Review 2022: Trade, Earn Interest, And Pay With Crypto

If you want to buy or sell crypto, there are many cryptocurrency platforms to choose from. Based in Hong Kong, is one such cryptocurrency platform that has gained popularity in recent years.

In addition to supporting many currencies, offers its own native currency and allows users to earn interest on their crypto holdings.

Continue reading our full review to see what makes them attractive as a cryptocurrency platform.

Earn interest by depositing coinsGet a Visa card that allows you to spend your cryptoKeep your coins in a secure cryptocurrency wallet

United States: 50+

Worldwide: 90+

Who is (legal name: MCO Malta DAX Limited) is a cryptocurrency investing and trading platform. It was founded in June 2016. The founders of are Bobby Bao, Gary Or, Kris Marszalek and Rafael Melo. It is located in Sai Wan, Hong Kong Island, Hong Kong. It has raised $26.7 million.

What do they offer? allows people to buy, sell, trade and earn interest on their cryptocurrencies. Users in the United States can sign up for the app, Visa Card, and DeFi Wallet. But you must live outside the US to use the web-based Exchange.

Below are some of the notable features of the app:

Buy and sell cryptoSend money to other usersInclude crypto walletStaking platform — earn interestVisa card supports over 150 cryptocurrency pairs in total. However, a few dozen of those currencies are not available in the United States.

CRO coin offers its own native cryptocurrency called Cronos (CRO). It allows customers to pay for goods and services using the DeFi Wallet app. It can also be traded. users can choose to receive payments in CRO as well as stable coins or fiat. They can also trade or wager CRO (detailed below) to increase their interest yield by 20x.

Use your cryptocurrency in the real world

One of the most unique features of is that you can use your cryptocurrency in the real world. Often crypto owners are limited to exchanging coins with other investors.

But with, you can use your crypto to buy physical goods and services. This is possible because allows users to load their crypto onto one of the platform’s various Visa cards.

At least that’s how it looks on the surface. Since most merchants still don’t accept crypto as payment, still needs to convert it to USD before it lands on your card. Basically, they just automate the process for you.

Card Rewards offers different card tiers. Each level has a different CRO reward amount and is based on the number of CRO wagered on the card. CRO rewards are issued when you use the card.

You can also receive credit on popular subscriptions such as Spotify, Netflix and Amazon Prime. The highest reward percentage occurs when you wager 5 million CRO, yielding an 8% reward.

Using Coins to Earn Interest

Staking means that you lock up your coins for a certain period of time and receive interest in return. The rates you will earn will vary with the length of time your coins are wagered. Interest is paid in the currency you wager rather than USD or other fiat money.

The app feature that allows you to earn interest is called Crypto Earn. You will receive a weekly payout on your simple interest income. The app shows how much your wagered coin was worth at the time of payout.

Since your coin wagered is locked based on the term you have selected, it doesn’t really matter what the coin’s price does (ie whether it goes up or down) because you can’t sell it. This can be good and bad. But it does help you avoid panic selling on the downside.

The terms are one and three months. There is also a flexible term option. Longer terms pay more and the flexible option pays the least. You will get higher rates if you wager 50,000 or more CRO. If you wager 500,000 or more CROs, you will get an extra 2%.

Are there any costs?

Yes, has a complex maker/taker fee structure for trading crypto. Depending on your 30 day trading volume, the maker fee can range from 0.036% to 0.40% and the taker fee can range from 0.090% to 0.40%.

It should also be noted that the minimum and maximum withdrawal fees are different for each type of cryptocurrency. It is best to read about the cost structure in detail on their website

How does compare?

When it comes to earning interest on crypto assets, BlockFi and Celsius Network are two of’s biggest competitors.

Celsius Network is the only one of the three that never charges withdrawal fees, which is an advantage. But his reward card has not yet gone live, while and BlockFi cards are now available.

Here’s a closer look at how these three platforms compare:

How do I open an account?

You can go to where you will find links to download the mobile app for iOS and Android. You must be at least 18 years old to sign up.

Is my money safe? does take measures to protect your money and cryptocurrencies. However, it is not FDIC or SIPC insured. Moreover, is not a US based company. It is based in Hong Kong where the regulations are very different. Also, you will not find a phone number or postal address to contact anyone.

How do I contact

Like other cryptocurrency platforms, offers little personal customer service. You won’t be able to find a customer service phone number on the site or even a contact form.

The good news is that the site’s Help Center is quite extensive. It also has a chat box that you can use to search for Help Center articles. Below the search field it says “The team can help if needed.” But it’s unclear how one would escalate their problem to get in touch with them.’s review on Trustpilot is “poor” with 2.2/5 of more than 4,500 reviews. That’s honestly not that unusual for a crypto exchange. Still, it’s worth noting that if you run into a problem that requires human intervention, it will likely take you a while to resolve or even get a response.

Is it worth it?

If you are comfortable using a non-US cryptocurrency platform and find’s fees attractive, it may be worth your while. But those who prefer to stick with a US company will want to look elsewhere.

US users may also be disappointed not to be able to access the Exchange, which is geared more towards the needs of advanced traders. Finally, some crypto traders may want to look for a company that offers a simpler fee schedule.

If you mainly want to buy and sell cryptocurrency, you will find all our favorite platforms here. But if you’re hoping to lend your crypto to earn interest, check out our list of the best cryptocurrency savings accounts.

Frequently Asked Questions About

Let’s answer some of the most common questions people ask about

Can you margin trade on technically supports margin trading. But as this is an Exchange feature, it is not yet available in the US

What is Pay? Pay is a mobile payment solution that uses QR codes and allows users to pay any merchant with crypto. The platform currently supports 30+ tokens.

Is the wallet non-custodial?

Yes, Wallet users retain full control over their private keys.

Do Visa Cards Have Annual Fees?

No, and ATM withdrawals are free up to a certain amount per month, depending on the specific card you own. Features

Cryptocurrency exchange, borrow and save, digital wallet, debit cards and more

150+ (fewer are available in the United States)

Makers Fees: 0.036% to 0.40%Takers Fees: 0.090% to 0.40%

Midnight Blue: 1%
Ruby Steel: 2%
Royal Indigo or Jade Green: 3%
Frosted Rose Gold or Ice White: 5%
Obsidian: 8%

Debit/Credit Pay

Varies by type of cryptocurrency

100% cold storage

$750 Million in Cryptocurrency Insurance

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