Full Ecosystem with Visa Card Rewards
Crypto.com offers a complete cryptocurrency ecosystem including an exchange, DeFi wallet, NFT marketplace, and the popular Crypto.com Visa card with cashback rewards.
One of Crypto.com's biggest draws is their Visa card offering up to 8% cashback on purchases. Earn rewards in CRO (their native token) that can be converted to XRP or other cryptos. Card tiers range from free to premium with varying benefits.
Get the Crypto.com app from the App Store or Google Play. You can also use the desktop exchange at crypto.com/exchange.
Sign up with your email and complete identity verification. You'll need a government ID and selfie. Verification typically takes a few hours.
Add funds via bank transfer (free), credit/debit card (2.99% fee), or deposit existing crypto. PayPal and Apple Pay are also supported in some regions.
Search for XRP in the app or exchange. On the app, tap "Trade" then search for XRP. On the exchange, navigate to the XRP/USD trading pair.
Choose between market order (instant) or limit order (set your price). Enter the amount and confirm. The app uses a simpler interface while the exchange offers advanced order types.
Your XRP is stored in your Crypto.com wallet. You can hold it, trade it, earn interest through Crypto Earn, or withdraw to an external wallet.
0.4% maker/taker fee, with discounts for CRO stakers. VIP tiers can reduce fees to as low as 0.04%.
The mobile app uses spread-based pricing, typically 1-2% above exchange rates. For best prices, use the exchange.
Bank transfers are free. Card purchases have a 2.99% fee. Crypto deposits are free.
XRP withdrawal fee is approximately 0.25 XRP. Fiat withdrawal fees vary by method and region.