Your crypto journey starts here

Cryptocurrency is a type of digital money that doesn't rely on a bank or government to keep it running. Instead of physical coins or bills, it exists entirely as digital data. It works through a technology called blockchain, which you can imagine as a giant, digital ‘record book’ that’s shared across thousands of independent computers worldwide.

What makes this system unique is that it is decentralized, meaning no single person or company is in charge. Instead of trusting a bank to protect your funds, the system uses ‘cryptography’ – a high-level form of digital security – to lock your money so that only you can access it with your private digital key.

Bitcoin (BTC) is the first and most widely recognized cryptocurrency. Created in 2009 by an anonymous entity known as Satoshi Nakamoto, it introduced the concept of a decentralized digital currency. Often referred to as ‘digital gold’, Bitcoin is used as both a potential store of value and a medium of exchange.

The most straightforward way to buy crypto as a beginner is through a secure mobile app. To get started, you need to download a reputable platform like the Crypto.com App, create an account and verify your identity. From there, you can link a payment method (such as a US bank account, debit card or mobile wallet), select your cryptocurrency and execute your trade.

Learn more about buying crypto in the US.

Many platforms offer built-in ways to earn crypto rewards without outright buying them. Common methods include earning sign-up and referral bonuses for joining a platform or inviting friends. 

You can also use crypto cards, like the Crypto.com Visa Card, to earn cryptocurrency rewards on everyday purchases. Or, participate in learn-and-earn programs that reward you with small amounts of various tokens for completing short educational modules.

Buying crypto usually refers to purchasing digital assets to hold them over the long term as an investment, a strategy often called holding or ‘HODLing’. Crypto trading is a more active approach, where users frequently buy and sell cryptocurrencies with the aim to capitalize on short-term market price fluctuations.

Learn more about investing in crypto.

The best crypto app depends on your financial goals, but top-tier apps usually combine regulatory compliance, a wide selection of assets, low fees and strong security. The Crypto.com App is widely considered a top choice for millions of users because it provides a seamless mobile experience, deep liquidity and robust security certifications.

It depends. Reputable crypto apps use advanced encryption, multi-factor authentication (MFA) and keep the vast majority of digital assets in offline cold storage. However, safety varies by platform, so it’s crucial to use apps that are fully compliant with US regulations and maintain transparent security practices.

You don’t need a large amount of money to get started. Because cryptocurrencies are highly divisible, you can buy a fraction of a single coin. On the Crypto.com App, you can start buying crypto with as little as a few dollars, making it highly accessible for beginners.

App users in the US have several flexible options to fund their crypto purchases. You can buy crypto using ACH bank transfers, wire transfers, debit and credit cards, or digital options like Apple Pay and Google Pay. Alternatively, you can fund your account by transferring existing crypto from an external wallet.

Crypto trading fees vary depending on the platform, your chosen payment method and your trading volume. For instance, funding your account with an ACH bank transfer is typically free (though other costs and a spread may apply), while purchasing instantly with a debit card usually incurs a percentage-based fee. Trading platforms also charge small execution fees, which often scale down as your trading volume increases.

Crypto.com prioritizes asset protection and is built on a foundation of robust privacy and compliance. It’s the first cryptocurrency company in the world to achieve comprehensive, industry-leading security certifications, including ISO 22301, ISO 27001 and SOC 2 Type II. Plus, 100% of user cryptocurrencies are held offline in cold storage.

Yes, the Crypto.com App is widely available across the United States. It currently supports users in 49 states and several US territories, strictly adhering to local regulatory frameworks to ensure a fully compliant trading environment.

Buying crypto on the Crypto.com App is designed to be straightforward and intuitive. Simply open the App, tap ‘Buy’ on the home screen and select the cryptocurrency you want to buy. Next, choose your preferred payment method, such as your fiat wallet, card or Apple/Google Pay. Finally, review the transaction details and confirm the purchase using your biometric verification or passcode.

The most cost-effective way to fund your Crypto.com account is by transferring USD directly from your bank. You can use instant deposit to link your bank account via Plaid for immediate access to trading funds while the transfer settles in the background. Alternatively, you can opt for a standard, zero-fee* ACH bank transfer that takes a few business days to settle – or use a wire transfer, which is suitable for funding your account with larger amounts.

* Other fees or a spread may apply.