Wallets/crypto-com

Crypto.com (Crypto.com Pay + Visa Card)

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Overview

Crypto.com is a major global crypto-exchange + crypto-card-payment platform, operated by Foris DAX MT Limited (Malta-incorporated) [1, 2]. By 2025, Crypto.com served 100+ million users globally across 90+ jurisdictions. The Crypto.com Visa Card + prepaid + credit-card products enable spending crypto by automatic conversion to fiat at point-of-sale — among the most popular crypto-card products.

Major 2025 milestones:

April 2025 — Crypto.com Visa Signature® Credit Card US launch via Bread Financial partnership — first US Crypto.com credit-card with 5 tiers (Midnight Blue → Obsidian) + uncapped CRO rewards.
April 30, 2025 — USD-Denominated Crypto.com Prepaid Visa Card US launch.
Visa-backed crypto card industry growth: Net spending from $14.6M (Jan 2025) to $91.3M (Dec 2025) — +525% YoY.

History

2016 — Monaco card launches [2]: Crypto.com's predecessor; "MCO" token.

2018 — Rebranded to Crypto.com [2]: Acquired premium crypto.com domain.

2020-2022 — Mass crypto-card + exchange growth + UFC + F1 + LA Lakers naming-rights deals [2]: Major sports-marketing visibility.

2023-2024 — Continued exchange + card growth amid crypto-cycle recovery.

April 2025 — Bread Financial US Crypto.com Visa Signature Credit Card launch [3]: First US Crypto.com credit-card with 5 tiers.

April 30, 2025 — USD-Denominated Prepaid Visa Card US launch [4].

2025 — Visa-backed crypto card 525% YoY growth [3] (industry-wide context including Crypto.com).

Ownership & operator

Operating entity: Foris DAX MT Limited (Malta) — Crypto.com's primary operating entity.

Founder + CEO: Kris Marszalek (Polish-Australian; founded Monaco predecessor 2016).

Regulators (multi-jurisdiction):

Singapore: MAS (Major Payment Institution license).
Malta: MFSA (Crypto operating license).
Bahrain: CBB.
France: AMF (PSAN registration).
UAE: VARA + ADGM.
US: state-level money transmitter + Bread Financial banking partnership for Visa Signature Credit Card.

Technical integration

Layer	Description
Channels	Crypto.com mobile app (iOS + Android) + Crypto.com web + Crypto.com Visa Cards (prepaid + credit)
Identifiers	Email + card number + blockchain addresses (DeFi Wallet)
Card products	Crypto.com Visa Card (prepaid, 5 tiers) + Crypto.com Visa Signature Credit Card (US, 5 tiers, April 2025+) + USD-Denominated Prepaid Visa Card (US, April 30, 2025+)
Card-network partner	Visa
US banking sponsor (Credit Card)	Bread Financial
Auto-conversion	Crypto → fiat at point-of-sale via Crypto.com platform
Crypto.com DeFi Wallet	Distinct self-custody Web3 wallet product
Native token	CRO (Cronos) — used for staking + rewards

Users & growth

2025 [1]:

Users: 100+ million globally
Markets: 90+ jurisdictions
Visa-backed crypto card industry growth (Jan → Dec 2025): $14.6M → $91.3M monthly net spending (+525% YoY)

Use cases

Crypto trading (exchange); spending crypto via Visa Card (5 tiers); credit-card US (April 2025+ Bread Financial); USD-Denominated Prepaid Visa Card US (April 30, 2025+); CRO staking + rewards; Crypto.com DeFi Wallet (self-custody); Crypto.com NFT marketplace; sports + entertainment integrations.

Implementations & partners

Operator: Foris DAX MT Limited (Crypto.com).

Card-network partner: Visa.

US Credit Card banking sponsor: Bread Financial (April 2025+).

Sports partnerships: UFC, F1 Aston Martin, LA Lakers arena (Crypto.com Arena), Paris Saint-Germain.

Major competitors: [[binance-pay]] (21M+ merchants), [[coinbase-wallet]] (Coinbase Exchange custodial trading), Kraken, OKX, Bybit, KuCoin (other major crypto exchanges).

Native token: CRO (Cronos).

Regulator: MAS + MFSA + CBB + AMF + VARA + ADGM + state-level US + others.

Fun facts

2016 launch as Monaco with MCO token; 2018 rebranded to Crypto.com after acquiring premium crypto.com domain.
100M+ users + 90+ jurisdictions (2025) — among largest crypto-platform user bases.
April 2025 first US Crypto.com Visa Signature Credit Card with 5 tiers (Midnight Blue → Obsidian) via Bread Financial partnership.
Sports-marketing visibility: UFC, F1 Aston Martin, LA Lakers' Crypto.com Arena (formerly Staples Center) naming rights, Paris Saint-Germain partnership.
CRO (Cronos) native token for staking + rewards.
Foris DAX MT Limited Malta-incorporated primary operating entity.
Kris Marszalek founder + CEO (Polish-Australian).
Visa-backed crypto card industry +525% YoY (Jan → Dec 2025) — major crypto-payment growth context.

Comparison

Feature	Crypto.com	[[binance-pay]]	[[coinbase-wallet]] (+ Coinbase Exchange)	Kraken	OKX
Operator	Foris DAX MT Limited (Malta)	Binance Holdings (Seychelles)	Coinbase Global (NASDAQ: COIN)	Payward, Inc.	OKX
Type	Exchange + Visa Card + DeFi Wallet	Exchange + Pay merchant network + self-custody	Exchange (custodial) + Wallet (self-custody)	Exchange-focused	Exchange + Web3 wallet
Users	100M+	45M (Binance Pay specifically)	Coinbase: substantial	~10M	Substantial
Card products	Visa Card prepaid + Visa Signature Credit (US April 2025+)	n/a	Coinbase Card	n/a	Limited
Native token	CRO (Cronos)	BNB (Binance Chain)	Coinbase doesn't use native exchange token	Limited	OKB
US presence	Bread Financial Credit Card April 2025+	Limited US (post-DOJ)	Full US (NASDAQ-listed)	Full US	Limited US
Sports marketing	UFC + F1 + LA Lakers + PSG	UFC (historical)	Limited	NHL	Limited

Status

Active, major global crypto platform with Visa Card + new US Credit Card [1, 3]:

Foris DAX MT Limited (Crypto.com) since 2016.
100+ million users globally + 90+ jurisdictions.
April 2025 US Crypto.com Visa Signature Credit Card launch (Bread Financial partnership).
April 30, 2025 USD-Denominated Prepaid Visa Card US launch.
Visa-backed crypto card industry +525% YoY (Jan → Dec 2025) context.

Sources

Source

Biography extracted from crypto-com.md. See matrix.md for standards-support matrix if present.