Crypto.com Exchange
Centralized exchangeA widely licensed exchange: EU MiCA, Dubai VARA, ADGM, Singapore MAS, UK FCA and US state licences.
- Spot fee
- 0.25% / 0.5%
- Lower with volume and CRO staking
- Coins with a halal verdict
- 0
- of those listed here
- Available in
- 17 of 20
- countries we track
- Checked
- Sep 27, 2026
Reliability
7.0/ 10
Wide licences and strong security certifications; the last independent proof of reserves is from 2022.
Score updated
- Proof of reserves4.0
- Licences10.0
- Incident history8.0
- Segregation of funds6.0
- Insurance fund5.0
- Security practices10.0
Liberandum halal verdict
Suitable with care
Spot trading in halal coins is fine with care; avoid margin, derivatives and Crypto Earn.
Use
- Spot trading, coin by coin
Avoid
- Margin, derivatives
- Crypto Earn, lockup staking rewards
More details
Crypto.com Exchange is a widely licensed platform (EU MiCA, Dubai VARA, ADGM, Singapore MAS, UK FCA, US state licences) with strong security certifications, and its spot market settles immediately. It has no Shariah-certified product or token screening, and its only independent proof of reserves dates to December 2022, so use it with care: spot only, halal coins only. Spot trading on Crypto.com Exchange settles immediately, which meets the AAOIFI requirement of immediate exchange (Shariah Standard No. 1 and No. 20). The platform also offers margin trading, perpetual futures and other derivatives, trading bots and, in the Crypto.com App, Crypto Earn and similar products that pay a fixed or variable yield on deposits. Margin, futures and options fail the Shariah standards, and fixed-yield lending is riba. Crypto.com has no Islamic account, no Shariah-certified earn product and does not screen its token catalogue for Shariah compliance. On reliability, Crypto.com holds one of the broadest licence sets in the industry: a MiCA CASP authorisation in Malta (January 2025), VARA and ADGM licences and a Central Bank of the UAE Stored Value Facilities licence (May 2026), a Payment Service Provider licence in Bahrain, a UK crypto-asset registration and EMI licence, a Major Payment Institution licence in Singapore, US money transmitter licences and CFTC-regulated DCM/DCO entities. It reports ISO/IEC 27001:2022, SOC 2 Type II and PCI DSS v4.0 Level 1 compliance, and in September 2021 announced an insurance programme of up to USD 750 million for cold-storage assets; no newer figure was found. The weak point is proof of reserves: the only independent attestation found is by Mazars as of 7 December 2022; no newer attestation could be confirmed as of September 2026. In January 2022 attackers withdrew about USD 34 million from 483 accounts; Crypto.com reimbursed all affected users. In September 2025 Bloomberg reported a previously undisclosed pre-2023 breach of personal data of a small number of users; no customer funds were accessed. The Exchange's spot market is not offered in Bangladesh, Iraq and Lebanon, and the Crypto.com App is also blocked in Indonesia and Algeria. In the US the Exchange is available except in New York. Reliability score 7.0 out of 10, but with no halal product and no token screening, the verdict is suitable with care.
How to use Crypto.com Exchange the halal way
What is allowed and what to avoid on this exchange
- Allowed
Spot
Settles immediately; screen each coin
- Allowed
Convert
Instant swap, settles like spot
- With care
Staking
CRO staking rewards not certified
- Avoid
Savings and Earn
Crypto Earn pays interest-like returns
- Avoid
Margin
Trading with borrowed money
- Avoid
Futures and options
Futures, options, perpetuals, no delivery
- Avoid
Loans
Borrowing on interest
- Avoid
Structured products
Fixed return, not certified
No dedicated halal product
Crypto.com offers no Islamic account and no Shariah-certified earn or staking product as of September 2026. Crypto Earn and similar yield products pay a return on deposited assets and should be avoided.
No token screening
Crypto.com does not screen listed tokens for Shariah compliance; its listing review is a regulatory and risk review, not a Shariah screen. Check each coin on Liberandum before buying.
Step by step
How to trade halal on Crypto.com Exchange
Open an account and complete KYC
Sign up for Crypto.com Exchange (the same login as the Crypto.com App), enable two-factor authentication or a passkey, and complete identity verification before trading.
Deposit without interest products
Deposit fiat through a supported bank rail or transfer crypto from another wallet. Do not place funds in Crypto Earn, lockup staking rewards or any product that promises a fixed or variable yield on deposits.
Trade only in the Spot market
Use the Spot trading view with full settlement. Keep margin switched off and do not use Derivatives (perpetuals, futures, options), leveraged trading bots or copy trading of derivatives.
Be careful with CRO staking for fee discounts
Lower fees are linked to CRO staking. If a staking or lockup arrangement pays rewards on the staked tokens, treat it as a yield product and check it before joining; trading at the standard fee tier avoids the question.
Check each coin on Liberandum
Crypto.com does not screen tokens for Shariah compliance. Before buying, check the coin's halal status on Liberandum.
Withdraw to self-custody
After buying, withdraw coins to your own wallet (whitelisted address). Crypto.com's last independent proof of reserves dates to December 2022, so avoid keeping large balances on the exchange.
Availability
Where Crypto.com Exchange serves users and under which licence
Your country:Choose your country
- Bahrain
- Bangladesh
- Egypt
- European Union
- Indonesia
- Jordan
- Kazakhstan
- Kuwait
- Malaysia
- Morocco
- Nigeria
- Oman
- Pakistan
- Qatar
- Saudi Arabia
- Türkiye
- United Arab Emirates
- United Kingdom
- United States
- Uzbekistan
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- Country not found
Choose your country to see availability
Available in United Arab Emirates
- Licence
- VARA Virtual Assets Service Provider licence (Dubai); Central Bank of the UAE Stored Value Facilities licence (May 2026); ADGM Category 3A licence (Abu Dhabi).
- KYC
- Full KYC (ID + selfie) required before trading.
Available in Saudi Arabia
- Licence
- No local licence; not on the Exchange spot restriction list.
- KYC
- Full KYC (ID + selfie) required before trading.
Available in Qatar
- Licence
- No local licence; not on the Exchange spot restriction list.
- KYC
- Full KYC (ID + selfie) required before trading.
Available in Kuwait
- Licence
- No local licence; not on the Exchange spot restriction list.
- KYC
- Full KYC (ID + selfie) required before trading.
Available in Bahrain
- Licence
- Payment Service Provider licence from the Central Bank of Bahrain (payments; not a crypto exchange licence).
- KYC
- Full KYC (ID + selfie) required before trading.
Available in Oman
- Licence
- No local licence; not on the Exchange spot restriction list.
- KYC
- Full KYC (ID + selfie) required before trading.
Available in Jordan
- Licence
- No local licence; not on the Exchange spot restriction list.
- KYC
- Full KYC (ID + selfie) required before trading.
Available in Egypt
- Licence
- No local licence; not on the Exchange spot restriction list. Local rules on crypto trading apply.
- KYC
- Full KYC (ID + selfie) required before trading.
Available in Morocco
- Licence
- No local licence; not on the Exchange spot restriction list.
- KYC
- Full KYC (ID + selfie) required before trading.
Available in Türkiye
- Licence
- No local licence found; not on the Exchange spot restriction list.
- KYC
- Full KYC (ID + selfie) required before trading.
Restricted in Indonesia
- Licence
- No local licence. Indonesia is on the Crypto.com App geo-restriction list, but not on the Exchange spot restriction list.
- KYC
- Full KYC (ID + selfie) required before trading.
Available in Malaysia
- Licence
- No local licence found; not on the Exchange spot restriction list.
- KYC
- Full KYC (ID + selfie) required before trading.
Available in Pakistan
- Licence
- No local licence; not on the Exchange spot restriction list.
- KYC
- Full KYC (ID + selfie) required before trading.
Not available in Bangladesh
- Licence
- Bangladesh is on both the App and the Exchange spot geo-restriction lists.
- KYC
- Registration not accepted.
Available in Kazakhstan
- Licence
- No local licence; not on the Exchange spot restriction list.
- KYC
- Full KYC (ID + selfie) required before trading.
Available in Uzbekistan
- Licence
- No local licence; not on the Exchange spot restriction list.
- KYC
- Full KYC (ID + selfie) required before trading.
Available in Nigeria
- Licence
- No local licence; not on the Exchange spot restriction list.
- KYC
- Full KYC (ID + selfie) required before trading.
Available in United Kingdom
- Licence
- FCA crypto-asset business registration and Electronic Money Institution licence.
- KYC
- Full KYC (ID + selfie) required before trading.
Restricted in United States
- Licence
- US money transmitter licences, FinCEN MSB registration, CFTC-regulated DCM and DCO. Exchange not available in New York; margin and derivatives of the global Exchange not offered to US accounts.
- KYC
- Full KYC (ID + selfie, SSN) required before trading.
- Local currency
- USD via ACH and Fedwire (Fedwire not in some states)
Available in European Union
- Licence
- MiCA crypto-asset service provider authorisation of Foris DAX MT Limited from the Malta Financial Services Authority (January 2025), passported across the EEA.
- KYC
- Full KYC (ID + selfie) required before trading.
- United Arab EmiratesAvailable
VARA Virtual Assets Service Provider licence (Dubai); Central Bank of the UAE Stored Value Facilities licence (May 2026); ADGM Category 3A licence (Abu Dhabi).
- Saudi ArabiaAvailable
No local licence; not on the Exchange spot restriction list.
- QatarAvailable
No local licence; not on the Exchange spot restriction list.
- KuwaitAvailable
No local licence; not on the Exchange spot restriction list.
- BahrainAvailable
Payment Service Provider licence from the Central Bank of Bahrain (payments; not a crypto exchange licence).
- OmanAvailable
No local licence; not on the Exchange spot restriction list.
- JordanAvailable
No local licence; not on the Exchange spot restriction list.
- EgyptAvailable
No local licence; not on the Exchange spot restriction list. Local rules on crypto trading apply.
- MoroccoAvailable
No local licence; not on the Exchange spot restriction list.
- TürkiyeAvailable
No local licence found; not on the Exchange spot restriction list.
- IndonesiaRestricted
No local licence. Indonesia is on the Crypto.com App geo-restriction list, but not on the Exchange spot restriction list.
- MalaysiaAvailable
No local licence found; not on the Exchange spot restriction list.
- PakistanAvailable
No local licence; not on the Exchange spot restriction list.
- BangladeshUnavailable
Bangladesh is on both the App and the Exchange spot geo-restriction lists.
- KazakhstanAvailable
No local licence; not on the Exchange spot restriction list.
- UzbekistanAvailable
No local licence; not on the Exchange spot restriction list.
- NigeriaAvailable
No local licence; not on the Exchange spot restriction list.
- United KingdomAvailable
FCA crypto-asset business registration and Electronic Money Institution licence.
- United StatesRestricted
US money transmitter licences, FinCEN MSB registration, CFTC-regulated DCM and DCO. Exchange not available in New York; margin and derivatives of the global Exchange not offered to US accounts.
- European UnionAvailable
MiCA crypto-asset service provider authorisation of Foris DAX MT Limited from the Malta Financial Services Authority (January 2025), passported across the EEA.
Presence by country
- United Arab EmiratesDubai VARA VASP licence, ADGM FSRA Category 3A licence, Central Bank of the UAE Stored Value Facilities licence (May 2026).Licensed
- BahrainCentral Bank of Bahrain Payment Service Provider licence (September 2024); covers payments, not exchange services.Licensed
- Saudi ArabiaServes users without a local licence.Available
- QatarServes users without a local licence.Available
- KuwaitServes users without a local licence.Available
- OmanServes users without a local licence.Available
- JordanServes users without a local licence.Available
- EgyptServes users without a local licence.Available
Show 12 more
- MoroccoServes users without a local licence.Available
- TürkiyeServes users without a local licence.Available
- IndonesiaApp geo-restricted in Indonesia; Exchange spot not on its restriction list; no local licence.Restricted
- MalaysiaServes users without a local licence.Available
- PakistanServes users without a local licence.Available
- BangladeshOn both the App and Exchange spot geo-restriction lists.Unavailable
- KazakhstanServes users without a local licence.Available
- UzbekistanServes users without a local licence.Available
- NigeriaServes users without a local licence.Available
- IraqOn the Exchange spot geo-restriction list.Unavailable
- LebanonOn the Exchange spot geo-restriction list.Unavailable
- AlgeriaApp geo-restricted in Algeria; Exchange spot not on its restriction list.Restricted
Reliability in detail
Overall 7.0 of 10
Proof of reserves
4.0Independent proof of reserves by Mazars as of 7 December 2022, with Merkle tree verification, covering nine tokens (BTC, ETH, USDC, USDT, LINK, DOGE, SHIB, XRP, MANA). No newer independent attestation could be confirmed as of September 2026.
Licences
10.0MiCA CASP (MFSA, January 2025), Dubai VARA, ADGM Category 3A, Central Bank of the UAE SVF (May 2026), Bahrain PSP, UK FCA registration and EMI, Singapore MAS MPI, US money transmitter licences and CFTC DCM/DCO, Australian AFSL.
Incident history
8.0January 2022: about USD 34 million withdrawn from 483 accounts after a 2FA bypass; all affected users reimbursed. September 2025: Bloomberg reported an undisclosed pre-2023 breach of a small number of users' personal data; no funds accessed.
Segregation of funds
6.0Crypto.com states assets are held 1:1 and operates regulated entities (MiCA, VARA, MAS) that require client asset safeguarding, but no current independent audit confirming segregation was found.
Insurance fund
5.0Third-party insurance of up to USD 750 million for cold-storage assets held with Ledger Vault, led by a Lloyd's syndicate (announced September 2021; no newer figure found). No self-funded user protection fund with disclosed on-chain addresses.
Security practices
10.0ISO/IEC 27001:2022, ISO/IEC 27701, ISO 22301, SOC 2 Type II, PCI DSS v4.0 Level 1; cold storage, passkeys and MFA, withdrawal address whitelisting, HackerOne bug bounty, Kudelski Security testing of core blockchain systems.
Fees
Spot trading, deposits and withdrawals
Spot trading
0.25% maker · 0.5% taker
Base tier (under USD 10,000 30-day volume): 0.25% maker, 0.50% taker. Lower fees with 30-day volume and CRO staking; the invite-only top tier is 0% maker, 0.025% taker.
Deposits
US: ACH deposits with USD 1 minimum and no platform fee; Instant ACH funds cannot be withdrawn for seven business days. Fiat deposit fees in other countries were not confirmed.
Withdrawals
US fiat withdrawals have a USD 100 minimum. Crypto withdrawals carry per-network fees shown at withdrawal; exact amounts not confirmed.
Halal coins you can buy on Crypto.com Exchange
Coins with a halal verdict listed on this exchange
No coins with a halal verdict on this exchange yet
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