Crypto.com Exchange profile: trading, fees, custody and regional access

Each master account and sub-account has its own margin balance. Eligible spot collateral is subject to asset limits and haircuts; balances above an asset’s maximum collateral limit do not add margin capacity. Open orders, fee reserves and unrealised profit or loss also enter the calculation. The account’s maximum leverage setting restricts risk-increasing orders, while the particular instrument’s leverage limit can impose a tighter ceiling. The quoted value of a wallet consequently differs from the amount available for a new position or withdrawal.[6]

A sub-account suspension has a more serious effect than hiding a portfolio: the management guide says it closes open orders and liquidates open positions. Reactivation restores access, including API keys. Permanent termination revokes access and keys; closing the master terminates its sub-accounts. These administrative actions should therefore be assessed against existing positions before they are used as a security or housekeeping measure.[39]

OTC can settle immediately or through an approved Settle Later arrangement. The desk states that it adds no trading fee, but the executable quote still determines the economic exchange rate. Its provider table names Foris DAX, Inc for the US/Canada and Foris DAX Limited for the rest-of-world route, with a separate UAE provider. That division matters when comparing a desk quote with an order-book price or deciding which contract governs settlement.[14]

The public spot grid checked on 20 October 2026 gives the following standard rates without CRO balance benefits. Fee rates are updated at 04:00 UTC using activity and CRO measurements. This is the Exchange tariff, not a quote for an App purchase.[4]

Worked example: two USD 2,000 spot trades at the first-tier 0.50% taker rate cost USD 20 in total: 2 × 2,000 × 0.005. If both execute as makers at 0.25%, the total is USD 10. This equal-notional round trip excludes price movement, spread, payment charges and withdrawals. A submitted limit order can take liquidity, so the order label alone does not establish the cheaper result.[4]

Margin executions use the spot fee schedule, with borrowing interest determined separately for negative asset balances. The margin guide publishes a 0.5% liquidation fee. The derivatives fee guide also specifies an additional 0.5% forced-liquidation charge; its ordinary transaction fee is calculated on contract value executed. A low initial margin deposit therefore does not reduce the fee base to that deposit. A current non-VIP derivatives ladder was not exposed in the inspected fee interface and is not reconstructed from old promotions.[7][9]

The perpetual funding guide describes a four-hour calculation interval with payments settled hourly, rather than a universal eight-hour charge. For illustration, USD 20,000 of exposure at an assumed positive hourly rate of 0.002% produces USD 0.40 for that settlement, paid by a long to a short. Four identical hourly settlements would total USD 1.60. This is arithmetic using a hypothetical rate, not a forecast. Hourly sessions also reset open-position average prices to the mark and realise the session’s profit or loss.[8]

USD funding requires the appropriate same-name bank route. The ACH guide requires Plaid linking for withdrawals, caps ordinary withdrawals at five transactions daily and thirty monthly, and rejects funding through payment processors or other exchanges. Its daily and monthly amount caps are USD 100,000 and USD 500,000. Additional identity or address information may be required when activating cash transfers, separately from the original trading-account verification.[15]

The EUR retail guide accepts some non-bank-provider deposits but does not make those accounts eligible withdrawal destinations. It also contains an editorial inconsistency: the answer to its retail withdrawal-fee question refers to institutional clients. A definitive zero-fee retail EUR withdrawal promise is therefore not drawn from that sentence. The confirmed fee shown for the particular account is needed; the country list and accepted SEPA network remain separate requirements.[18]

A further USD bank-wire charge took effect on 1 May 2026. The rolling 30-day net subtracts USD deposits and positive net USD receipts from OTC trades from USD withdrawals. Ordinary crypto deposits do not reduce it; main and sub-accounts are combined. Only the incremental portion above USD 1 million attracts 0.05%. For a hypothetical VIP client already at USD 950,000 net, a USD 100,000 withdrawal puts USD 50,000 in the charged band: USD 25, leaving USD 99,975 before network and bank charges. The published VIP daily cap is USD 500,000.[19]

The ACH article warns that separate USD Withdrawal Charges may apply, while the charge article’s FAQ describes bank wires. This mismatch prevents an unconditional statement that every ACH withdrawal is free. A payment-network charge, the rolling-volume charge and a bank deduction are distinct components and should be reconciled against the actual confirmation.[15][19]

The global Exchange contract’s asset clause is significant. Subject to mandatory local rules, it permits the company to hold and use on-exchange assets and describes the customer’s right as a contractual claim for an equivalent amount and type. It also permits certain substitute forms of backing for stablecoins. Clause 5.4 recognises jurisdictions requiring different safekeeping, including holding assets beneficially for customers. This prevents either blanket assertion that every account has segregated beneficial ownership or that the global clause overrides local mandatory protections.[2]

The Account Protection Programme offers discretionary goodwill relief, generally up to USD 250,000 equivalent, for qualifying unauthorised external withdrawals. Eligibility is country-specific; its published US and Canadian coverage is limited to Prime users. It excludes a transfer the user was deceived into authorising, an authorised wrong-address transfer and losses without the qualifying external movement. It should not be described as automatic deposit insurance.[21]

The security page’s US-dollar insurance explanation is narrower than protection from exchange failure. It refers to qualifying deposits at specified FDIC-member banks, aggregated with other deposits held there, and explicitly excludes Crypto.com failure, theft and fraud. That bank-failure description must not be applied to crypto balances or assumed for every jurisdiction and product.[22]

Crypto.com’s January 2022 company roundup links contemporaneous reporting of an account-security incident and records the introduction of a 24-hour lock for newly whitelisted withdrawal addresses. This is a historical acknowledgement of a security event and response; the current programme and certifications should not be read as a claim that the service has never experienced an incident.[40]

The July 2026 verification guide requires matching legal names, an identity document and a photo following its instructions. Existing App verification can assist registration, but the Exchange may request more information. Crypto.com’s January 2025 US Exchange launch and the current US banking guides make the old blanket statement that the Exchange is unavailable in America inaccurate; state and product restrictions still apply.[25][35][3]

The reporting guide contains both legacy and newer screens. A filter that accepts 180 days does not establish that every export includes every record in that period. The generated summary and the 65,000-record ceiling determine whether a narrower range is needed. Orders, executed trades and wallet movements serve different reconciliation purposes; a trade file alone may omit the cash-flow evidence needed to explain an account balance.[30]

A complaint should identify the contracted entity, relevant order or transfer, dates and supporting records. The Maltese policy is explicitly for Foris DAX MT clients, so its external escalation route is not assumed to govern all global Exchange users. The inspected global contract provides a Hong Kong dispute-resolution framework; the accepted account contract and applicable local rights determine the actual route.[31][2]

The Exchange privacy notice identifies Foris DAX Limited as a Cayman Islands exempted company, number QH-354886. Regional service providers and affiliate products create additional contractual routes. As checked on 20 October 2026, the group homepage advertises more than 150 million users worldwide. This company-wide cumulative scale statement is not a verified count of active Exchange traders or evidence of liquidity in a particular order book.[1][34]

Operator

Foris DAX Limited for the inspected global Exchange contract; regional affiliates provide separately contracted services

Exchange model

Centralised

Service scope

Order-book exchange with regional spot, leveraged, OTC and staking routes. Main Crypto.com App and Onchain wallet are distinct services; product availability depends on account and location.

Client types

Retail clients; Institutional clients

Pricing publication

Public and quoted pricing

Pricing scope

Public tiered spot and selected VIP fees; OTC quote economics and some account-specific payment and staking charges.

Funding scope

Eligible crypto transfers plus USD ACH/Fedwire/SWIFT and EUR SEPA. Network charges, account limits, bank costs and the applicable rolling USD net-withdrawal charge must be separated.

Custody and asset handling

Global terms describe contractual asset claims subject to mandatory local safekeeping rules. Historical reserve AUP, derivatives loss fund and discretionary Account Protection Programme have separate scopes.

Client eligibility

KYC and product-specific location checks. US Exchange access exists, while the inspected global margin/derivatives restriction lists exclude the US and many other markets. Payment rails add state and country restrictions.

Support

Help centre and chat.crypto.com. Entity-specific complaint procedures and downloadable trading/wallet histories are described in the body.

Authorisation and registration scope

VARA register confirms the named Dubai entity’s active scope. ESMA confirms Foris DAX MT CASP services, which do not include trading-platform operation in the inspected row. Neither entry is applied universally to the global contract.

Exchange metadata checked 20 Oct 2026Source 1Source 2Source 4Source 15Source 19Source 21Source 24Source 32Source 33

The staking guide lists standard deductions from rewards of 15% for ETH, 35% for NEAR/INJ and 20% for other listed assets, with differentiated fees possible. Staked positions cannot be traded, transferred or used as margin collateral. Displayed estimated reward rates are therefore different from an assured net return or immediately spendable balance. Activation and unbonding also differ by protocol; the guide estimates five days for SOL and twenty-nine for DOT, with Ethereum dependent on network conditions.[36]

Instant Unstaking is a separate sale of the staked position to Crypto.com in exchange for native assets. Its percentage fee is token-specific and displayed before confirmation. The September 2026 guide lists daily quotas including 3 ETH and 50 SOL and describes a short daily maintenance period around 01:30 UTC. The feature provides an alternative liquidity route where eligible, but it neither removes ordinary protocol waiting periods nor guarantees unlimited immediate redemption.[37]