KEY TAKEAWAYS
- Crypto.com launches Cash Earn, offering up to 5.00% APY on cash balances for U.S. customers.
- The feature is powered by Green Dot’s Arc platform, enhancing Crypto.com’s financial technology offerings.
- Cash Earn provides flexibility with no minimum balance, no earnings cap, and up to $5 million FDIC insurance.
- The initiative aims to empower users to engage with cryptocurrencies while earning on their holdings.
On October 22, 2025, Crypto.com announced the launch of Cash Earn, a new high-yield cash feature designed to enhance banking services for U.S. customers. This feature, powered by Arc, Green Dot’s embedded finance platform, allows users to earn up to 5.00% annual percentage yield (APY) on their cash balances. The interest is paid in CRO, the native token of the Cronos blockchain, within the Crypto.com app.
Joe Anzures, General Manager, Americas and EVP of Payments at Crypto.com, stated, “We are aggressively focused on providing consumers with the most comprehensive and empowering financial technology platform – all conveniently accessible within one interface.” He highlighted the collaboration with Green Dot to offer a high-yield cash option as part of their financial technology experience.
Cash Earn provides users with competitive APY, ACH bank transfer flexibility, and up to $5 million in FDIC insurance on balances through a deposit sweeps program by Green Dot Bank. This feature enables users to grow their holdings while waiting to invest in crypto or stocks. It offers no minimum balance requirements, no caps on earnings, and no lockup period, providing users with complete flexibility over their funds.
Renata Caine, SVP and General Manager of Banking as a Service at Green Dot, expressed enthusiasm about the partnership, stating that it aims to enhance the banking experience for Crypto.com’s U.S. users. The collaboration is intended to empower users to safely and securely engage with cryptocurrencies while earning on their holdings.
Crypto.com, founded in 2016, is known for its comprehensive financial technology offerings, including crypto, stocks, and cards. The launch of Cash Earn marks another step in its mission to provide innovative financial solutions. More details about the Cash Earn program can be found here.
Why This Matters: Impact, Industry Trends & Expert Insights
Crypto.com has launched the Cash Earn feature, offering U.S. customers up to 5% APY on cash balances, paid in CRO tokens. This initiative aims to enhance the financial services offered by the platform, providing users with flexibility and competitive returns.
A recent trend in crypto-based banking services highlights the integration of blockchain technologies into mainstream financial services, including the rise of stablecoins and digital-only banks. The launch of Cash Earn by Crypto.com aligns with this trend, as it blends traditional financial products with crypto innovations to attract tech-savvy users.
According to expert opinions, high APY crypto accounts offer attractive yields but come with inherent risks such as market volatility and regulatory uncertainties. This supports the significance of Crypto.com’s Cash Earn feature, which combines competitive APYs with traditional financial safeguards like FDIC insurance, providing a balanced approach to earning on cash balances.
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