Crypto.com

Name: Crypto.com apskats
Item: Crypto.com
Rating: 3.9
Author: NorriWire

Foris DAX MT Limited (ES); Foris DAX Asia (Singapūra mātes) · MT · 8 countries served

MiCA-licensed · MFSA (Malta)★ 3.9 / 5

Crypto.com is a leading global crypto ecosystem with 100M+ users and $750B in 2024 volume. European services are operated by Malta-licensed Foris DAX MT Limited (MFSA MiCA CASP, 2025-01-27). Founded in 2016 by Kris Marszalek and Rafael Melo as Monaco. Historical regulatory fines like DNB's €2.85M and the 2022 hot wallet hack are resolved, with the US SEC formally closing its investigation in March 2025 with zero enforcement actions.

Fees

Spot maker	0.25%
Spot taker	0.50%
SEPA deposit	Free
Card deposit	2.99%

Full review

Crypto.com Exchange Review & Comprehensive Risk Analysis

Crypto.com was founded in June 2016 under the name 'Monaco' by Kris Marszalek (CEO) and Rafael Melo (CFO). The global parent entity is Singapore-based Foris DAX Asia Pte. Ltd., while European Union operations are run by its Valetta-registered subsidiary, Foris DAX MT Limited.

With over 100 million registered users globally and a total transacted volume of $750 billion in 2024, the platform remains one of the titans in the global crypto landscape.

MiCA Licensing & Regulatory Framework

Crypto.com was the first tier-1 global exchange to secure a full MiCA CASP Licence from the Malta Financial Services Authority (MFSA) on 27 January 2025. Since 12 February 2025, Foris DAX MT Limited has passported services across all 30 EEA countries. Historically, the exchange also obtained a virtual currency VASP registration in Sweden (January 2023).

Historical Risks, Hacks & Enforcement Actions

Crypto.com has experienced several prominent security breaches and regulatory conflicts that users must understand:

2022 Hot Wallet Hack: In January 2022, Crypto.com fell victim to a hot wallet security breach due to a 2FA bypass mechanism, resulting in a loss of approximately $30M–$34M. All affected users were fully reimbursed within hours, and the system was upgraded to multi-factor authentication (MFA).
DNB Fine in the Netherlands: In October 2023, the Dutch Central Bank (DNB) fined Crypto.com €2.85 million for providing unregistered services from 2020 to 2022. The exchange obtained DNB registration in July 2023 and appealed the fine.
SEPA Processor Issues in Lithuania: In early 2023, EEA users experienced payment delays when the Bank of Lithuania imposed restrictions on Crypto.com's third-party processor, Transactive Systems UAB.
SEC Wells Notice Resolution: In August 2024, Crypto.com was served an SEC Wells Notice, which prompted the firm to sue the regulator. This dispute was successfully resolved, and in March 2025, the SEC formally closed the investigation with no enforcement actions and zero fines.

Trading Experience & Fees

Mobile App: Best for casual users, but carries a high spread markup (typically around 2.99%).
Exchange Pro: Professional-grade spot trading with competitive entry fees of 0.25% maker / 0.50% taker. Staking the native CRO token allows users to reduce these fees substantially.
Deposits/Withdrawals: SEPA deposits in EUR are free (0 EUR). Card purchases carry a 2.99% transaction fee.

Norriwire Briefing

Crypto.com

Fees

Features

Pros

Cons

Full review

Crypto.com Exchange Review & Comprehensive Risk Analysis

MiCA Licensing & Regulatory Framework

Historical Risks, Hacks & Enforcement Actions

Trading Experience & Fees