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Crypto.com vs Gemini is one of the most common comparisons for crypto traders in 2026. Crypto.com is the better choice for most traders — it offers lower fees (maker fees from 0.25%), supports 350+ cryptocurrencies, and provides a feature-rich ecosystem including a Visa card, staking, and DeFi tools. Gemini is the better choice for security-focused U.S. traders who value regulatory compliance, especially in New York where Crypto.com is unavailable.
Below, we compare every dimension that matters: fees, supported assets, security, features, mobile experience, and more — all with current 2026 data.
| Feature | Crypto.com | Gemini |
|---|---|---|
| Founded | 2016 (Hong Kong) | 2014 (New York) |
| Users | 100M+ | 13M+ |
| Supported Coins | 350+ | 70+ |
| Maker / Taker Fees | 0.25% / 0.30% | 0.20% / 0.40% |
| Fiat Currencies | 20+ | 7 |
| Countries | 100+ | 60+ |
| U.S. Availability | 49 states (not NY) | All 50 states |
| Mobile App | iOS & Android | iOS & Android |
| Visa/Debit Card | Yes (up to 5% cashback) | Yes (Gemini Credit Card) |
| Staking | Yes (25+ coins) | Yes (limited) |
| NFT Marketplace | Yes | No (shut down) |
| Insurance | $750M cold storage insurance | Hot wallet insurance + FDIC for USD |
| Security Certifications | ISO 27001, SOC 2 Type II, PCI DSS v4.0 | SOC 1 & SOC 2 Type II (first crypto exchange) |
Fees: Crypto.com vs Gemini
Crypto.com charges lower trading fees than Gemini for most users. On the Crypto.com Exchange, base-tier maker fees start at 0.25% and taker fees at 0.30% for traders with under $10,000 in 30-day volume. High-volume traders ($10M+) pay 0% maker fees. Staking CRO tokens unlocks additional fee discounts of up to 10%.
Gemini's ActiveTrader platform charges 0.20% maker and 0.40% taker fees at the base tier. While Gemini's maker fee is slightly lower than Crypto.com's, the taker fee is significantly higher. Gemini's retail interface is far more expensive, charging up to 1.49% plus a 0.50% convenience fee on transactions over $200.
| Fee Type | Crypto.com | Gemini |
|---|---|---|
| Maker Fee (base tier) | 0.25% | 0.20% |
| Taker Fee (base tier) | 0.30% | 0.40% |
| Retail/Simple Buy Fee | ~0.50% spread | 1.49% + 0.50% convenience |
| Crypto Deposit | Free | Free |
| Fiat Deposit (ACH/Bank) | Free | Free |
| Credit/Debit Card Deposit | 2.99% | 3.49% |
| Crypto Withdrawal | Network fees apply | 10 free withdrawals/month |
| Fiat Withdrawal | Free (ACH) | Free (ACH) |
| Fee Discounts | CRO staking (up to 10% off) | Volume-based only |
Fee verdict: Crypto.com wins on overall value. Its taker fees are lower, the retail spread is much cheaper than Gemini's convenience fee model, and CRO staking provides additional discounts. Gemini has a slight edge on maker fees and offers 10 free crypto withdrawals per month — a valuable perk for users who frequently move assets off-exchange.
Supported Cryptocurrencies
Crypto.com supports over 350 cryptocurrencies, making it one of the largest exchanges by asset selection. This includes all major tokens (BTC, ETH, SOL, ADA, XRP, DOGE) plus hundreds of altcoins, DeFi tokens, and newer projects. Crypto.com also lists its native CRO token, which unlocks ecosystem benefits like fee discounts and higher card rewards.
Gemini takes a more curated approach with approximately 70+ supported cryptocurrencies. Every asset undergoes Gemini's rigorous listing review process to ensure regulatory compliance. While this means fewer options, it provides greater confidence that listed tokens have passed thorough due diligence.
Asset verdict: Crypto.com wins decisively with 5x more supported coins. If you're looking for emerging altcoins or niche DeFi tokens, Crypto.com is the clear choice. Gemini is better if you prefer a vetted, quality-over-quantity approach.
Security and Regulation
Gemini is one of the most heavily regulated cryptocurrency exchanges in the world. Founded by Cameron and Tyler Winklevoss in 2014, Gemini operates as a New York Trust Company regulated by the New York Department of Financial Services (NYDFS). It was the first cryptocurrency exchange to achieve SOC 1 Type 2 and SOC 2 Type II compliance. Gemini stores the majority of customer funds in air-gapped cold storage and carries insurance on its hot wallet.
Crypto.com holds an extensive set of security certifications including ISO 27001, ISO 27701, ISO 22301, PCI DSS v4.0, and SOC 2 Type II. The platform maintains 1:1 reserve backing verified by third-party Proof of Reserves audits. Crypto.com carries $750 million in cold storage insurance through Lloyd's of London. However, Crypto.com experienced a $30 million security breach in January 2022 — all affected users were fully reimbursed within days.
| Security Feature | Crypto.com | Gemini |
|---|---|---|
| Cold Storage | Yes (majority of funds) | Yes (air-gapped) |
| Insurance | $750M cold storage | Hot wallet insurance + FDIC for USD |
| SOC 2 Type II | Yes | Yes (first in crypto) |
| Proof of Reserves | Yes (third-party verified) | Yes |
| 2FA | Yes | Yes |
| Hardware Key Support | No | Yes (YubiKey) |
| Address Allowlisting | Yes | Yes |
| Regulatory Status | Licensed in multiple jurisdictions | NYDFS-regulated Trust Company |
| Past Breaches | $30M hack (Jan 2022, fully reimbursed) | No major breaches |
Security verdict: Gemini wins on security and regulatory compliance. Its NYDFS regulation, clean security track record, hardware key support, and status as the first SOC-certified crypto exchange make it the top choice for security-conscious traders. Crypto.com has strong security infrastructure but the 2022 breach and less stringent regulatory framework put it slightly behind.
Trading Features and Tools
Crypto.com offers a comprehensive trading ecosystem. The Crypto.com Exchange provides advanced order types (limit, market, stop-limit, OCO), margin trading with up to 10x leverage, and a derivatives platform for futures and perpetual contracts. The separate Crypto.com App offers a simplified buy/sell interface, recurring purchases, and price alerts. Crypto.com also operates a DeFi wallet for decentralized trading and yield farming.
Gemini provides two distinct trading interfaces: the standard web/mobile platform for simple buy/sell operations, and ActiveTrader for advanced trading. ActiveTrader includes advanced charting tools, multiple order types (limit, market, stop-limit, fill-or-kill, immediate-or-cancel), and real-time market data. Gemini also offers staking on select assets and Gemini Earn (a crypto lending program).
Trading features verdict: Crypto.com wins with more trading options including margin trading, derivatives, and DeFi integration. Gemini ActiveTrader is solid but more limited in scope.
Crypto Card and Rewards
The Crypto.com Visa Card is one of the platform's standout features. It offers up to 5% cashback on purchases paid in CRO, free Spotify and Netflix reimbursements (at higher tiers), airport lounge access, and no annual fees. Card tiers are unlocked by staking CRO tokens — from the free Midnight Blue card (no staking required, 0% cashback) up to the Obsidian card ($400,000 CRO stake, 5% cashback).
Gemini offers the Gemini Credit Card, which earns up to 4% back in crypto rewards on dining purchases, 3% on groceries, and 1% on other purchases. The card has no annual fee and rewards are automatically deposited in your choice of 60+ cryptocurrencies. Unlike Crypto.com, Gemini's card doesn't require staking any tokens to unlock reward tiers.
Card verdict: Both cards are competitive. Crypto.com offers higher maximum cashback (5%) but requires significant CRO staking. Gemini's card is simpler with no staking requirement and strong category-based rewards.
Mobile App and User Experience
Crypto.com's mobile app is the platform's primary interface, rated 4.6/5 on the App Store and 4.2/5 on Google Play. It provides access to trading, the Visa card dashboard, staking, DeFi wallet, NFT marketplace, and Crypto.com Pay — all within a single app. The interface is feature-dense, which can feel overwhelming for beginners but powerful for experienced users.
Gemini's mobile app is rated 4.3/5 on the App Store and 3.8/5 on Google Play. It offers a clean, intuitive interface with quick buy/sell functionality, portfolio tracking, price alerts, and access to ActiveTrader charts. Gemini's simpler design makes it more approachable for beginners, though it lacks the breadth of features found in Crypto.com's app.
Mobile app verdict: Crypto.com wins on features. Gemini wins on simplicity and beginner-friendliness.
Payment Methods
Crypto.com supports a wide range of payment methods including bank transfers, wire transfers, credit cards, debit cards, PayPal, Apple Pay, Google Pay, and crypto deposits. It supports 20+ fiat currencies making it highly accessible for international users.
Gemini accepts ACH transfers, wire transfers, debit cards, PayPal, Apple Pay, Google Pay, and crypto deposits. Gemini supports 7 fiat currencies (USD, GBP, EUR, CAD, AUD, HKD, SGD). ACH deposits and withdrawals are free, making it cost-effective for U.S. users.
Payment methods verdict: Crypto.com wins with more payment options and broader fiat currency support.
Customer Support
Crypto.com offers 24/7 live chat support through its app and email support. Response times are generally fast, and the platform maintains an extensive help center with guides and FAQs. Crypto.com also has an active presence on social media for community support.
Gemini provides email support, a knowledge base, and live chat during business hours. Gemini's support has improved in recent years, though response times can be slower than Crypto.com's 24/7 chat. Gemini also offers phone support for institutional clients.
Support verdict: Crypto.com wins with 24/7 live chat availability.
Who Should Choose Crypto.com?
Choose Crypto.com if you:
- Want access to 350+ cryptocurrencies and emerging altcoins
- Value a feature-rich ecosystem (Visa card, staking, DeFi, NFTs)
- Trade actively and want competitive taker fees
- Want margin trading or derivatives
- Live outside the U.S. or outside New York state
- Want to earn crypto card rewards with up to 5% cashback
Who Should Choose Gemini?
Choose Gemini if you:
- Prioritize security and regulatory compliance above all else
- Live in New York (Gemini is one of few exchanges fully licensed there)
- Are a beginner who wants a simple, intuitive interface
- Want 10 free crypto withdrawals per month
- Prefer a platform with no major security breaches
- Need institutional-grade custody for large holdings
| Category | Winner |
|---|---|
| Trading Fees | Crypto.com (lower taker fees, CRO discounts) |
| Supported Coins | Crypto.com (350+ vs 70+) |
| Security | Gemini (NYDFS regulated, no breaches) |
| Trading Features | Crypto.com (margin, derivatives, DeFi) |
| Crypto Card | Tie (different strengths) |
| Mobile App | Crypto.com (more features) |
| Beginner-Friendliness | Gemini (simpler interface) |
| U.S. Availability | Gemini (all 50 states incl. NY) |
| Customer Support | Crypto.com (24/7 live chat) |
| Payment Methods | Crypto.com (20+ fiat currencies) |
Final Verdict: Crypto.com vs Gemini
Crypto.com is the better overall exchange for most traders in 2026. It wins on fees, asset selection, trading features, ecosystem depth, and global availability. With 350+ cryptocurrencies, competitive fees, a top-tier Visa card, and margin/derivatives trading, Crypto.com delivers more value for active traders and crypto enthusiasts.
Gemini is the better choice for security-first traders and New York residents. Its NYDFS regulation, SOC certifications, clean security record, and all-50-state availability make it ideal for users who prioritize compliance and safety over feature breadth. Gemini's simpler interface also makes it excellent for beginners.
For a broader comparison of exchanges, see our guides on best crypto exchanges and best crypto exchanges in the USA.
Frequently Asked Questions
Which is better, Crypto.com or Gemini?
Crypto.com is better for most traders due to its lower fees, 350+ supported coins, and richer feature set including a Visa card, staking, and derivatives. Gemini is better for security-focused users, beginners, and New York residents who need a NYDFS-regulated platform.
Is Crypto.com cheaper than Gemini?
Yes, Crypto.com is generally cheaper. Its base taker fee is 0.30% compared to Gemini's 0.40%. The difference is even larger on retail trades: Crypto.com charges approximately 0.50% spread while Gemini's retail interface charges up to 1.49% plus a 0.50% convenience fee. CRO staking on Crypto.com provides additional fee reductions of up to 10%.
Is Gemini safe to use in 2026?
Yes, Gemini is one of the safest cryptocurrency exchanges available. It is regulated by the NYDFS as a Trust Company, holds SOC 1 and SOC 2 Type II certifications, uses air-gapped cold storage, and has never experienced a major security breach. USD deposits are FDIC-insured up to $250,000.
Can I use Crypto.com in New York?
No, Crypto.com is not available in New York state. If you're based in New York, Gemini is an excellent alternative as it's fully licensed by the NYDFS and available in all 50 U.S. states. Other New York-friendly options include Coinbase and Bitstamp.
Which has more cryptocurrencies, Crypto.com or Gemini?
Crypto.com supports significantly more cryptocurrencies — over 350 compared to Gemini's approximately 70+. Crypto.com is the better choice if you want access to a wide range of altcoins, DeFi tokens, and newer projects.
Does Crypto.com or Gemini offer staking?
Both platforms offer staking, but Crypto.com provides broader options. Crypto.com supports staking for 25+ cryptocurrencies including CRO, ETH, DOT, ATOM, and SOL with competitive APY rates. Gemini offers staking on a more limited selection of assets through its platform.
Which platform is better for beginners?
Gemini is generally better for beginners. Its clean, intuitive interface is easier to navigate, and its strong regulatory compliance provides peace of mind for new investors. Crypto.com's app offers more features but can feel overwhelming for first-time crypto buyers. Both platforms offer educational resources.
Can I transfer crypto between Crypto.com and Gemini?
Yes, you can transfer cryptocurrency between Crypto.com and Gemini by withdrawing from one exchange to the deposit address on the other. Standard network fees apply. Gemini offers 10 free crypto withdrawals per month, making it cost-effective to move assets off the platform.
