Crypto.com Review (October 2026): Fees, US States and Licenses

Our verdict

Crypto.com's app serves US residents in 49 states and DC; New York is restricted. Its US site lists 400+ cryptocurrencies alongside stocks, ETFs, IRAs, trading bots and prediction markets on its CFTC-regulated derivatives exchange. It received conditional OCC approval for a national trust bank charter in February 2026. The proof of reserves shown on its website dates from December 2022.

Crypto.com fees

Maker / taker

— Not verified

Simple buy

Variable admin fee shown in the trade preview before confirming; spread and card-issuer fees may apply

ACH deposit

Free on the Exchange ($1 minimum; bank may charge)

Wire deposit

— Not verified

Card purchase

— Not verified

USD withdrawal

Exchange ACH withdrawals: $100 minimum; USD withdrawal charges may apply

Crypto withdrawal

— Not verified

Other fees

$40 administration fee on erroneous ACH deposit returns (Exchange)

Minimum deposit

$1

Is Crypto.com available in my state?

The Crypto.com App is available in 49 states plus DC and US territories; New York is restricted, per help articles updated Sept 15, 2025 and May 12, 2026.

• AL available
• AK available
• AZ available
• AR available
• CA available
• CO available
• CT available
• DE available
• DC available
• FL available
• GA available
• HI available
• ID available
• IL available
• IN available
• IA available
• KS available
• KY available
• LA available
• ME available
• MD available
• MA available
• MI available
• MN available
• MS available
• MO available
• MT available
• NE available
• NV available
• NH available
• NJ available
• NM available
• NY not available
• NC available
• ND available
• OH available
• OK available
• OR available
• PA available
• RI available
• SC available
• SD available
• TN available
• TX available
• UT available
• VT available
• VA available
• WA available
• WV available
• WI available
• WY available

App available in 49 states, DC, American Samoa, Northern Mariana Islands, Puerto Rico, Virgin Islands and Guam; the prepaid debit card is not offered in the territories.

New York

No

ID check (KYC)

Yes

Withdraw crypto

Yes

Funding

ACH, Wire, Crypto

Is Crypto.com regulated?

• FinCEN MSB
• CFTC
• SEC / FINRA
• Bank charter

US operator

— Not verified

Parent company

Foris DAX group (Foris DAX Asia, Singapore; Foris DAX MT (Malta) Limited), per Wikipedia

State licenses

US licenses page lists money transmitter licenses and a non-depository trust company charter (state-by-state detail not retrieved)

New York license

— Not verified

CFTC / NFA

DCM and DCO licenses (Crypto.com | Derivatives North America); CFTC approval on Sept 26, 2025 to offer cleared margined derivatives (per Wikipedia)

SEC / FINRA

Broker-dealer registration listed on the US licenses page (entity name not retrieved)

Bank charter

OCC conditional approval for a national trust bank charter (Feb 23, 2026, per Wikipedia; listed as conditional on the licenses page)

Founded

2016

Headquarters

Singapore

How secure is Crypto.com?

Proof of reserves

Yes - but dated: the official page shows a Mazars agreed-upon-procedures report as of Dec 7, 2022 and no newer attestation

Audits

AICPA SOC, ISO 27701, ISO 22301 and PCI DSS badges shown on the US site

Insurance

— Not verified

Incidents since 2019

• 2022hackA January 2022 breach led to about $15 million in ether being stolen; withdrawals were paused and the company said no customer funds were lost.

Crypto held on a platform is not covered by FDIC or SIPC insurance.

What you can do on Crypto.com

• Spot
• Advanced trading
• Staking
• IRA
• Stocks & ETFs
• Earn
• Crypto card
• Self-custody wallet
• Trading bots
• Prediction markets

The US site lists crypto, stocks, ETFs, IRAs, staking, Earn, a Visa Signature credit card (US only), DCA/Grid/TWAP bots, the Onchain wallet and prediction markets on Crypto.com | Derivatives North America. It also lists perpetuals and UpDown/Strike options, but their availability to US retail users was not confirmed.

Apps

Web, iOS, Android

Support

Help center