Level Up — Crypto.com
Crypto.com Crypto.com · FreeMalta Exclusive Partner

Take your wealth
to the next level.

Zero trading fees. Up to 6% crypto cashback on every spend. EUR cash yield. Airport lounges. MiCA licensed in Malta — the only crypto rewards programme built for Europe's new regulatory era.

MiCA Licensed · Malta MFSA Visa Card · 0% FX fees 150M+ users globally
Start free trial — first 30 days on us
MiCA · Class 2 CASP
Electronic Money Institution
MiFID II · Investment Firm
Visa Principal Member
FCA Registered · UK
MAS · Singapore
SFC · Hong Kong
VARA · Dubai
150M+
Users globally
400+
Cryptocurrencies
6%
Max card cashback
90
Countries
The Level Up Programme

Choose your tier.
Own your growth.

Three tiers. One goal — more value from every euro you spend, save, and trade.

Crypto.com PLUS Card
PLUS
2.0%
back in crypto · on every spend
€3.99 / month
or €39.90/year (€3.32/month)
Zero trading fees up to $20K/month
2.0% back in crypto on card spend
0% foreign exchange fees
EUR Cash Yield up to 1.35% p.a.
CRO Yield up to 2.00% p.a.
Virtual Visa card · Flexible cancel
Join PLUS →
Crypto.com PRO Card
PRO
3.0%
back in crypto · on every spend
€24.99 / month
or €249.90/year (€20.82/month)
Zero trading fees up to $50K/month
3.0% back in crypto on card spend
0% foreign exchange fees
EUR Cash Yield up to 1.70% p.a.
CRO Yield up to 2.50% p.a.
Airport lounge access (Priority Pass)
Join PRO →
Crypto.com PRIVATE Card
PRIVATE
4–6%
back in crypto · on every spend
CRO Lockup from €45,000
8.5% yield · 12-month staking · €450K tier at 9.5%
Zero trading fees · Unlimited volume
4.0%–6.0% back in crypto
0% foreign exchange fees
EUR Cash Yield up to 1.80% p.a.
Extra 1% p.a. on Earn allocations in CRO
VIP events · Exclusive experiences
8.5% CRO lockup rewards
Join PRIVATE →
EUR Cash Yield

Maximise your cash.
Get paid to hold euros.

Level Up members earn EUR Cash Yield on their holdings — plus CRO rewards on top.

Yield Type BASIC PLUS PRO PRIVATE
EUR Cash Yield 1.20% p.a. 1.35% p.a. 1.70% p.a. 1.80% p.a.
CRO Rewards 1.85% p.a.* 2.00% p.a.* 2.50% p.a.* 3.00% p.a.*
*CRO rates valid until 31 Jul 2026; rates reduce thereafter. See crypto.com for current rates.
The Founding Story

They bought AI.com.
This is how it started.

Crypto.com · Founded 2016 · Malta-based · 150M+ users
From a Hong Kong card startup to the world's third-largest crypto exchange.

Crypto.com was founded in 2016 in Hong Kong by Kris Marszalek, Rafael Melo, Gary Or, and Bobby Bao — initially as Monaco, a Visa card that converted crypto to fiat in real time. The pitch was simple: spend your crypto anywhere Visa works. The execution took years.

In 2018, the company rebranded to Crypto.com — after acquiring the domain for a reported $12 million, one of the most expensive domain purchases in history. The rebrand signalled ambition. The exchange launched in 2019. By 2021, Crypto.com had signed naming rights for the Staples Center in Los Angeles — now the Crypto.com Arena — for $700 million over 20 years, the largest naming rights deal in sports history at the time. Matt Damon appeared in a global TV campaign. The industry took notice.

Then in 2023 they acquired AI.com — redirecting it to their platform — a move that reflected the same brand instinct that drove the Crypto.com domain acquisition. The company understood that the right address changes perception.

By 2026, Crypto.com operates as one of the world's largest regulated crypto platforms — 150 million users, 90 countries, MiCA-licensed in Malta through Foris DAX MT Limited at Spinola Park, St. Julians. The same island where you're reading this.

Crypto.com Exchange is now integrated with TradingView
Trade crypto, commodities, indices and equity perpetuals directly from your TradingView charts. Place market, limit and stop orders in real time. Access 400+ technical indicators. Monitor balances, open orders and market depth from one workspace — without leaving TradingView.
Binance couldn't get a MiCA licence. Crypto.com did.
Binance has faced regulatory restrictions across France, Germany, the Netherlands and other European markets. Crypto.com — licensed in Malta through Foris DAX MT Limited — is one of the few major platforms with full EEA authorisation under MiCA. Read our full analysis →
Crypto.com
✓ MiCA Licensed · Malta MFSA
Full EEA access
Malta-regulated (Spinola Park, St. Julians)
EMI + MiFID + MiCA CASP
Visa card available
No EEA restrictions
Binance
✗ MiCA licence not obtained
Exited France, Germany, Netherlands
No EEA CASP licence
Ongoing regulatory restrictions
Limited European access
Compliance uncertainty
Regulation

Every licence.
Every jurisdiction.

Licence / RegistrationJurisdiction
Class 2 Crypto-Asset Service Provider (MiCA)
Foris DAX MT Limited · C 88392 · Malta MFSA
EEA · MiCA
Electronic Money Institution
Foris MT Limited · C 90348 · Malta MFSA
EEA · EMI
Investment Firm Licence (MiFID II)
Foris Capital CY Limited · CySEC 344/17
EEA · MiFID
Visa Principal Member (Issuing)
Foris MT Limited · Malta
EEA · Visa
Crypto-Asset Business Registration
United Kingdom · FCA
UK
Electronic Money Institution
United Kingdom · FCA
UK · EMI
Wolf of Malta — Markets & Investing
Live indices, forex, commodities, crypto prices and Polymarket predictions.

Frequently Asked Questions

Is Crypto.com regulated in Europe?
Yes. Crypto.com operates in the EEA through Foris DAX MT Limited, a Malta-incorporated company (C 88392) authorised by the Malta Financial Services Authority under MiCA — Regulation 2023/1114 on Markets in Crypto-Assets. The Visa card is issued by Foris MT Limited, also Malta-based and licensed as an Electronic Money Institution. Malta is the regulatory home of the platform for all European users.
What is MiCA and why does it matter?
MiCA is the EU's comprehensive regulatory framework for crypto-assets, in full effect from 2024. Platforms that hold a MiCA licence are legally authorised to operate across all 27 EU member states with binding standards for consumer protection and capital requirements. Binance was unable to obtain a MiCA licence and exited several European markets. Crypto.com holds full EEA authorisation through its Malta entity.
What is Level Up?
Level Up is Crypto.com's subscription rewards programme. Members choose PLUS, PRO, or PRIVATE tier and unlock zero trading fees, crypto cashback on card spend, EUR cash yield, and premium perks like airport lounge access. PLUS starts at €3.99/month. PRO at €24.99/month. PRIVATE requires a CRO lockup starting at €45,000.
What cashback do I get on the Crypto.com card?
Cashback is paid in CRO on every card transaction. PLUS earns 2.0% back. PRO earns 3.0% back. PRIVATE earns 4.0%–6.0% back. The card works anywhere Visa is accepted with 0% foreign exchange fees for all Level Up members.
What EUR Cash Yield can I earn?
Level Up members earn EUR Cash Yield on their holdings. BASIC: up to 1.20% p.a. PLUS: up to 1.35% p.a. PRO: up to 1.70% p.a. PRIVATE: up to 1.80% p.a. Additional CRO rewards are also available. Private Members enjoy an extra 1% p.a. in CRO rewards on Earn allocations.
Can I open a Crypto.com account from Malta?
Yes. Crypto.com is fully regulated in Malta and available to all EEA residents. The application is done entirely in-app. KYC verification typically completes within minutes to hours. The Visa card is delivered to your address. As a Malta resident, you are served directly by Foris DAX MT Limited — the same entity that holds the MiCA licence, headquartered in St. Julians.
What happened to Binance in Europe?
Binance was unable to secure a MiCA licence for the EEA and has faced regulatory restrictions across multiple European markets. For European users seeking a fully regulated crypto platform, Crypto.com — licensed in Malta — is one of the clearest alternatives. FreeMalta has published a detailed analysis on this topic.
Trading or holding crypto-assets carries risks and may not be suitable for all. Past performance is not a guarantee of future performance. Services in the EEA are provided by Foris DAX MT Limited (C 88392) and Foris MT Limited (C 90348), both authorised by the Malta Financial Services Authority. FreeMalta earns a commission if you sign up through our link, at no cost to you. Crypto.com is an independent company — there is no business relationship beyond the affiliate partnership.