Crypto.com Exchange Review 2027Core Trading Conditions and Fees

Crypto.com Exchange review 2027: licences first

Crypto.com began in 2016 as Monaco, a payments start-up founded by Kris Marszalek and three partners, and took its present name in 2018 after buying one of the most valuable domains in the industry. Most people know it for the consumer app, the prepaid Visa cards and the naming rights to the Los Angeles arena. The Crypto.com Exchange is the separate, order-book trading platform aimed at active and institutional traders. It shares a login with the app but has its own interface, fee schedule and liquidity. This review covers the Exchange as it stands for 2027.

App versus Exchange

The distinction matters because the costs are very different. The app sells crypto at a quoted price that includes a spread, which is convenient and comparatively expensive. The Exchange matches buyers and sellers directly, shows the full order book and charges explicit maker and taker fees. Balances can be moved between the two instantly and free of charge. Anyone trading more than small, occasional amounts will usually save money by placing orders on the Exchange instead of tapping Buy in the app.

Markets and tools

The Exchange lists more than 400 tokens with USD, USDT and other quote currencies. Derivatives include perpetual and dated futures with leverage up to 50 times in permitted regions, and a US-regulated derivatives arm offers event and prediction contracts. Margin trading, trading bots for grid, DCA and time-weighted execution, an OTC desk and API access round out the platform. Liquidity is strong on leading pairs and thinner on smaller tokens than at the largest global venues.

Fees

Under the current schedule, entry-level spot fees are 0.25% for makers and 0.50% for takers, among the higher starting rates of any major exchange, with steep reductions as thirty-day volume rises. Staking CRO, the platform's token, lowers fees and can add rebates. High-volume traders reach very competitive levels, but a small account pays more here than on Binance, OKX or Kraken Pro. Check the live fee table before trading, since the tiers have been revised more than once.

A long list of licences

Regulatory coverage is where Crypto.com separates itself from most competitors. It holds a Major Payment Institution licence from the Monetary Authority of Singapore, a full licence from Dubai's VARA, a MiCA licence issued in Malta that covers the European Union, registration with the UK's FCA and money transmitter licences across the United States, together with approvals in Australia, South Korea, Canada and elsewhere. It has also applied for a US national trust bank charter. Few exchanges of any size can show a comparable collection.

Security and the 2022 incident

In January 2022 attackers bypassed two-factor authentication on several hundred accounts and withdrew about $34 million. Crypto.com reimbursed every affected customer, rebuilt its authentication system and introduced a protection programme for qualifying accounts. Since then it has collected an unusual number of independent security certifications, including ISO 27001, PCI DSS Level 1 and SOC 2 Type II. Proof-of-reserves attestations by an outside auditor have shown customer assets backed one to one.

The CRO question

CRO, the token of the associated Cronos chain, is woven through the product: it reduces fees, raises card rewards and boosts Earn rates. The company has changed the terms of these benefits several times, and in 2025 a governance vote reversed an earlier burn and reissued 70 billion tokens, a decision that angered many holders. The lesson for users is to treat CRO-linked perks as adjustable and to avoid holding more of the token than the benefits justify.

What stands out, good and bad

• Regulation: one of the broadest licence portfolios in the industry.
• Certifications: extensive third-party security and privacy audits.
• Ecosystem: exchange, app, cards and payments under one account.
• Entry-level cost: high maker and taker fees for small traders.
• Changing terms: rewards and token rules have been revised repeatedly.
• Depth: smaller pairs are less liquid than at the top three exchanges.

Who should consider it?

The Exchange suits traders who want a heavily licensed venue and who already use the wider Crypto.com ecosystem, as well as higher-volume accounts that can reach the cheaper tiers. Low-volume traders focused purely on cost have better options.

Verdict

For 2027, Crypto.com Exchange offers regulatory reassurance and audited security that few rivals equal, at a price that is hard to justify for small accounts. Use the Exchange instead of the app for trading, read the current fee tiers, and remember that no licence removes market risk.

Crypto.com Exchange review: compare the alternatives

This Crypto.com Exchange review is part of our Top 45 Cryptocurrency Exchanges in 2027 ranking. To compare, read the Upbit review and the HTX review.