Crypto.com is a major crypto platform regulated under MiCA in the EU, with additional licences from Singapore's MAS and Dubai's VARA. Its sign-up reward is paid in CRO, the platform's own token, and is earned by hitting trading-volume milestones, so the realistic value for a typical new user is modest. It is unavailable in the UK, Singapore, South Korea and Uganda.
Risk warning: Trading carries a high risk of losing money, especially with leveraged products such as CFDs. A bonus does not reduce that risk. Only deposit what you can afford to lose.
Crypto.com
New Crypto.com users who join with a referral code and trade earn a sign-up reward paid in CRO, realistically about $5 to $15 for a typical user, up to roughly $50.
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Crypto.com started in Hong Kong in 2016 under the name Monaco, founded by Kris Marszalek, Bobby Bao, Gary Or and Rafael Melo. The company rebranded to Crypto.com in 2018 after buying the domain, and it now runs out of Singapore. It has grown into one of the largest crypto platforms globally, with reported user counts above 100 million.
The business spans a mobile trading app, a separate exchange product for higher-volume traders, a Visa card program, a DeFi wallet and an NFT marketplace. It is privately held and has never gone public.
Crypto.com's EU business, run through a Malta entity, holds a MiCA license from Malta's MFSA, issued in January 2025, making it one of the first major exchanges with full MiCA authorization; that license passports services across the EU and EEA. In Singapore, Crypto.com holds a Major Payment Institution license from the MAS, and it holds a VARA license in Dubai.
In the UK, Crypto.com is registered with the FCA as a cryptoasset business, a registration rather than a full authorization, and separately holds a UK e-money license. In the US, it operates as a FinCEN-registered money services business with money transmitter licenses in most individual states.
Most retail users interact with the Crypto.com app rather than the exchange interface. The Crypto.com Visa Card is the platform's best-known product outside crypto circles, backed by sponsorships including the naming rights to the Crypto.com Arena in Los Angeles and a Formula 1 partnership. Card tiers require staking CRO, the platform's own token, or paying a monthly subscription, in exchange for cashback on spending. As of mid-2026 the entry-level card pays 1.5% back with a monthly spend cap, and higher tiers require larger CRO stakes with a 180-day lock-up; unstaking removes the card's benefits. These rates are well below the double-digit figures Crypto.com advertised when the card launched; the company cut rewards sharply in 2023 as CRO's price fell.
Crypto.com Earn lets users lock crypto or stablecoins for a fixed term or hold flexibly in exchange for yield paid in the same asset. Fixed terms pay more than flexible ones.
Crypto.com's standing sign-up incentive is a referral program, not a flat welcome bonus. A new user has to register with a referral code, pass advanced (photo ID plus selfie) verification, and then hit trading-volume milestones within 30 days. Both the new user and the referrer earn CRO at each milestone. In the top country tier, which includes the US and several EU countries, the schedule pays $5 in CRO at $100 traded, up to $75 at $5,000 traded. Lower country tiers pay less. A separate $25 bonus, available in every tier, rewards staking CRO or subscribing to the paid Level Up Pro plan.
The realistic payout for someone who trades a small amount is in the $5 to $15 range, not the larger numbers used in marketing. Because rewards are paid in CRO rather than dollars, their value moves with the token price after they are credited. The program caps out at 100 successful referrals and $10,000 in total referral earnings per user. Crypto.com also runs separate time-limited campaigns, such as mystery-box style rewards for hitting undisclosed volume milestones; reward ranges for those are not published in advance and unclaimed rewards expire.
The referral program, and by extension the main sign-up reward, is unavailable in the United Kingdom, Singapore, South Korea and Uganda, and Canada has had temporary windows where it was disabled. Advanced verification is required before any trading-volume milestone counts; basic email-only verification is not enough.
Signing up with a referral code makes a user ineligible for any separate standalone welcome-bonus program running at the same time, so check which promotion actually pays more before choosing a link. Card cashback tiers and staking thresholds have changed more than once, so an old review's numbers may not match current terms. Anyone staking CRO for a card tier should expect the 180-day lock before they can unstake without losing benefits.
Yes, though the specific license depends on the region. Its Malta entity holds a MiCA license covering the EU and EEA, its Singapore entity holds a Major Payment Institution license from MAS, and its Dubai entity holds a VARA license. In the UK it is registered with the FCA as a cryptoasset business, and in the US it operates as a FinCEN-registered money services business with state licenses.
For most new users, somewhere between $5 and $15 in CRO. The published schedule tops out at $75 in the highest country tier for someone who trades $5,000 in volume within 30 days, but that is a ceiling, not a typical outcome.
No. The core referral reward is earned through trading-volume milestones. Staking CRO, or paying for a Level Up Pro subscription, unlocks a separate $25 add-on reward on top.
Crypto.com cut card cashback rates significantly in 2023 after CRO's price fell, and tier requirements have been adjusted since. Older reviews often quote the original, higher rates, which no longer apply. Check the current tier structure on Crypto.com's own card page before funding a tier.
No. The referral program, which is how most users access a Crypto.com sign-up reward, is not available in the United Kingdom, along with Singapore, South Korea and Uganda.
Advanced verification: a government-issued photo ID and a live selfie. Basic, email-only verification is not sufficient to start the 30-day trading-milestone clock.