

Eligibility requirements include:

• 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 availability as regulatory conditions evolve. The Earn section of the app will always reflect whether a user is eligible and which programs they can access.

Which cryptocurrencies are supported?

Crypto.com Earn supports a rotating selection of cryptocurrencies, ranging from major assets such as BTC, ETH and CRO, to stablecoins like USDC and USDT. There are also additional altcoins depending on market conditions and regional rules. 

The list is updated regularly in the Crypto.com App.

Token eligibility depends on a 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.

It’s common for stablecoins and high-liquidity assets to offer more term options, while smaller-cap tokens may be Flexible-only or unavailable during certain periods.

Flexible, 1-month and 3-month term options

Crypto.com Earn offers three primary types of terms. Each behaves differently in terms of flexibility, reward structure and user control.

Flexible terms

Flexible allocations allow users to withdraw their crypto at any time. Rewards accrue daily (starting the day after allocation) and are paid weekly. If an allocation falls below the token’s minimum threshold, reward accrual pauses until the balance rises again.

Flexible terms are suited for users who value liquidity and frequent access to their funds.

1-month fixed term

1-month terms lock the chosen token for the entire duration. The annual rewards rate is locked at the time of allocation and the commitment remains until maturity unless the user withdraws early, where permitted. Early redemption forfeits all rewards previously paid for that term.

3-month fixed term

This is the longest standard term in Earn. Users commit their assets for a full three months. As with 1-month terms, rates are locked at creation. Early withdrawals apply the same rules as above, except for CRO, which cannot be redeemed early.

Fixed vs flexible terms at a glance

What happens at the end of the fixed term?

When a fixed-term allocation (1-month or 3-month) ends, the original amount you deposited is automatically returned to your Crypto Wallet in the same cryptocurrency. The term doesn’t auto-renew, and your funds do not continue accruing rewards unless you manually create a new allocation.

Reward payout behavior:

• Rewards earned during the term have already been credited to your Crypto Wallet every seven days.
• At term expiry, only the principal allocation is returned; no additional action is required.

You can then choose to:

• Re-allocate the asset into a new Earn term.
• Move it into ‘Flexible Earn’.
• Withdraw or use it elsewhere in the App.

If the token’s market value has changed since the allocation began, this affects only the value of the returned principal, not the reward calculation (which was based on your allocation’s USD value at the start of the term).

How rewards work

Rewards in Crypto.com Earn follow a predictable schedule. They’re accrued daily, paid out every 7 days and paid in the same token allocated (with exceptions such as STX, which pays in BTC).

Rewards begin accruing:

• Immediately for fixed terms.
• One day after allocation for flexible terms.

Rewards stop if the user withdraws the full amount or drops below the token’s minimum threshold for flexible allocations.

Reward calculation formula

Crypto.com uses simple daily accrual formulas.

For fixed-term allocations:

For flexible allocations:

The minimum daily balance method prevents multiple reward recalculations from intraday transfers.

Users can track their reward history directly within the Crypto.com App.

Tiered rewards explained (applies to fixed term only)

Most fixed-term allocations in Crypto.com Earn fall under a three-tier reward structure tied to the USD value of a user’s cumulative fixed-term allocations. This structure applies to many tokens, with notable exceptions such as USDC and Earn Plus allocations.

Here’s how the tiers work:

Tier 1: Full rewards rate

• Applies to the first US$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.

What to note:

• Tiers apply only to fixed terms, not flexible terms.
• The USD value of token allocations changes with market price, affecting tier placement.
• Fixed-term rates are locked at the moment of allocation.
• Tiered Rewards do not apply to Earn Plus or USDC.

These tiers help decide how much of a user’s allocation receives the full rate versus reduced rates for larger amounts.

Explore Crypto.com Earn in the App

Check out the latest supported tokens and their respective indicative rewards directly in the Crypto.com App. Start earning potential rewards with Earn.

What is Earn Plus?

Earn Plus is an expanded version of Crypto.com Earn designed for users allocating larger amounts of stablecoins. At the time of writing, Earn Plus supports USDT and USDC, though the list may evolve.

Earn Plus introduces two major differences from the main Earn program:

1. No tiered rewards structure

For Earn Plus, the displayed rate is applied directly to the entire allocation (up to Earn Plus limits). In other words, Tier 1, Tier 2 and Tier 3 don’t apply.

2. Higher allocation limits

Each user can allocate up to:

• $2,000,000 per token total.
• $500,000 per token into fixed terms regardless of the Level Up plan.

Earn Plus is still subject to all other Earn conditions, including jurisdiction restrictions, reward variability and token price risk. It’s simply a higher-limit variant with a simplified rewards structure.

The Crypto.com Level Up program: How it affects Earn

Crypto.com’s Level Up plans influence how much a user can allocate to Earn and the indicative annual rewards rates displayed in the App. Level assignments are tied to a user’s CRO lock or stake amount (depending on jurisdiction) and higher tiers may offer enhanced Earn benefits on eligible fixed-term allocations.

Level Up Private and Earn: Important notes

Some Level Up Private users may be eligible for additional CRO rewards on fixed-term Earn allocations. The exact enhancement depends on a user’s Level Up plan, jurisdiction and when they entered the Private program.

• According to the latest Earn programme terms, an additional 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 Crypto.com Level Up experience.
• These enhancements do not apply to Earn Plus allocations.

Users can review their personal Level Up plan and Earn-related benefits directly in the App.

Allocation limits and minimums

Crypto.com Earn has clear allocation limits that vary depending on the Level Up plan. These limits define the maximum amount of crypto users can commit across all standard Earn programs.

Maximum allocation limits (standard Earn programs)

USDC allocations are exempt from this maximum table.

Minimum allocation amounts

Every supported token has a minimum amount required to start a fixed-term allocation.

• 0.005 BTC
• 0.15 ETH
• 250 USDC or 250 USDT
• 500 CRO

Flexible terms also have minimum balance thresholds. If a balance falls below this threshold, reward accrual pauses until the balance rises again (e.g., 0.0005 BTC, 0.015 ETH, 25 USDC).

Allocation limits and minimums are periodically updated, so the App view should always be treated as current.

Early withdrawals and term maturity

Crypto.com Earn fixed terms are designed as locked allocations, but withdrawal rules vary depending on the asset.

Fixed-term early withdrawal

For most tokens, users can redeem early, but they’ll:

• Receive only the original deposit.
• Forfeit all rewards previously paid under that term.

CRO exception

CRO fixed-term allocations can’t be withdrawn early. Funds remain locked until the term completes.

Flexible-term withdrawals

Flexible allocations can be redeemed at any time. Withdrawal is done via:

What happens at maturity

When a fixed term ends, the entire allocation automatically returns to the user’s Crypto Wallet. Rewards accrued during the period will already have been paid out weekly.

Flash Rewards: Short-term promotional campaigns

Flash Rewards are limited-time reward programs offering special rates on selected tokens for a short lock-up period (e.g., 7 or 14 days).

Flash campaigns would usually specify:

• Supported token
• Start and end time
• Lock term
• Promotional rate
• Minimum and maximum allocation per user
• Total campaign cap (program closes once full)

What to note:

• Flash Rewards don’t follow Earn’s Tiered Rewards structure.
• Users can only participate in one Flash program at a time.
• Campaign availability varies significantly by region (e.g., not available in the US, UK, Japan, Korea and markets where Earn is unavailable).
• Rewards accrue daily and pay weekly, like other Earn allocations.

Flash Rewards are promotional and may be amended, paused or ended at Crypto.com’s discretion.

Rewards Maximizer (maximize rewards with a click)

Rewards Maximizer is a convenience feature that helps users allocate multiple eligible tokens into Earn with just one confirmation. It scans the user’s Crypto Wallet, identifies assets eligible for Earn and presents a consolidated allocation screen.

How it works:

1. The App lists all eligible tokens held in the wallet.
2. Filters (e.g., Flexible only, up to 1-month terms) can narrow the selection.
3. The user chooses the tokens and amounts to include.
4. The App shows an estimated reward summary before confirmation.
5. All allocations follow standard Earn terms once confirmed.

What to note:

• There are no additional fees for using the feature.
• Users can cancel or modify selections before confirming.
• Feature availability depends on the user’s region.

Rewards Maximizer isn’t a different reward program; think of it as a layer of convenience placed on top of existing Earn mechanics.

Crypto Earn vs staking vs DeFi vs Supercharger: What’s the difference?

Taxes and record-keeping

Rewards from Crypto.com Earn may be considered taxable in many jurisdictions and tax treatment can differ depending on the user’s country, the type of asset and how the asset is used or transferred. 

This article doesn’t provide tax advice; users should consult a qualified tax professional for guidance.

General educational notes:

• Some jurisdictions may treat Earn rewards as income at the moment they’re received.
• Capital gains or losses may also apply when allocated assets change in value.
• Users are generally responsible for keeping accurate records of allocation amounts, reward payouts and withdrawals.
• The Crypto.com App provides downloadable transaction history, which may support personal record-keeping, though users should verify completeness for their specific tax requirements.

Because global tax rules for digital assets evolve quickly, it may be prudent to rely on official tax guidance in their jurisdiction.

Risks and important considerations

Crypto.com Earn offers a structured way to participate in reward programs, but it isn’t without risk. The following should be carefully considered:

1. Token price risk

Crypto assets can rise or fall in value. Rewards may not offset the loss in value.

2. Rate variability

Annual rewards rates can change at any time for new allocations. They’re not guaranteed.

3. Liquidity and lock-up risk

Fixed-term allocations commit funds for a set period. Early withdrawal (where allowed) forfeits all rewards for that term. CRO fixed-term allocations can’t be withdrawn early.

4. Jurisdiction restrictions

Availability of Earn, Earn Plus, Flash Rewards and Rewards Maximizer depends on local regulations.

5. Platform policy changes

Crypto.com may revise or discontinue programs, adjust rate tables or update eligibility rules at its discretion.

It’s important to note that Crypto.com Earn isn’t a bank account or savings product. Users should evaluate their risk tolerance and conduct independent research before participating in any crypto rewards program.

Explore Crypto.com Earn in the App

Check out the latest supported tokens and their respective indicative rewards directly in the Crypto.com App. Start bagging potential rewards with Earn.

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 Crypto.com Earn in the App, users remain the direct custodian of their wallets and assets.

Supercharger

For users interested in promotional reward campaigns with variable outcomes, Crypto.com Supercharger offers time-bound events where participants deposit eligible tokens into a pool and may receive rewards in a featured token. Supercharger has its own terms, caps and risk profile distinct from Crypto.com Earn.

Level Up and Rewards Hub

The Crypto.com Level Up program and Rewards Hub help users track and unlock benefits across the ecosystem, including enhanced Earn rates for eligible users and Level Up tiers. Rewards Hub centralizes rewards insights in-app, while Level Up governs who qualifies 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 your accumulated payouts at any time under ‘Total Earnings’ in the Earn section of the App.

Are rewards paid in the same token I allocate?

Yes, rewards are generally paid in the same cryptocurrency you allocated. 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 can’t be withdrawn early. Flexible-term allocations, on the other hand, can be withdrawn at any time.

What happens if rates change mid-term?

For fixed-term allocations, the rate is locked at the moment you create the term. If your ‘Level Up’ plan changes, the updated rate applies the next day for the remainder of the term.

How do tier quotas get filled?

Tier quotas are filled in order: Tier 1 first, then Tier 2, then Tier 3. They’re calculated using the USD value at allocation time, meaning quota usage can fluctuate if token prices move.

Is Earn Plus separate from Earn tiers?

Yes. Earn Plus uses a single rewards rate and does not follow Tier 1, 2, 3 structures. It also has its own separate allocation caps.

Can I lose money using Earn?

As with any crypto product, token prices can fall and early withdrawals from fixed terms may result in forfeited rewards.

Which tokens are supported?

Supported tokens vary over time and by jurisdiction. The ‘Earn’ page in the Crypto.com App always displays 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-term allocations, subject to allocation limits and Tiered Rewards rules.

Where do I see eligible tokens and rates?

All supported tokens and their indicative annual rewards rates appear inside the Crypto.com App. The website lists only high-level examples (‘up to’ rates), so the App is the definitive reference.

Do Flash Rewards count toward tier quotas?

No. Flash Rewards allocations don’t count toward the Earn tier quotas that apply to standard fixed-term allocations. They’re separate, campaign-based events.

Who can join Flash Rewards?

Flash Rewards are available only to users in eligible jurisdictions. They typically exclude residents of the US, UK, Japan, Korea and any region where Earn isn’t available and require KYC.

Each campaign’s ‘Help Center’ page lists its exact eligibility criteria.

Important information: The content provided highlights certain features of the Crypto.com Earn program. For additional information please visit here. Supercharger, Earn and staking rewards, fee reduction, and other benefits referenced in this article may be subject to eligibility requirements, token holdings and may change at the discretion of Crypto.com.

This information does not constitute financial or investment advice. All forecasting methods, scenarios, and examples are illustrative and subject to market uncertainty. It is essential to do research and due diligence to make the best possible judgment, as any purchases shall be your sole responsibility.

Level Up rewards and availability are subject to terms and conditions and jurisdiction. Certain rewards and benefits are available only in eligible markets and may vary by region. See https://crypto.com/us/levelup  details.