Crypto.com Introduces High-Yield Cash Account for U.S. Users

Key takeaways

• Cash Earn allows U.S. users to earn up to 5.00% APY in CRO with no minimum balance or lockup period
• Up to $5 million in user funds are FDIC-insured through Green Dot Bank and its network
• Interest is distributed monthly in CRO, based on user Level Up plans

New flexible earning option now live for U.S. customers

Crypto.com has launched its Cash Earn feature for U.S.-based users, providing a new way to earn returns on cash balances without committing to locked crypto products or traditional savings constraints. The new feature offers an annual percentage yield (APY) of up to 5.00%, paid out in Crypto.com’s native CRO token, with interest rates linked to each user's Level Up plan.

The program does not require a minimum balance and carries no maximum earnings cap, allowing users to move and manage their funds as they wish. There is also no lockup period, meaning users can access their money at any time while continuing to earn yield on idle balances.

Cash Earn accounts are FDIC-insured for up to $5 million through a sweep program provided by Green Dot Bank, a member of the FDIC, and its affiliated institutions. The feature functions as a subaccount of the USD Cash Account offered in the Crypto.com App. Users must first open a USD Cash Account through Green Dot Bank to enable Cash Earn, which also supports ACH bank transfers for added convenience.

Flexible earnings and optional staking benefits

Interest generated from Cash Earn is credited monthly in CRO and transferred directly into the user’s Crypto Wallet. While the product is designed for accessibility and flexibility, users in eligible states have the additional option to stake their CRO, further compounding rewards while contributing to the security of the Cronos network.

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The offering is made possible through a partnership with Green Dot Bank, a financial institution established in 1999. Green Dot provides a range of financial services, including digital banking and savings solutions. This collaboration allows Crypto.com to extend higher-yield options to its users without functioning as a bank itself.

Conclusion

With Cash Earn, Crypto.com is giving U.S. users a practical way to earn interest on idle funds without sacrificing liquidity. By combining daily flexibility, monthly CRO rewards, and FDIC insurance coverage, the platform continues to expand its financial product suite while appealing to both crypto newcomers and seasoned users looking for passive income options.

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