is a one-stop-shop for users to buy, spend and save cryptocurrencies such as Bitcoin, Ethereum and Binance Coin. With a multitude of staking options to unlock various features such as interest rewards, cash-back and rebates, the company is strongly geared towards everyday individuals looking to make the most of their digital asset holdings.

The platform uses two native tokens, MCO and CRO, which serve different roles in the company’s larger ecosystem. MCO, the first token created by the project, is used as a staking mechanism to unlock tiered benefits and to upgrade credit cards with higher feature sets. In short, the more MCO you stake via the mobile application, the higher savings, rebates and cash-back incentives become available to you.

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About is a multi-site company based in China (Guangdong, Shenzhen), Hong Kong and Bulgaria (Sofia City Province, Sofia). The company’s CEO is Kris Marszalek, who has successfully built and sold several companies in Asia. (BEECRAZY). Further information about the company and the team can be found under “About us” on the has an active partnership with Visa and offers several different Visa Debit Cards in a cool design on its platform. Which design and which card you get depends on the number of MCO tokens. The CashBack on purchases also differed here. With the “Obsidian Black” card you get up to 5% CashBack on your purchases with the card and a daily cash limit of $ 1000. The platform informs its customers via Facebook, Twitter and Linkedin. Apart from the WHOIS protection (which is now standard in the crypto area), the company is quite transparent. The research carried out on the Internet so far shows a very positive picture and speaks for a reputable company. However, we always recommend caution and never invest more money or coins than you are willing to lose.The wallet is available for Apple (IPhone) as well as for the Google Play Store. The app has good recessions and works perfectly. Downloading and using the app is free and fairly intuitive. The KYC process and other settings can be carried out directly in the app. Anyone who uses the app will notice the professionalism of the company when setting up the account.


In addition to the Coin (CRO Token), the MCO Token can of course also on the wallet: Bitcoin, Ethereum, Ripple, Thether, Bitcoin Cash, Litecoin, EOS, Binance Coin, Stellar, Cardano, ChainLink, Dash, Tezos, Ethereum Classic, Cosmos, NEO, USD Coin, Maker, VeChain, and many more. For the rewards, you have to store your desired coins in the system for a specified period of time. You can find out more about this under the point “Earn Cryptos”.


The platform was founded in 2016 and has been active on the market since then. The development of the company is remarkable. In the team and in the company history you can see a continuous positive development. More than 10,000 people have subscribed to the company on Facebook. An important aspect for a reputable company in this branch is regular updates on the social media channels.


The company holds the private keys, so please note “Not your key, not your coin”. If the provider is hacked or gets into financial problems, your deposits are at risk. Therefore, please never invest more money or coins than you are willing to lose.

About CRO Token:

CRO Token enables transactions between currencies and assets to be processed for the native chain. It is available on several global exchanges. The CRO token fulfills the following functions: • Allows currencies to be transferred between different coins • Participants who write transactions on the network use CRO to pay the block transaction fees • The participating nodes are rewarded in CRO for processing and validating transactions in the network • Customers who pay directly with CRO pay minimal fees Similar to Binance with the BNB token, the CRO token acts as a utility token for paying fees.


About MCO Token: carried out the MCO token sale from May to June 2017 and raised $ 26.7 million. MCO has a trading volume of 15.8 million tokens and is traded on 22 exchanges worldwide. The MCO token program has been significantly improved since it was launched and is still being developed. The MCO token is an ERC-20 token that entitles to certain staking rewards within the universe. Depending on how many MCO tokens are held, the better conditions you get for your credit Card.


Earn Cryptos with

Extremely exciting and certainly interesting for most users, the “earn” program from You get an interest on the fixed investment of various coins at This in turn depends on the investment time, the coin and the amount of MCO tokens you hold.

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8 responses

  1. Team says:

    Dear Valued Customer,

    In preparation for Brexit, as of 1 J‌anuary 2‌021, Crypto.‌com Visa cardholders based in the European Union will contract with UAB PayrNet (a regulated Electronic Money Institution (EMI)), part of the Railsbank group.

    From 1 J‌anuary 2‌021, UAB PayrNet will be (A) the issuer of the card and (B) the e-money issuer for the card. Crypto.‌com will remain the program manager.

    Nothing will change with respect to how you use your card. You can expect uninterrupted use of your card and your funds will remain safe throughout the transition.

    These changes have been reflected in the new Terms and Conditions (T&C’s). Please review and accept the new T&C’s in the Crypto.‌com App.

  2. Blog says:

    Dear Valued Customer,

    On Tuesday 13 October 2020, 09:00 UTC,adjustments were made to CRO Staking and Earn Rates:

    • CRO Staking Rates: 6% p.a. for both App andExchange

    • CRO Earn Rates: 4% p.a., 2% p.a. and 1% p.a. for3-Month, 1-Month and Flexible Terms respectively

    • CRO Soft Staking Rate: 1% p.a. regardless of CROstaked App

    • If you are already staking 10,000 or more CRO for the Card before the effective timestamp, your CRO Staking Rewards will remain at 16% p.a. until the 180-day staking period is complete. If you complete your 180-day staking period before the above effective timestamp, your CRO Stake Rewards will be adjusted to 6% p.a. immediately on the effective timestamp.

    • If you stake 10,000 or more CRO for the Card after the effective timestamp, you will receive 6% p.a. of CRO Staking Rewards.

    • Your CRO interests generated from Earn fixed-term deposits made before the effective timestamp will remain at up to 18% p.a. until the staking period is complete. Exchange

    • If you are already staking CRO on the Exchange before the effective timestamp, your CRO Staking Interest will remain at 20% p.a. until the 180-day staking period is complete.

    • If your CRO staked is matured and ready to be unstaked before the effective timestamp, your new CRO Staking Interest will be 6% p.a. after the effective timestamp.

    • If you actively stake more CRO, receive Deposit Bonus or Early Swap Bonus after the effective timestamp, you will receive 6% p.a. for the entire amount of CRO staked.

    • The 1% p.a. CRO Soft Staking interest is effective for October 14’s calculation and payout.

    Formore information, please refer to our Help Centre.

    Thank you for supporting

    The Team

  3. Blog says:

    In September, was busy building our ambitious DeFi roadmap: DeFi Swap is now live and offers 15 tokens for users to swap and farm, including UNI, YFI, WBTC, LINK – with CRO DeFi Yield, users can boost their yield by up to 20x; the DeFi Wallet has been upgraded to support 78 assets including some of the most popular DeFi tokens, stablecoins, major crypto, alongside more ERC-20 tokens, and integrated Chainlink’s Price Reference Data to provide decentralized price feeds; Supercharger was launched on the Exchange for mining the most popular DeFi projects, starting with UniSwap on 30 September! Last but not least on DeFi, we have also partnered with Boston Consulting Group to release a new report “The Sudden Rise of DeFi”. Some more good news – the instant cashback rate for cards will be increased to 8% for Obsidian and 5% for Frosted Rose Gold and Icy White; did you know our App and Exchange are now available in French, Spanish, Italian, and Korean? For all the updates released in September, read on!

  4. Team says:

    Dear Valued Customer,

    We have completed the necessary system maintenance of the Exchange and trading has resumed as-of 6:15PM UTC on Tuesday, 22 September 2020.

    We went into system maintenance 4:21PM UTC on Sunday, 20 September 2020 (12:21AM HKT/ 21 September 2020) after encountering database issues that caused an outage.

    All customer funds were kept safe throughout the process.

    Just prior to resumption of trading, all transactions were rolled back to a snapshot taken at 3:45pm UTC on Sunday, 20 September 2020.

    We sincerely apologise for the inconvenience caused, please reach out to should you have any questions or concerns relating to your account.

    Thank you for your patience and continuous support of
    With Kind Regards,
    The Team

  5. Team says:

    We are pleased to present our Stake-to-Take program on the Exchange today, 31 August 2020 where users get rewards in CRO for trading on the Exchange.

    What’s new?

    1. Retail users can now earn up to 0.10% in taker fees when they trade on the Exchange. Additional trading discounts in the form of rebates increases with CRO amount staked, and fees must be paid in CRO to be eligible.

    2. Minimum staking requirement has been reduced by 50% to 5,000 CRO for both individual and institutional customers to be eligible for additional trading discounts.

    Learn how it works here

    Twitter Giveaway – US$1,000 in BTC

    – RT & ♥️ this tweet
    – Follow @cryptocom on Twitter
    – Put your Exchange referral link in your bio
    100 lucky winners will be chosen on 30 September!

    Thank you for your continued support for

    The Team

  6. Blog says:

    We are pleased to announce that Pay — the company’s payment solution for online merchants — will now accept CRO payments from any ERC-20 wallet. This evolution of Pay will help merchants expand their reach by giving customers more wallet options to spend CRO and increase transaction volume.

    There are an estimated 30 million+ ERC-20 wallets across the global crypto industry, a massive potential market for merchants seeking to attract crypto users to their websites. Today’s enhancement of Pay allows merchants to facilitate widespread acceptance of payments from all ERC-20 wallets.

    This is a big milestone in CRO utility, and a major step towards widespread adoption of CRO. Now, anyone with an ERC-20 wallet can transact with Pay merchants such as Ledger, BC Vault and Those merchants will benefit from a large customer base using 30M+ ERC-20 wallets, regardless of which wallet customers choose to use.

    Since launching in 2018, Pay has helped merchants such as Ledger, Coinzilla, as well as platforms such as WooCommerce and Oveit tap into the global cryptocurrency economy and accept crypto on their website. Pay features zero transaction fees and only 0.5% for settlements – an 80% saving on fees compared to typical payment processors – with low volatility and easy integration for merchants. Merchants interested in offering Pay to their customers can sign up here.

    For users, all payments made in CRO are entitled to CRO cashback, known as Pay Rewards, which are collected in the user’s App. Until Sept 30th, 2020, customers paying with wallets other than App can also enjoy the 2X Pay Rewards privilege enjoyed by App users with 10,000 CRO staked in Exchange or with an active 3 Months Earn term, which is up to 10% of Pay Rewards. If the email provided by the customer does not belong to a App account, the Pay Rewards can still be able to be collected if the someone uses that email to sign up at App and verified within 90 days. More details about Pay Rewards can be found here.

    For more details, please visit our FAQ page here (for merchants) and here (for retail customers).

  7. Team says: Team (Thursday, 06 August 2020 12:06)

    In order to maximise the benefits arising from increasing use of blockchain technology, streamline our operations and leverage the advanced capabilities of the Chain, we are implementing the MCO Swap Program.

    The process for swapping your MCO, and the terms and conditions that apply to this process, are set out below.

    Please read this announcement carefully. Action is required before 2 Nov 2020 at 23:59 UTC, or you will lose the functionality currently associated with your MCO. We will not perform the MCO swap on your behalf and the swap will not happen automatically.[1]

    What is the MCO Swap Program?

    At its core, MCO is a blockchain-based transferable representation of attributed functions of the Smart Contract System.

    There will be no change to this core functionality, but we are expanding MCO functionality and representing it in a new way. Specifically, the MCO Swap Program will involve combining the current functionalities of MCO, with CRO’s utility and technology, in a “one stop shop” token to enable a streamlined ecosystem. The swap program will also serve to leverage the advanced capabilities of the Chain, in preparation of its upcoming mainnet launch.

    Once the swap process is complete:
    •The ecosystem will use one streamlined token (CRO) with the combined functionality, rather than two separate tokens (CRO and MCO).
    •All functions currently attributed to MCO will still exist and will be preserved, but will be enhanced and represented by CRO.
    •MCO that is not swapped will still exist and circulate on the Ethereum blockchain as ERC-20 tokens, but will no longer support these tokens and no service or product will require or permit usage of these tokens.

    What do I need to do?

    Between 3 Aug 2020 at 06:00 UTC and 2 Nov 2020 at 23:59 UTC, MCO holders can swap MCO through the App.

    The App will handle all technical requirements involved during the MCO swap process. To complete the swap process, simply:
    1.Log in to the App
    2.Follow all the on-screen instructions, which should take approximately 2 to 3 minutes to complete.

    You must complete this process by 2 Nov 2020 at 23:59 UTC. Please plan ahead and ensure you leave enough time in case of any internet or system issues.
    #11 Team (Thursday, 06 August 2020 12:07)

    At the completion of the MCO swap process, your MCO will be swapped for CRO in the App. See below if you do not have a account or if your MCO is currently staked or held elsewhere.

    Fraud Prevention Warning

    Completing the MCO swap process through the App is the only method for swapping your MCO.

    You may receive notifications from persons impersonating, or you may see posts online from persons claiming to represent For example, these notifications and posts may request that you send MCO to a particular wallet in order to complete the swap process.

    If you receive such requests, do not send any MCO to any wallet, do not reply to any such notification or post, and please notify us immediately at

    What is the swap formula? will use the following formula based on the volume weighted average price as expressed in United States dollars (“VWAP”) to determine the number of CRO allocated to you that reflects each swapped MCO:

    1 MCO = (30-day VWAP of MCO / 30-day VWAP of CRO) x 1 CRO

    (30 days between 4 Jul 2020 to 2 Aug 2020, both dates inclusive)

    MCO to CRO Swap Rate

    Please note that based on the swap formula above, the swap rate of MCO to CRO is fixed at:

    1 MCO = 27.6439 CRO

    Are there any bonuses? will offer an Early Swap Bonus in CRO if the MCO swap is performed before 2 Sep 2020 23:59 UTC, based on the following formula and criteria:

    Early Swap Bonus
    Value The participant will receive an Early Swap Bonus, that is equivalent to 20% of the amount swapped at the MCO to CRO Swap Rate.
    Distribution The Early Swap Bonus will be distributed on the Exchange and Staked for 6 months.

    If the participant has not yet registered for a Exchange account, the Early Swap Bonus will be held on the participant’s behalf and will be credited upon successful registration.

    If the Exchange is not available in the participant’s jurisdiction, the Early Swap Bonus will be put on a 3 month Earn deposit in the App.
    Validity Perform the MCO to CRO Swap between 3 Aug 2020 at 06:00 UTC and 2 Sep 2020 at 23:59 UTC

    MCO to CRO Swap Rate, including Early Swap Bonus:

    1 MCO = 33.1726 CRO

  8. Blog says:, the pioneering payments and cryptocurrency platform, announced today that it has added Bitcoin Cash (BCH) to Soft Staking, allowing Exchange users to enjoy up to 0.75% p.a. on BCH deposited to and held in the Exchange. With the new addition of BCH, Soft Staking now supports 14 cryptocurrencies, including BTC, ETH, USDT, USDC, XRP, LTC, EOS, XLM, ATOM, MCO, CRO, LINK, XTZ and BCH.

    With Soft Staking, rewards are offered on a flexible term, and no commitment period is required. Interest is paid daily in the respective cryptocurrency, and funds placed in pending orders and CRO used to subscribe for events on the Syndicate are also included.

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