What happens to your Crypto.com accounts when you die

Crypto.com App Trading Account

Primary cryptocurrency trading account available through the Crypto.com mobile app (iOS and Android). Supports buying, selling, and holding hundreds of cryptocurrencies. Crypto.com does not support beneficiary designations (POD or TOD) on individual consumer accounts. Estate planning documents or state intestate succession laws dictate ownership transfer at death. The Level Up program (Plus, Pro, Private tiers) provides enhanced trading benefits including reduced fees.

Crypto.com Exchange

Advanced trading platform supporting spot trading, margin trading, and derivatives. Lists hundreds of coins and 600+ trading pairs. Perpetual futures available with leverage up to 50x. Foris DAX Markets LLC and Foris DAX FCM LLC hold CFTC-approved derivatives licenses for margined derivatives in the US. Same estate transfer rules apply as the main App trading account -- no beneficiary designations available.

Crypto Earn

Earn rewards on deposited crypto assets with flexible or fixed-term allocations. Reward rates vary by token, term length, Level Up tier, and total deposited amount. Level Up Private tier members receive additional bonus APY (1% to 2% p.a. extra on fixed-term allocations, paid in CRO). No separate beneficiary designation -- Earn balances are part of the user's Crypto.com account and follow the same estate transfer process.

Cash Earn

US-only product allowing customers to earn up to 5.00% APY on their USD cash balance, paid in CRO. USD Cash Earn Account is held in partnership with Green Dot Bank, Member FDIC, and its partner network of FDIC-insured banks. Up to $5 million in Cash Earn funds are FDIC-insured through a cash sweeps program. No minimum balance, no lockup period, no setup or transfer fees, and maximum balance of $10 million. APY depends on Level Up tier. No separate beneficiary designation applies -- Cash Earn assets follow the same estate transfer process as the main account.

On-Chain Staking

Stake crypto assets directly on supported blockchain protocols through the Crypto.com App. Supports 30+ tokens with flexible lock-up options. APY rates vary by cryptocurrency and market conditions (up to 18.24% per year on select tokens). Staked assets remain associated with the user's account and follow the same estate transfer rules.

Crypto.com Visa Prepaid Card

Prepaid Visa debit card with tiers tied to the Level Up program. Tiers and CRO cashback on everyday spending: Midnight Blue (free, 0% CRO), Ruby Steel ($4.99/month or $49.90/year, or $500 CRO staking; 2% CRO with $25 monthly rewards cap), Jade Green/Royal Indigo ($29.99/month or $299.90/year, or $5,000 CRO staking; 3% CRO with $75 monthly rewards cap), Icy White/Rose Gold ($50,000 CRO staking; 4% CRO, no monthly cap), and Obsidian ($500,000 CRO staking; 5% CRO, no monthly cap). Higher tiers add perks such as streaming/subscription rebates, airport lounge access, and concierge services. The card is tied to the account holder and does not transfer to heirs.

Crypto.com Visa Signature Credit Card

Visa Signature credit card with $0 annual fee and tiered cashback in BTC or CRO based on Level Up subscription tier: Basic/Midnight (free, 1.5% back), Plus/Ruby ($4.99/month or $49.90/year, 3.5% back), Pro (Jade/Indigo, $29.99/month or $299.90/year, 4.5% back), and Private (Icy/Rose/Obsidian, requires CRO lockup, up to 5% back). Includes welcome bonus offers, automatic enrollment in Level Up rewards, and Visa Signature travel benefits at higher tiers. Credit cards are tied to the individual account holder and cannot be retitled to a trust.

Crypto.com NFT

NFT marketplace supporting collections on Ethereum, Cronos, Polygon, and Cronos POS Chain blockchains. Features creator minting with a $3 submission fee, no gas fees when buying with Crypto.com wallet, rarity rankings, and customizable price alerts. Checkout supports CRO, BTC, ETH, USDC, and other cryptocurrencies. NFTs held within the Crypto.com platform are part of the user's account and follow the same estate transfer process. NFTs held in self-custody wallets require the owner's private keys or recovery phrase for heir access.

Crypto.com Onchain

Self-custody (non-custodial) wallet formerly known as Crypto.com DeFi Wallet. Users control their own private keys, which are encrypted locally on the device with Secure Enclave and protected by biometric and 2-factor authentication. Supports 4,000+ cryptocurrencies across 30+ Layer 1 and Layer 2 networks. Includes DeFi Earn integration, dapp browser, NFT management, and a browser extension. A Crypto.com account is not required to use Onchain. Because Crypto.com Onchain is self-custodial, Crypto.com cannot assist with transferring wallet assets after death -- heirs must have the recovery phrase or private keys. Estate planning for self-custody crypto requires securely storing and passing recovery phrases to trusted parties.