Review: An All Around Crypto Platform In One

If you're looking for an affordable, all-in-one cryptocurrency platform, might be right for you. The more coin (CRO) you're able to stake, the more benefits you'll get from this exchange. Even without the CRO bonuses, it's a solid low-fee crypto exchange with over 60 cryptocurrencies available in most of the U.S. - especially if you want a crypto debit card. Read our full review to find out if it's right for you.


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Has a vast selection of cryptocurrencies and earns high rates of interest. But the trading fee structure does take some digging to fully understand.

Our Rating:

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4.00 Stars




On Secure Website

Varies based on cryptocurrency

Full review

This cryptocurrency exchange is a good fit for: Anyone who wants to spend, trade, store, and save cryptocurrencies, especially the coin. This all-inclusive exchange lets you buy, sell, and trade a good range of cryptocurrencies at affordable rates. pros and cons

Top perks has a lot to offer, including its own CRO coin. And the more CRO you're willing to stake (aka deposit with, the better the benefits.

One-stop shop

It's easier to think of as a crypto bank than a cryptocurrency exchange or brokerage. Sure, you can buy and sell cryptocurrencies on the exchange. You can also swap them with other users through your DeFi wallet. But more than that, you can spend your crypto with a prepaid visa card. You can get paid in crypto, put your cash into an interest-earning account, and -- in some countries -- get a crypto loan.

Low fees

As we'll see below, you can deposit money into your account via an electronic bank transfer or wire transfer without paying any fees. You can also buy and sell cryptocurrencies at true cost, making it one of the better value exchanges.

After your first 30 days, charges a fee for credit/debit card crypto purchases via its app. If you pay using a credit card, your card issuer may also charge a cash advance fee if you use it to buy cryptocurrency.

Easy to convert your money

Like most the best cryptocurrency exchanges, makes it easy to convert fiat currencies into crypto. It accepts over 20 fiat currencies including USD, GBP, and EUR. And you won't have to pay hefty fees, though depending on your country of residence, you may find you're limited to certain fiat currencies once you register.

Cash back cards offers five prepaid Visa Cards. They can be used anywhere that accepts Visa, but you'll have to top them up before you can spend money.

As with its other products, the more CRO you stake, the better the benefits. The top-of-the-range Obsidian card earns 8% cash back (more accurately, crypto back) and comes with a host of extra bonuses. However, you'll need to stake 5,000,000 CRO (worth around $750,000 at time of writing) to qualify.

If you don't have oodles of cash, the no-stake Midnight Blue card pays 1% back on purchases. And for a 5,000 CRO stake (around $750), you'll get 2% back with the Ruby Steel card. There's no annual fee, and you'll get a set amount of free ATM withdrawals and foreign transactions each month, depending on the card.

Earn interest isn't just a place to buy bitcoin and other cryptocurrencies. Accountholders can also earn high rates of interest.'s lowest interest rates are better than the best high-yield savings accounts. The maximum interest you can earn is 14%, but -- like the Visa card benefits -- you'd have to keep a lot of cash in CRO to qualify.

Your interest rate depends on how long you will leave money, which currency you save, and the amount of CRO you have staked. You can increase your interest rate if you:

  • Stake more than 50,000 CRO. You get even more if you stake 500,000 CRO, but that may not be feasible for many investors.

  • Deposit it for a three-month term. Flexible and one-month terms are also available, but three-month terms earn the better rates.

  • Invest in a stablecoin. Stablecoins are pegged to fiat currencies or commodities. So you could invest in a stablecoin that is pegged to the U.S. dollar. You'll earn more interest, but your coin is unlikely to appreciate in value the same way a normal cryptocurrency might.

However, keeping your savings in crypto is risky. All cryptocurrencies are volatile, and unlike regular savings accounts, you won't get FDIC insurance. If your currency fails, it could wipe out all your savings.

Gift cards and phone top ups

Your Visa Card isn't the only way you can spend your crypto. You'll also earn cash back when you buy gift cards with several popular brands. Current U.S. gift card brands include Airbnb, Barnes & Noble, Macy's, and many more. The amount of cash back depends on how much CRO you have staked and what type of company it is. You can also top up prepaid phones on certain networks.

What could be improved has a lot to offer, but there's still room for improvement.

Ease of use

The downside to being all things to all people is that the website can be overwhelming at first. There's a lot to process and a lot of lingo to get your head around, especially if you're starting out. Even after a 2021 website relaunch, there's simply a lot going on. Any site with so many products and services is likely to be difficult to navigate.

Not universally available

You can sign up to from every U.S. state apart from New York. However, you can't buy all of its currencies everywhere. boasts over 100 coins and over 20 fiat currencies. Almost 40 of those coins are not available in the U.S. And a further 35 are not available in every state.

Some features, such as the loan, are not available in the U.S. In other countries, crypto investments can be used as collateral against a loan.

Customer service

Despite offering 24/7 support via the in-app/website chat or email, currently only scores 2.8 out of 5 stars on Trustpilot. Many of the complaints are about a lack of customer service response. This could be frustrating if you're trying to set up an account or access your money.

Educational resources is not a great site for beginner investors. It does provide basic information about individual currencies, but that's about it. There's no cryptocurrency knowledge center and little in the way of research. investors will have to do their learning elsewhere.

bitcoin trading platform for beginners

How works

Originally called Monaco Technologies,'s founding mission was to speed up the world’s transition to cryptocurrency. What began as primarily a crypto payment product is now a popular cryptocurrency hub. works on both your desktop and mobile app. Once you've set up your account and verified your identity, you can use it to trade crypto in two ways: Through its exchange or through its DeFi wallet.

The exchange is one of the best value fiat-to-crypto gateways. If you use the exchange to trade cryptocurrencies, you'll pay a small maker/taker fee. In contrast, the DeFi wallet is a decentralised exchange that lets you swap cryptocurrencies with other users. If you go this route, you'll have full control of your keys, and you can opt to pay a higher fee to process your swap faster.

If you stake CRO on either the app or the exchange and leave it alone for more than six months, you can earn interest and unlock benefits. Here are some of the benefits you can access:

CRO trading platform fees comparison succeeds in making crypto more accessible. The risk is that it doesn't have the same safeguards as a regular financial institution. If you stake sizeable amounts of CRO, you could benefit from both interest and potential currency appreciation. However, if its currency fails, you could lose it all.

Fees overview

Depending on how you deposit money into your account, it could be a very affordable way to trade.

Deposit and withdrawal fees deposit and withdrawal fees

Maker / taker fees trading volume wants to grow. To do that, they need high trading volumes, high liquidity, and high take up of its coin. To that end, they're willing to charge lower fees depending on:

  • Whether you're a market maker or taker

  • How much you trade

  • How much CRO you have staked

For example, if you want to trade something that isn't immediately available, you'll pay a lower "maker" fee because you're adding liquidity. If your trade goes through straight away, you'll pay a higher "taker" fee because you're taking away liquidity.

Let's say you have staked over 5,000 CRO (about $800), and you've traded less than $250,000 this month. You'd get a 10% fee discount, paying a 0.090% maker fee and a 0.144% taker fee on your trade.

Stake discount stake discount

Cryptocurrency selection offers over 100 cryptocurrencies worldwide. However, only about 60 of those are available in the U.S., and some of those are not available throughout the country. That said, its selection of coins is as good, if not better than, most of its competitors. Here is a selection of the coins offered.

crypto selection on

Is your cryptocurrency safe with

Users have all the security features you'd expect, such as multi-factor authentication and anti-phishing measures. User security also includes password, biometric, email, phone, and authenticator verification. says security is built into every aspect of its business, and systems are stress tested by leading security firms. It also uses Hacker One, a bug bounty program, to identify weaknesses.

In addition to being insured for $360 million against damage or theft, partners with Ledger to store user cryptocurrencies in cold storage. And on the topic of insurance, if you keep a balance in U.S. dollars, that money is FDIC insured as it would be with a regular bank.

So far, its efforts have paid off. According to, is one of the few platforms that haven't been hacked. is right for you if:

  • You want a low-fee cryptocurrency exchange and want to move fiat currency into crypto easily.

  • You are a relatively experienced crypto investor and don't need a lot of crypto education.

  • You want to do more of your banking -- saving, spending, and investing -- on a crypto platform.

  • You are willing and able to deposit large amounts in CRO.