Comparison of Crypto.com vs Pointpay [ 2024 ]

The crypto exchanges compared by their commissions, cryptos, security and much more. Here is the Crypto.com vs Pointpay comparison!

Your expert: Alejandro Borja

Crypto.com

Your expert: Xavier Tarrasó

Pointpay

Main points

Fees

≈ 0,075%

Earns

Customer service

4/5

0.05%

Fees

Yes

Earns

3/5

Customer service

Recommended for

Beginners

Yes

Trading

Yes

Passive income

Buy and hold

Yes

Beginners

Yes

Trading

Yes

Passive income

Yes

Buy and hold

Comparison of fees

Rating

4.5 – Low fees with additional rewards for using the native token.

3.9 – Reasonable fees with additional benefits for crypto banking.

Level

≈ 0,075%

0.05%

Brief explanation

Crypto.com offers a competitive and transparent fee structure that is designed to accommodate both novice and experienced traders. The platform charges a tiered fee system based on the trading volume over a 30-day period, encouraging active trading with lower fees for higher volumes. Maker fees start low and can decrease with increased trading activity, while taker fees remain competitive within the industry. Additionally, Crypto.com offers fee reductions for users who hold and use their native CRO token, providing an extra incentive to engage with the platform’s ecosystem. This fee system not only enhances trading efficiency but also ensures that traders can maximize their profits while minimizing costs.

PointPay’s commission structure is designed to be competitive and accessible for traders of all levels. The platform primarily operates on a flat fee model for trading, charging fees that are generally considered lower than the industry average. For instance, PointPay charges a trading fee of 0.05% for both makers and takers, which is appealing because it is below the typical rates found at many other exchanges. This low fee structure is particularly advantageous for active traders who perform frequent transactions, as it helps to keep trading costs down and maximize potential profits. Moreover, the absence of different fees for makers and takers simplifies the trading process, making it easier for beginners to understand and calculate their trading costs upfront without surprises.

Crypto.com

Security Methods: Crypto.com places a high emphasis on security, employing a multi-layered approach that includes cold storage for all cryptocurrencies, a dedicated security team, and the use of HSMs and multi-signature keys. This comprehensive security infrastructure minimizes the risk of hacks and unauthorized access, making it a secure choice for handling digital assets.
Possible Regulation: The platform is known for its strong compliance with global financial regulations. Crypto.com is registered with and regulated by leading financial authorities, which ensures that they adhere to strict rules and regulations, enhancing their credibility and reliability in the cryptocurrency market.
Reputation and Reviews: Crypto.com enjoys a positive reputation in the crypto community, evidenced by favorable reviews across multiple platforms. The platform is often praised for its broad range of services and the ease of use, which has helped it to build a loyal user base.
Trading Volume and Liquidity: The exchange is known for its high trading volume and liquidity, which ensures that users can execute trades quickly and at desired prices without significant price slippage. This makes it an attractive option for both casual traders and experienced investors.
Number of Users: With over 10 million users globally, Crypto.com’s large user base not only reflects its popularity but also contributes to its liquidity and network effect. A large and growing user base often indicates a trusted and well-utilized platform in the cryptocurrency world.

Pointpay

Regulation Compliance: PointPay operates under the cryptocurrency laws of the UK and Estonia, providing a regulated environment which enhances user trust and security.
Security Features: The platform employs robust security measures, including two-factor authentication and encrypted communication, to protect user data and funds.
Reputation and Reviews: Since its launch, PointPay has maintained a positive reputation in the cryptocurrency community, supported by favorable user reviews that often highlight its reliability and user-friendly interface.
Customer Service: PointPay offers comprehensive customer support with multiple channels including live chat, ensuring users can get assistance whenever needed.
Innovative Financial Products: The integration of various financial services such as a crypto bank, a multi-currency wallet, and options for crypto-backed loans provides users with a versatile and comprehensive trading and banking experience.

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Account Minimum

Get started with just $100.

And 1% fee on all cryptocurrency trades.

Direct link to the website

Product selection

Native token

Token CRO (Crypto.com Coin)

Earns

Yes

NFT marketplace

Yes

Cripto/debit card

Yes

Full name

Foris DAX Asia Pte Ltd

Point Pay Ltd.

Regulation

Regulated in Malta

Not regulated

Year founded

2016

2018

Founder

Kris Marszalek

Andrey Svyatov

Payment methods

Transfers

Yes

Mastercard

Yes

Wire transfer

Yes

Card

Yes

Comparative table

Crypto.com	FEATURES	Pointpay
Offers a low minimum trade amount, making it accessible for beginners and casual investors.	Minimum Trade	PointPay allows users to start trading with relatively low minimums, making it accessible for beginners.
Competitive fees with discounts available for higher volume trades and CRO token holders.	Trading and Transaction Fees	PointPay offers competitive trading fees which are lower than many other platforms, making it cost-effective for traders.
Supports a wide range of cryptocurrencies, catering to both popular and niche market interests.	Number of Cryptocurrencies	While PointPay supports popular cryptocurrencies, its range is narrower compared to larger exchanges. More variety could enhance trading opportunities.
Extensive range of trading pairs available, offering great flexibility in trading strategies.	Crypto-to-Crypto Trading Pairs	The platform provides several trading pairs, but the selection is less extensive than what is found on more established exchanges.
The website provides clear information, though it can be overwhelming for new users.	Website Transparency	PointPay maintains high transparency regarding fees, services, and operational procedures, which helps built trust among users.
Crypto.com excels with its extensive benefits and ease of use, making it one of the top choices for a crypto exchange card.	Credit/Debit Card	This absence could be a significant drawback for users who seek the convenience of directly spending their crypto holdings in a traditional manner, such as through point-of-sale transactions or online shopping using a card linked directly to their cryptocurrency accounts.
Provides secure storage options with offline cold storage and a proprietary hot wallet.	Storage Offering	PointPay offers secure storage solutions, including a multi-currency wallet that supports various cryptocurrencies.
Offers competitive staking options and rewards, enhancing investment returns for users.	Staking and Rewards	The platform offers staking options, but the benefits and yields are less competitive compared to leading platforms focused on staking.
Highly functional and user-friendly interfaces on both mobile and desktop platforms.	Mobile App and Desktop	PointPay provides both mobile and desktop applications that are user-friendly and feature-rich, though some users may find the mobile app lacks certain advanced features.
Customer support is available but response times can be slow and may affect user satisfaction.	Customer Service	PointPay has a responsive customer service team accessible through multiple channels, although response times can vary during peak times.
Flexible deposit and withdrawal policies with multiple methods available, but can improve on speed.	Deposit and Withdraw	Deposits and withdrawals are handled efficiently, but the options for fiat transactions are limited, which could be inconvenient for some users.

Key features

Analysis tools

Advanced charting, technical analysis tools

Basic charting tools

Mobile APP

Yes

Security

High 4,9/5

High 4,6/5

Additional features

Crypto debit card, staking, Crypto Earn program, Crypto.com Pay

Crypto banking, staking, PointPay token (PXP) rewards

Anonymity

Yes

Key points

Available cryptocurrencies

150+

50+

User-friendliness

Crypto.com is known for its user-friendly interface, making it an excellent choice for beginners. The platform is simple to navigate, and the process of buying and selling cryptocurrencies is straightforward.

PointPay features an intuitive and user-friendly interface that is easy to navigate, making it suitable for beginners. The platform focuses on providing a seamless trading experience.

Value for money

Offers excellent value for money with low trading fees, a wide range of financial products, and rewards for using its native token.

Delivers reasonable value for money with competitive fees and a user-friendly interface, though it may lack some advanced features.

Countries of operation

Global, including United States, Canada, United Kingdom, Australia, Germany

United States, Canada, United Kingdom, Australia, Singapore

Best for

Great for all types of investors, from beginners to advanced traders, due to its low fees, wide range of financial products, and rewards.

Best for traders seeking a user-friendly platform with competitive fees and a wide range of supported cryptocurrencies.

Base currencies available

USD, EUR, GBP, BTC, USDT, CRO

USD, BTC

Account

Trading

Crypto.com provides a comprehensive platform with a wide range of cryptocurrencies, competitive fees, and additional services like a debit card and staking. However, its interface can be complex for beginners.

PointPay provides a secure platform with a decent range of cryptocurrencies and competitive fees. It offers additional services like staking and loans but lacks advanced trading tools.

Deposit and withdrawal

Crypto.com offers a comprehensive range of deposit and withdrawal methods, including bank transfers, credit/debit cards, and cryptocurrencies. Withdrawals are processed efficiently, usually within a day, with minimal fees .

PointPay supports various deposit and withdrawal methods, including bank transfers and crypto. Withdrawals are processed efficiently, with low fees.

Account opening process

Crypto.com offers a user-friendly and seamless account opening process. Users need to provide personal information, complete KYC verification, and the process is typically completed within a day. It’s secure and efficient.

PointPay offers an easy and quick account registration process. Users need to provide personal details and verify their identity. The process is fully digital and typically takes less than a day to complete.

KYC required?

Yes

Customer Service

Crypto.com offers comprehensive customer support through email, live chat, and a help center. Support is available 24/7, and the response times are quick, ensuring users get timely assistance.

PointPay offers support through email and live chat. The response time is quick, but the support team is not available 24/7, which may be a drawback for some users.

Security

Crypto.com provides robust security with 2FA, encryption, and cold storage. It is regulated by several financial authorities, making it a highly secure platform for investors .

PointPay ensures security through 2FA, encryption, and cold storage. Despite its strong security measures, the platform is not regulated by top-tier financial authorities, which could be a concern for some investors.

Which of these exchanges is for you?

Alejandro Borja

At Threenvest, our comprehensive review of Crypto.com reveals a platform that is robust, versatile, and tailored to meet the needs of a diverse user base—from beginners making their first cryptocurrency purchase to seasoned traders engaging in complex trading strategies. Crypto.com stands out in the competitive landscape of cryptocurrency exchanges with its extensive range of services, including a wide array of cryptocurrencies, advanced trading features, and the innovative Crypto.com Visa Card, which bridges the gap between digital and traditional finance. This integration of crypto functionality into everyday financial activities sets it apart from many other platforms, offering users a practical way to use their crypto assets in the real world. However, while Crypto.com excels in offering a secure environment and a broad spectrum of financial products, it does have areas where improvement could enhance user experience. New users might find the platform’s interface and the plethora of features daunting, a common issue that could be mitigated with more tailored educational resources and a simplified user interface. Furthermore, the heavy reliance on its native CRO token to unlock the best trading fees and rewards might not appeal to everyone. In comparison to other major exchanges, Crypto.com provides a unique blend of features but could improve its accessibility and reduce its dependency on specific cryptocurrencies. At Threenvest, we recognize Crypto.com as a significant player in the crypto space, capable of delivering exceptional value to its users, yet we also acknowledge the importance of continuous improvement in user engagement and platform intuitiveness.

Xavier Tarrasó

As a cryptocurrency analyst who has extensively reviewed various platforms, I highly recommend PointPay for both newcomers and seasoned traders. Its all-in-one platform is especially beneficial for users looking to manage multiple crypto activities from a single account. The ease of use, combined with robust security measures and a regulated environment, makes PointPay a trustworthy choice. Whether you’re interested in trading, staking, or simply managing a diverse portfolio, PointPay offers a user-friendly and comprehensive solution that caters to all your cryptocurrency needs.

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How do we review crypto exchanges?

At Threenvest, we conduct a thorough review process to evaluate and rank the world’s leading crypto exchanges. Our goal is to offer an unbiased assessment, providing you with the information you need to make informed decisions on which ones best suit your needs. We strictly adhere to the guidelines of our editorial policy.

We collect data directly from exchanges through detailed questionnaires and conduct first-hand testing and observations during crypto exchange demonstrations. Questionnaire responses, combined with demonstrations and hands-on research from our experts, feed into our proprietary evaluation process that scores each provider’s performance on more than 15 factors. The end result produces star ratings ranging from poor (one star) to excellent (five stars).

For more details on the categories considered when rating brokers and our process, read our full methodology.

Risk Disclaimer

Investing in cryptocurrencies is very risky, you should only invest the money you are willing to lose. Also you should not expect to be protected if something goes wrong.

Neither Threenvest, nor the author, are recommending you to invest with this article.