Estate planning at Crypto.com

Level Up is Crypto.com's tiered benefits program with Basic (free), Plus ($4.99/month or $49.90/year), Pro ($29.99/month or $299.90/year), and Private (12-month CRO lockup from $50,000 to $500,000) tiers. Benefits scale with tier and include zero-fee trading up to monthly caps, up to 5% APY on Cash Earn USD balances, BTC or CRO card cashback up to 5%, stock transfer bonuses, and IRA contribution match (2.0% Plus, 3.0% Pro). Private adds unlimited zero-fee trading, an additional 1% Earn bonus, and VIP perks. If you join by staking CRO, rewards are credited weekly and compound automatically; unstaking requires an estimated 36-day unbonding period. The subscription and CRO staking positions are tied to the account holder and do not transfer to heirs. Level Up does not provide any beneficiary designation or trust retitling capability for consumer accounts.

Crypto.com is not a bank. Cryptocurrency held on Crypto.com is not FDIC insured and is not protected by SIPC. Crypto.com Custody Trust Company, LLC provides qualified custodian services with segregated storage and bankruptcy-remote asset protection for institutional clients, with $120 million in digital asset insurance coverage arranged by Aon. USD balances in the Cash Earn account are FDIC-insured up to $5 million through a cash sweeps program by Green Dot Bank, Member FDIC and its partner network of FDIC-insured banks. FDIC insurance applies only to USD deposits, not cryptocurrency holdings.

Foris DAX Trust Company, LLC (d/b/a Crypto.com Custody Trust Company) is a non-depository trust company chartered by the New Hampshire Banking Department. It operates as a qualified custodian for institutional clients, providing segregated custody with unique vault addresses, Multi-Party Computation (MPC) key security, $120 million in digital asset insurance coverage arranged by Aon, and bankruptcy-remote asset protection. The custody service has achieved SOC 1 Type II and SOC 2 Type II compliance. Assets custodied by Foris DAX Trust Company are not FDIC or SIPC insured. On February 23, 2026, Crypto.com received conditional approval from the OCC to charter Foris Dax National Trust Bank (d.b.a. Crypto.com National Trust Bank) as a limited-purpose national trust bank for custody, staking, and trade settlement services.

Cash Earn is a US-only product that lets you earn up to 5.00% APY on your USD cash balance, paid out monthly in CRO. The USD Cash Earn Account is held in partnership with Green Dot Bank, Member FDIC. Up to $5 million in Cash Earn funds are FDIC-insured through a cash sweeps program with Green Dot Bank and its partner network of FDIC-insured banks. There is no minimum balance, no lockup period, no setup fees, no transfer fees, and a maximum balance of $10 million. APY depends on your Level Up tier. FDIC insurance covers USD deposits only, not cryptocurrency. Cash Earn does not support a separate beneficiary designation.