Written By
Deniz Saat
Reviewed By
Jonathan Hamel

Find, the prominent cryptocurrency platform, reviews, fee structure, credit card, and referral program details. It is an all-in-one cryptocurrency platform that offers a complete crypto ecosystem, including payments, trading, and financial services


A complete crypto platform

Earn interest on deposits

Crypto-powered debit cards

Overall Rating
  • Features
  • Ease of Use
  • Payment Options
  • Fees
  • Security

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Who Are They?FeaturesCurrencies SupportedPayment MethodsSupported CountriesFees and Buying LimitsCustomer Reviews

Who are they?

There is no getting around the fact that cryptocurrency is a highly disruptive technology that’s evolving at a rapid pace. Even as you read this, innovators worldwide are working to push the evolution even further with groundbreaking platforms and technology. is one such platform that seeks to accelerate the world’s transition to cryptocurrency.

Founded in 2016, is a prominent cryptocurrency platform that has its headquarters in Hong Kong. It is an all-in-one cryptocurrency platform that offers a complete crypto ecosystem, including payments, trading, and financial services. With over 1 million users, is shaping the financial landscape of the future, helping people adopt crypto for everyday financial needs - from spending, saving, investing, to trading. It is one of the fastest-scaling cryptocurrency platforms with a built-in exchange, app, lending platform, debit card, and more. By providing digital services, the platform aims to be a powerful alternative to traditional financial services.


The app - is taking cryptocurrency to the mainstream with the mobile app.  Available for iOS and Android, the app offers you full access to the ecosystem. The app has a simple user interface, making it easy to navigate, even for crypto newbies. This is where users may buy and sell cryptocurrencies and NFTs. Earn - offers you the opportunity to earn interest by storing digital assets on You can earn 2-8% p.a. on cryptocurrency and up to 14.5% p.a. on stable coins. also offers DeFi products to earn interest on. Pay - Users have the option to pay for items they want with crypto and earn rewards. Pay for Business - Merchants have the option to start accepting Bitcoin and other popular cryptocurrencies on their websites.

The Metal Visa cards - The Visa card is a metal prepaid card that makes it easier to spend your fiat and cryptocurrency. Customers will have the opportunity to earn up to 8% back in rewards.

The exchange - This is a crypto-to-crypto exchange that helps traders to exchange cryptocurrencies. You can access the exchange by signing in with your app account or signing up for the exchange separately. But to access all the benefits of the exchange, you will need a app account.

The non-custodial wallet - It is a mobile wallet app that can be downloaded separately from the app. The wallet lets you take control of your private keys and keep it safe. loans - With loans, you can acquire loans in crypto coins up to 50% of your deposited amount. Interest rates may vary and you can apply on their website.


  • Basic Attention Token (BAT)
  • Bitcoin (BTC)
  • Ethereum (ETH)
  • Tether (USDT)
  • Ripple (XRP)
  • ATOM
  • Dai (DAI)
  • Stellar (XLM)
  • ChainLink (LINK)
  • Coin (CRO)
  • MCO
  • And more

Fiat Currencies

  • United States Dollar
  • Australian Dollar
  • Canadian Dollar
  • Swiss Franc
  • Euro
  • Pound Sterling
  • New Zealand Dollar
  • Singapore Dollar
  • Japanese Yen
  • South African Rand
  • And more

Payment Methods

The payment methods accepted by are

  • Bank transfer (ACH)
  • PayPal
  • Bank transfer (SEPA)
  • Xfers
  • Credit or Debit Card

Supported Countries is available worldwide, even though some functions of the platform might be restricted for specific locations. The countries that support are:

  • US
  • UK
  • Germany
  • France
  • Spain
  • Italy
  • Netherlands
  • Switzerland
  • Finland,
  • Portugal
  • And more.

Fees and Buying Limits

To encourage more people to adopt crypto for everyday financial needs, has a transparent, reasonable, and competitive fee structure. It also allows you to opt into cheaper exchange fees by purchasing more of their CRO token. Exchange
In the exchange, the maker fee is 0.04-0.40% plus 2.99% for credit card purchases of the value of a trade. And the taker fee is 0.015-0.07% of the value of a trade.

Also be aware that there may be a spread fee (indirect fee) where a trader may purchase a cryptocurrency above the market price and sell a cryptocurrency below market price.

Staking CRO tokens will get you a 10% (12% for private users) to 16% (18% for private users) ROI with the principal amount, and incrementally cheaper fees.

For a further breakdown of exchange fees, you may visit their fee page. App

In the Crypto app, the fee will depend on your area and it is suggested to check before purchasing crypto. Generally, you may see a 2.99-3.99% fee for credit card and debit purchases.

Exchanging fiat for crypto within your account is free.

Sending and receiving cryptocurrency with other app users is free.

Cryptocurrency transfers to external wallet addresses will be subject to Network fees.

TransferWise and PayPal fees also apply.

Customer Reviews

“The best crypto app. I discovered this platform thanks to the visa cards with cashback. But I found many other interesting functions: interest in cryptocurrencies, exchange, sale of cryptocurrencies at half price. “ Reference

“5 days and still no answer from the support for a very important question (my wallet is locked because my ledger broke) I would give -5 stars if possible.” Reference

“Great app to get into crypto, highly recommended. User friendly, easy to navigate. Plus all staff are very helpful. Recommend it to everyone, who is starting and has been in crypto. I particularly in love with the "Earn" section of this app, it's where you can stake your cryptos and get paid up to 18% interest per annum (depending on the coin or token, for instance, CRO tokens up to 18% p/a) paid in your wallet every week! You can also get the MCO Visa card and top up using your cryptos or fiat for day to day expenses and get cash rewards.

“Unable to close the account or withdraw funds. I registered for an account and applied for the ruby visa card to get a $50 bonus. Once I did, I got the $50 in CRO but it was locked. You have to deposit another 1000 coins to unlock the bonus. It cost me $161.00 and everything is now locked for 6 months.

I then discovered that even when the money is eventually released, you can only withdraw money in the amount of .5 ETH or roughly $200 at today's pricing.

This is a real deal-breaker but they do not tell you this upfront. I have sent 7 or 8 emails now following their bot chat support guidelines to cancel the account. The bot helper simply responds to my emails saying case closed and I have not received any kind of human reply for over 7 days. Reference


 safe? is praised for its thorough security in the industry. The entire platform is built on a solid foundation of security, privacy, and compliance - to safeguard its user’s interests. is the first cryptocurrency company in the world to have CCSS Level 3, ISO 27001:2013, and PCI: DSS 3.2.1, Level 1 compliance. is innovating the digital trading and banking system by presenting a completely safe and fast way for making transactions.

With, the user’s funds are stored safely in cold storage. And they also provide a cold wallet insurance fund in the event of a loss of funds. The platform also monitors all incoming transactions to prevent money laundering and fend off money coming from black markets. All the transactions through the mobile app and exchange are completed only after a two-factor authentication using biometrics, or using the Google Authenticator app.

Pros of

  • Complete crypto platform
  • High-speed exchange with competitive fees
  • Frequent promotions
  • Lets you earn interest on deposits
  • Crypto-powered rewards card
  • User-friendly
  • Trading contests and participation incentives

Cons of

  • Fees are either average or higher when compared to other exchanges.
  • Taking full advantage of its benefits requires MCO or CRO staking. You have to stake CRO tokens to get higher ROI and cheaper fees.
  • Lack of transparency in where its funding comes from


1. How does the card work?

The MCO Visa card is a metal prepaid card that is funded by converting crypto coins to USD. The card works like a regular Visa prepaid card.

2. How do I deposit funds into the app?

1. Tap on the "Transfer" button > “Deposit” > “Crypto” 2. Select the cryptocurrency you want to deposit 3. A pop-up will appear with your deposit address and its QR code.

3. How do loans work? offers loans in coins up to 50% of your deposited amount, with interest rates of 8-12% p.a. You also have the option to save on fees by converting your coins to fiat currency.

4. How does store funds?

All user funds are stored safely in cold storage. They also provide a cold wallet insurance fund in the event of a loss of funds.

5. How do I get a MCO Visa card?

1. Sign up for the app and complete the verification process. 2. Deposit your CRO into your app wallet. 3. Tap the card icon in the bottom right. 4. Choose your card.

Deniz Saat
Deniz Saat is an IT services specialist and technical writer.
Jonathan Hamel
CEO and Founder of Académie Bitcoin

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