Crypto.com review: availability, registrations, custody, and fees
Crypto.com is a large app based crypto platform available in many countries. It holds a MiCA licence in Malta for the European Economic Area, serves the United States under money transmitter licences, and holds registrations in other regions. Availability of individual products still varies by country.
Information, not advice. This is general information, not legal, tax, or financial advice, and it is not a recommendation to use any platform. Verify the current rules with a qualified local professional and the official regulator before acting.
Crypto.com is a large, custodial crypto platform founded in 2016, built around a mobile app, a trading exchange, and a crypto linked card. As of February 2026 it holds a MiCA licence from the Malta Financial Services Authority covering the European Economic Area, serves United States customers under FinCEN registration and state money transmitter licences, and holds registrations in further regions. Exchange fees are competitive while the simple in app buy can cost more. Whether you can use it legally still depends on your own country, so check that first.
What Crypto.com is
Crypto.com was founded in 2016 and grew into a large consumer crypto brand built around its mobile app, a separate trading exchange, a crypto linked payment card, and earn and staking products where permitted. It is custodial on the main app and exchange, meaning Crypto.com holds the assets in your account on your behalf, although it also publishes a separate self custody wallet for users who want to hold their own keys.
Crypto.com has leaned heavily into regulation and licensing, positioning itself as one of the more broadly authorised platforms. It was among the first major global providers to secure a full MiCA licence in the European Economic Area, and it holds money transmitter licences in the United States and approvals in other regions, which is relevant context for anyone assessing where it can legally operate (as of February 2026).
Where Crypto.com is available
As of February 2026 Crypto.com is available in many countries across the Americas, Europe, Asia, and beyond. Across the European Economic Area it serves clients through its MiCA licensed Maltese entity, giving it a settled European position ahead of the 1 July 2026 transitional deadline. In the United States it serves customers under FinCEN registration and state money transmitter licences, with the available product set differing by state.
As with any platform, supported assets and products vary by country, and a small set of jurisdictions is restricted, typically those under sanctions. The country pages on this site track the position market by market, so confirm what is offered in your location before you sign up.
Registrations and licences
- European Economic Area. A Markets in Crypto Assets (MiCA) licence from the Malta Financial Services Authority, used to serve clients across the European Economic Area, with Crypto.com among the first major platforms to obtain full authorisation (as of February 2026).
- United States. Registration with FinCEN as a Money Services Business and state money transmitter licences used to serve United States customers (as of February 2026).
- Other markets. Crypto.com holds further registrations and approvals in additional jurisdictions and publishes its licences on its own site, which is the most current reference (as of February 2026).
Each registration is stated as of 21 June 2026. Licences and registrations change. Confirm the current position on the regulator register and the licences page of the platform before acting.
Custody, fees, strengths, and limitations
Crypto.com is custodial on the main app and exchange, holding your assets in its own wallets. It also offers a separate self custody Crypto.com Onchain wallet for users who want to control their own private keys. The company publishes proof of reserves information, which is one input rather than an audited guarantee, so it should be read as context rather than assurance.
On fees, the Crypto.com exchange uses a competitive tiered maker and taker schedule, while the simple in app buy option can carry higher costs, and card and spread pricing vary by product and region. Exact pricing changes over time, so confirm the current schedule before trading.
In plain terms, the strengths are broad availability including the United States and the European Economic Area, a wide set of licences, a well known card and app, and competitive exchange fees. The limitations are the higher cost of the simple in app buy, product availability that varies by country and state, and the custodial default on the app and exchange. None of this is a recommendation to use or avoid the platform, only the factual picture to weigh against your own country and needs.
Crypto.com is one of several platforms available in many countries. Availability still depends on where you live, so compare the exchanges that are genuinely available in your country before you choose.
Regulator and sources
The relevant regulators differ by market: the Malta Financial Services Authority for the MiCA licence used across the European Economic Area, and FinCEN with state regulators in the United States. Crypto.com also reports approvals from regulators in other regions on its own licensing pages.
- Crypto.com, official company news on its MiCA licence from the Malta Financial Services Authority and its licences and registrations page.
- Malta Financial Services Authority public register of authorised crypto asset service providers.
- FinCEN Money Services Business registrant records and state money transmitter registers.
Frequently asked questions
Is Crypto.com legal to use?
In most countries where it operates Crypto.com is a registered or licensed provider rather than a banned service. As of February 2026 it holds a MiCA licence from the Malta Financial Services Authority covering the European Economic Area, along with United States money transmitter licences and registrations in other regions. Legality of using it still depends on your own country, so check your local rules.
Can United States residents use Crypto.com?
Yes, in most states. As of February 2026 Crypto.com serves United States customers under FinCEN registration as a Money Services Business and state money transmitter licences. Some products and a few states can be restricted, so check availability for your state. This is information, not advice.
Does Crypto.com hold a MiCA licence?
Yes. As of February 2026 Crypto.com holds a Markets in Crypto Assets (MiCA) licence from the Malta Financial Services Authority and was among the first major platforms to secure full MiCA authorisation, used to serve clients across the European Economic Area.
Does Crypto.com hold my crypto for me?
Yes by default on the main app and exchange. Crypto.com is custodial and holds the assets in your account on your behalf, while it also offers a separate self custody wallet product where you control your own keys. This is information, not advice.
What are Crypto.com fees like?
Crypto.com uses a tiered maker and taker schedule on its exchange, while the simple in app buy option can carry higher costs, and card and spread pricing vary. Exact pricing changes over time and varies by product and region, so check the current fee schedule before trading (as of February 2026).
Rules change frequently. Exchange availability, registrations, and the rules that govern them can change at short notice and vary by region. The position on this page is dated 21 June 2026. Confirm the current status with the named regulator and the platform before you act.
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