Last rate change:10 seconds ago Review Pros and Cons. Is safe?

Are you interested in cryptocurrency and want an unbiased, in-depth evaluation of In this tutorial, we give you our honest opinion.

Dean Fankhauser16 min read

Our take

4 out of 5 stars is a full-featured crypto platform that provides a variety of services and a large selection of digital assets at low fees. Cronos Coin holders can access the best deals on the platform. Overview

ProductsLending · Loans · Staking · Wallets · Exchange · Card
Interest RatesUp to 0.4% APY on Stablecoins, 0.2% on BTC
Mobile AppYes - iOS & Android
Available in USAYes - some geo-restrictions apply
InsuredYes - $750 million
Trading Fees0.04–0.20%
Withdrawal FeesVaries by crypto
Interest PaidWeekly

Platforms like have also seen significant growth in the last three years. As the demand for cryptocurrencies has increased, so too has the demand for platforms that facilitate the buying and selling of these digital assets. and other exchanges have benefited from this demand and have seen an increase in users and trading volume. This growth is likely to continue as the cryptocurrency industry continues to expand.

What is is a digital asset platform that offers a range of financial services, including the ability to buy, sell, and store cryptocurrencies, as well as lending, borrowing, and staking options. It is designed to make it easy for users to access and use cryptocurrency, whether they are new to the space or experienced traders.

The platform also offers a variety of tools and resources to help users manage their cryptocurrency investments and make informed decisions. is headquartered in Hong Kong and is available to users in a number of countries around the world.

The company also offers a flexible debit card that allows customers to spend cryptocurrencies anywhere Visa is accepted. Furthermore,'s CRO token, which was recently renamed to Cronos token, provide consumers with a stunning 5% cashback incentive.

A Brief History of, formerly known as Monaco, is a Hong Kong-based cryptocurrency platform that was founded in 2016. The company's goal was to make it easier for people to buy, sell, and use cryptocurrencies, and it initially focused on the development of a prepaid debit card that could be used to spend cryptocurrencies like Bitcoin and Ethereum.

In 2017, the company rebranded as and launched a new platform that included a range of cryptocurrency-related products and services, including a cryptocurrency exchange, a mobile wallet, and a suite of tools for merchants looking to accept cryptocurrencies as payment.

Since its founding, has attracted a large following and has become one of the most well-known and respected companies in the cryptocurrency industry. It has also raised millions of dollars in funding from investors and has gained a reputation for its strong security measures and commitment to compliance.

What does offer? remains best known for its great Visa card, which makes cryptos conveniently mainstream. The company offers a wide range of features and services. Many customers are surprised to find out that the platform also provides access to:

  • Crypto Pay
  • app
  • Crypto Earn
  • Crypto Credit
  • exchange
  • DeFi wallet
  • CRO Token

Let's review each of these features and what they mean for customers using the platform.

Crypto Pay

You can buy gift cards for a variety of popular businesses with Crypto Pay. You can also use it to load cryptos onto your phone. In the near future, expect these functionalities to extend, allowing shops to accept Bitcoin (BTC) and other popular cryptos. With this, can soon expand to the crypto payments space for businesses seeking the best fiat to crypto gateways available, as they won't have to settle for just any other crypto services. Gift Card

The App

The app allows you to sell and buy a growing number of cryptocurrencies at real-time exchange rates. This program can also be used to store, receive, and send cryptocurrency.

The ability to buy and sell crypto, such as bitcoin at a genuine cost has been the app's standout feature. It's worth mentioning, though, that if you want to save money, you'll have to pay with a bank transfer rather than a credit card. app

Crypto Earn

What is the most important information you should know about Crypto Earn? This function allows users to earn up to 6% interest on their cryptocurrency deposits, proving to be a lucrative option for hodlers. This appealing method of making money on the crypto exchange continues to draw a steady stream of new users. Earn in CRO, Stablecoins, or your preferred cryptocurrencies such as ETH and BTC.

More: How interest rates compare.

Crypto Credit

With Crypto Credit, you can fuel your Visa card while earning credit in CRO. It's as simple as making crypto deposits to your Visa card account. So, if you know to deposit crypto to your account, you will find this process easy. Exchange

When you use the company's exchange for your trades and investments, you'll enjoy low trading fees of up to 0.1 percent for takers and 0.04 percent for the makers, which depends on your 30-day trading volume. You can benefit from further reduced trading fee if you stake minimum of 5000 CRO tokens on If you do, you will get a 10% discount on the maker and taker fee. And you can manage all of these activities and transactions from the convenience of your laptop or desktop. Trading Fees

When it comes to trading fees, is among the leading crypto platforms that charge comparatively low fees thanks to its large trading volume. The trading fees you will have to pay will depend on your 30-day trading volume. If it is within $0-$25000, your maker fees and the taker fees will be 0.4% of your transaction value. If your 30-day trading volume is $200,000,001 and above, then 0.04% maker fees and 0.01% taker fees will apply to all your transactions. Currently, they are offering a 10% off on maker and taker fees. Trading Fees DeFi Wallet - A Better Alternative to Other Decentralized Crypto Exchanges?

The lure of decentralized finance of pretty hard to ignore even for large crypto exchanges, such as Therefore, it also launched a DEX for crypto users who prefer them over their centralized counterparts.

When you set up a account, you'll gain access to a DeFi wallet where you can store cryptocurrencies in a user-custodial wallet. What does this mean? A DeFi ensures you own the wallet and have control over its private keys.

What's more, consumers can connect this wallet with "DeFi Swap." DeFi Swap lets you swap between tokens. That way, you can earn interest in your cryptos.

Cronos Coin (CRO),'s Native Token

The current price is $0.4909 per CRO, -50.87% from the all-time high of $0.965. The current circulating supply of CRO tokens is 25,263,013,692.

What You Need to Know About the App: An Overview

Besides the Visa card, also received plenty of attention for its app, available for iOS and Androids. What does the app allow customers to do? It lets you buy, store, sell, and transfer more than 90 different digital currencies.

And unlike other exchanges and platforms that don't deal in fiat, you don't have to purchase cryptos before funding your wallet.

You can use USD, EUR, and GBP, and more to buy Bitcoin (BTC), Ethereum (ETH), Ripple (XRP), and Litecoin (LTC) along with an assortment of other popular cryptos. But the options don't stop there. You can exchange between cryptos, too.

In other words, whether you're starting in fiat currency or other cryptos, can help. What's more, the platform has made it easy, simple, and quick to navigate.

Better yet, the platform lets you buy these cryptos at true cost without getting charged any additional fees.

For this reason, remains one of the cheapest places to purchase Bitcoin if you live in the UK. It's also an excellent choice for those residing in Singapore, Canada, the EU, and the US.

What else can you do with the app? It permits you to track the performance of hundreds of digital assets. This tool lets you maintain a visual on previous price movements in fiat currency or BTC. You can also set up alerts.

Metal Visa Cards Card

Let's take a look at's most popular product, the Visa Card before we get into some of the other advantages that customers enjoy when they use it. This card allows you to spend crypto online and in stores while also earning rewards in the form of CRO.

It offers a high level of convenience because it can be used everywhere that accepts the Visa brand. In other words, it is accepted almost 100 million retailers and enterprises globally. ATMs all across the world do as well, making it great for tourists.

What if you decide to open a crypto account through You'll need to choose between a range of different Visas.

If you'd like to gain access to multiple benefits while getting the highest cashback possible, you'll need to stake CRO in the app on your card of choice. These cards provide you with competitive cashback on all spending.

Want to learn more? Read our in-depth review of the Visa Card.

How safe is to use?

We've already discussed in this review how takes all the necessary security measures to ensure safety on its platform. Nevertheless, your account won't enjoy the same insurance protections (FDIC insurance or SIPC). Of course, this is true of cryptocurrency exchanges and platforms across the board.

You should also bear in mind that is not a US-based enterprise. Instead, it's headquartered in Hong Kong where financial regulations prove quite different.

The platform relies on a Secure Software Development Lifecycle. These software analysis tools keep a constant eye on the code. It's quality controlled and peer-reviewed by a full-time staff.

The software also gets audited by external certifications via Certik and Quantstamp for smart contracts. It's worth noting that started with a mixed reputation in its early years.


To ensure that its user funds remain safe, stores 100% of the crypto assets of its users in cold storage. Also, it is a must to set up a two factor authentication on its platform.

From 2017 to 2019, some people even accused the company of being a scam. Since these early, difficult years, has worked hard to prove it's a legitimate platform, and provide extensive security features to make crypto users feel at ease while interacting with any of its crypto products.'s Customer Service

Multiple options are available when supporting and answering customer service questions. These options help customers to feel supported in their trading experience at

For example, you'll see a dedicated instant chat service when you head over to the platform's home page. This chat service is attended to 24/7 by a bot, permitting you to leave a message and further contact information. Customer Support Twitter Post

The support team will get back to you, which usually takes no more than a couple of hours. If you have any questions about the service, it may also help to browse the company's FAQ section. Here you'll find detailed answers to many of the most common questions customers ask.

Are these issues enough to make you think twice about Not necessarily. But you'll need to weigh these problems carefully against the pluses of this platform.

Compare interest rates

PlatformInterest Rates (APY)
Up to 7% on BTC
Up to 12% on Stablecoins
... 36 more coins
Go to site →
Up to 5% on BTC
Up to 0.08% on Stablecoins
... 153 more coins
Go to site →
Up to 3.05% on BTC
Up to 8.33% on Stablecoins
... 56 more coins
Go to site →
Up to 0.2% on BTC
Up to 0.4% on Stablecoins
... 37 more coins
Go to site →

Is worth your attention? offers a limited number of assets to trade on its site. Beyond the market, you'll get access to a large ecosystem with new opportunities to earn, save, and trade.

The platform's costs and commissions are still relatively low, and the trading interface is simple and easy to use. These traits are critical for recruiting traders and promoting as a popular and accessible trading platform.

Overall, is a well-respected digital asset platform that offers a wide range of services at low fees. However, it may not be suitable for everyone, depending on their individual needs and preferences.

How does compare to other platforms? Check out our comprehensive list of cryptocurrency platforms now. We hope you liked our review.

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