Crypto.com Earn is an in-app feature that lets eligible users allocate supported cryptocurrencies into different terms and potentially receive rewards.
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.
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:
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.
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:
Open the Crypto.com App and tap the ‘Menu’ icon, then select ‘Crypto Earn’. This displays eligible tokens, terms and real-time program information.
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.
Each token may support different term lengths:
Fixed-term rates are locked in at the moment of allocation. Flexible terms have variable rates.
After reviewing the details, you’ll then confirm the allocation. The chosen amount moves from your Crypto Wallet into Crypto Earn.
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.
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.
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:
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.
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.
Crypto.com Earn offers three primary types of terms. Each behaves differently in terms of flexibility, reward structure and user control.
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 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.
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 term | Flexible terms | |
Withdrawal | Can withdraw anytime. Rewards stop when the balance drops below the minimum threshold. | Locked for the entire term. Early withdrawal is allowed for most tokens but forfeits all rewards for that term. CRO cannot be withdrawn early. |
Rate structure | Variable rewards rate that may change over time. | Rate is locked at the moment of allocation and stays fixed for the full term. |
Reward accrual start | Begins one day after allocation. | Begins immediately upon allocation. |
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:
You can then choose to:
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).
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:
Rewards stop if the user withdraws the full amount or drops below the token’s minimum threshold for flexible allocations.
Crypto.com uses simple daily accrual formulas.
For fixed-term allocations:
Daily reward = Allocation amount × (Annual rewards rate ÷ 365) |
For flexible allocations:
Daily reward = Minimum daily balance × (Annual rewards rate ÷ 365) |
The minimum daily balance method prevents multiple reward recalculations from intraday transfers.
Users can track their reward history directly within the Crypto.com App.
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:
What to note:
These tiers help decide how much of a user’s allocation receives the full rate versus reduced rates for larger amounts.
Check out the latest supported tokens and their respective indicative rewards directly in the Crypto.com App. Start earning potential rewards with Earn.
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:
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.
Each user can allocate up to:
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.
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.
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.
Users can review their personal Level Up plan and Earn-related benefits directly in the App.
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.
Level Up tier | CRO Lock or stake requirement | Maximum allocation limit for standard Earn | Notes |
Private: $500,000 tier | Lock or stake $500,000 equivalent in CRO | Up to $2,000,000 | Highest allocation limit available for standard Earn programmes. |
Private: $50,000 tier | Lock or stake $50,000 equivalent in CRO | Up to $1,000,000 | Enhanced cap compared to Pro and lower tiers. |
Pro and below | Varies by level | Up to $500,000 | Default maximum allocation limit for most users. |
USDC allocations are exempt from this maximum table.
Every supported token has a minimum amount required to start a fixed-term allocation.
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.
Crypto.com Earn fixed terms are designed as locked allocations, but withdrawal rules vary depending on the asset.
For most tokens, users can redeem early, but they’ll:
Amount returned = Original deposit – Total rewards paid out |
CRO fixed-term allocations can’t be withdrawn early. Funds remain locked until the term completes.
Flexible allocations can be redeemed at any time. Withdrawal is done via:
Earn → Portfolio → Select Flexible term → Withdraw → Confirm |
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 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:
What to note:
Flash Rewards are promotional and may be amended, paused or ended at Crypto.com’s discretion.
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:
What to note:
Rewards Maximizer isn’t a different reward program; think of it as a layer of convenience placed on top of existing Earn mechanics.
Feature | Crypto.com Earn | On-chain staking | DeFi yield (Onchain) | Crypto.com Supercharger |
Custody | Centralized (Crypto.com holds assets during term) | Self-custody or validator custody, depending on setup | Fully self-custodial (user controls private keys) | Centralized (Crypto.com pool) |
How rewards work | Rewards accrue daily and are paid every 7 days. Rates are shown in-app. | Users delegate tokens to validators and may receive protocol staking rewards. | Users supply liquidity or stake tokens in smart contracts Returns depend on protocol activity. | Users deposit tokens into a pool during a ‘Charging Period’ and receive a share of event rewards. |
Reward predictability | Indicative annual rates shown upfront (not guaranteed). | Varies based on network inflation, validator performance and slashing events. | Highly variable. Depends on protocol conditions, liquidity and smart-contract risks. | Variable, depends on pool size and individual participation. |
Term options | Flexible, 1-month, 3-month | Depends on the token. Some have unbonding periods. | No fixed term. Entry and exit can happen at any time, depending on protocol. | Event-based ‘Charging’ and ‘Reward’ periods |
Risks | Platform risk, token price movement | Network slashing, validator downtime, token volatility | Smart contract risk, impermanent loss, protocol risk | Rewards vary with pool participation. Token price movement. |
User control of keys | No control. Crypto.com holds assets during the term. | Yes, if using self-custody. | Users have full control of private keys. | No control. Assets are deposited into Crypto.com’s pool. |
May be suitable for | Users wanting a simple, guided way to earn rewards on supported tokens. | Users comfortable with network-level staking mechanics. | Users familiar with Web3 wallets and DeFi protocols. | Users interested in event-style reward campaigns. |
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:
Because global tax rules for digital assets evolve quickly, it may be prudent to rely on official tax guidance in their jurisdiction.
Crypto.com Earn offers a structured way to participate in reward programs, but it isn’t without risk. The following should be carefully considered:
Crypto assets can rise or fall in value. Rewards may not offset the loss in value.
Annual rewards rates can change at any time for new allocations. They’re not guaranteed.
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.
Availability of Earn, Earn Plus, Flash Rewards and Rewards Maximizer depends on local regulations.
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.
Check out the latest supported tokens and their respective indicative rewards directly in the Crypto.com App. Start bagging potential rewards with 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.
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.
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.
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.
