Crypto.com offers a Visa debit card powered by crypto. You can use your crypto assets to pay for goods, services and subscriptions in the real-life.

On top of crypto cashback and other benefits, their ecosystem offers a lucrative staking reward system.

If you sign up to Crypto.com and stake 50 MCO or more (roughly $250), you can get the Ruby card and $50 back by using referral code "6xy9cpcjy4" and by signing up with this affiliate link.

Flat 20% annual interest with daily payouts

When you sign up for the crypto.com ecosystem, you have access to their interest-earning staking program on the mobile app.

The highest interest you can get on the mobile app is 18% on CRO token but you have to have staked 500 MCO or more in order to get that interest.

Instead of using the staking option on the mobile app, you should activate the crypto.com exchange. The exchange gives 20% annual interest when you stake CRO for 180 days.

If you stake 10000 CRO (roughly $500), you will earn 20% a year (total of 2000 CRO) but you actually get paid (2000/365) 5.47945 CRO every single day.

You can choose to spend the daily payouts, reinvest it, or transfer the CRO to another crypto.

Compound interest with soft staking 3% or 5%

Crypto.com exchange allows you to do something called "soft staking". It means that if you simply hold any crypto on their exchange, they will give 0.25% to 5% interest every day just by holding any crypto asset on the exchange. The payout depends on how much CRO you have staked and what crypto you hold.

With CRO, you will get an extra 3% or 5% annual interest on the 5.47945 CRO daily payments.

Reinvest CRO daily payments to 12% or 14% hard staking

You can move funds between the crypto.com exchange and the mobile app without any associated cost.

If you move the daily payouts back to the mobile app, you can earn an extra 12% or 14% extra interest on the daily payouts on the flexible plan depending on how much MCO you have staked initially. I have applied for the Jade Green card and staked 500 MCO so I get 14% interest on the flexible plan.

The payouts of the mobile app staking are paid out once every week (7 days) so you will not get as much compound interest on this part. But 12/14% is better than 3% or 5% on soft staking.

Remember that minimum stake on any CRO earn plan is always 10k CRO. But if you use flexible plan, you can unstake your current stake (let's say 10k CRO) and restake it immediately with additional funds (10.2k CRO) without losing your 7 day payouts, and getting the compound interest effect rolling.

Total annual interest

Here is the calculation what is the real interest rate if you min-max your interest with CRO.

If you simply stake on the crypto.com exchange and get 3% soft staking yield, your real annual interest would be roughly 20.3%.

If you stake more than 100,000 CRO, you will get 5% soft staking yield and your real interest would be roughly 20.5%.

If you can reinvest CRO daily to 12 or 14% programs, you can get 21.2% or 21.4% annual interest.

Total annual interest will go even higher when you consider all the benefits of staking on the crypto.com exchange.

Other benefits of staking CRO on the exchange

When you stake CRO on the crypto.com exchange, these are your benefits:

Staking 20% interest (payouts daily)

Soft staking on all crypto assets

Discount trading fees up to 100%

Access to coin sale discounts called The Syndicate Events

Syndicate events are coin sales that happen every 2 weeks. You can buy coins like ETH or BTC at a discount of 25% or 50%. The higher you have staked on the exchange, the more discounted coins you can purchase.

I made a video where I go into more detail of the crypto.com exchange, the staking benefits and the syndicate events program. Watch it here:

Get $50 back when you stake 50 MCO or more

If you want to sign up to Crypto.com and stake 50 MCO or more (roughly $250) to get the Ruby card or higher, you can earn instant $50 back by using referral code "6xy9cpcjy4" and by signing up with this affiliate link.

You don't have to stake any MCO to apply for the crypto.com exchange and join the lucrative CRO staking program but it gives you other good benefits.

If you have any questions, please leave them below and I am happy to answer.