Custody compared
Your funds, held to a higher standard than a generic exchange.
Insured, licensed and audited custody, set against the way most exchanges hold your assets.
Crypto.com
Generic exchange
Cold storage with offline multi-signature keys
Pooled hot wallets
Independent proof-of-reserves
No reserve attestation
$750M insurance on custodial assets
No insurance disclosed
Licensed and regulated in 40+ markets
Unclear jurisdiction
Address whitelisting and anti-phishing codes
Email-only confirmation
24/7 customer support in 20+ languages
Ticket-only queues
Audits and licences
Licensed and regulated in 40+ markets
$750M insurance on custodial assets, backed by seven years of independent audits.
2018
First e-money licence
Our first e-money licence is granted in Malta.
2019
ISO 27001 and CCSS Level 3
Both certifications are awarded after independent review.
2020
SOC 2 Type II
The first SOC 2 Type II report is completed.
2021
Insurance expanded
The custodial insurance programme grows with Lloyd’s syndicates.
2022
Proof of reserves
The first independent proof-of-reserves attestation is published, now repeated every quarter.
2023
MiFID and payments licences
New licences are added across European and Asian markets.
2024
ISO 22301 and testing
Business continuity is certified, with annual penetration testing by external firms.
Questions
Plain answers on custody, fees, withdrawals and keeping your account safe.
Where are my coins actually held?
Most assets rest in cold storage, kept offline behind multi-signature approval and segregated from company funds, so your balance is never mixed with the firm’s own money.
Is my balance insured?
Custodial assets carry insurance cover of $750M, so a serious incident at the custody layer is not left entirely to chance.
What does it cost to move money in and out?
Bank transfers into the app are zero-fee. Withdrawals of crypto pass on the network fee, which you see before you confirm.
How long do withdrawals take?
Usually minutes once the whitelisting delay has passed. A new address is held for 24 hours before it can receive funds.
What if I lose my phone?
De-authorise the device from any other session, keep your anti-phishing code handy, and recover access with your passkey and 2FA.
How are rewards paid?
Earn up to 5.5% rewards on eligible tokens. Payouts arrive weekly, straight to your balance.
Is Crypto.com regulated where I live?
We are licensed and regulated in 40+ markets. Your local entity disclosure shows exactly who serves you.
How do I reach a human?
Open the chat in the app at any hour. 24/7 customer support answers in 20+ languages.