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Crypto.com vs WhiteBIT

Compare rates, fees, access, and key features side by side.

Crypto.com

Crypto.com

Crypto.com offers several earning routes inside a broad trading and payments app, but the product menu requires careful reading. Crypto Earn, onchain ...

Score3.8
Visit SiteReview
VS
WhiteBIT

WhiteBIT

WhiteBIT Crypto Lending lets customers lend supported assets to the exchange through flexible or fixed plans. The exchange says these funds can suppor...

Score4.2
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General

Platform
Crypto.comlogo
WhiteBITlogo
Founded
Crypto.com2016
WhiteBIT2018
Headquarters
Crypto.comHong Kong
WhiteBITLithuania
Availability
Crypto.comWorldwide, all US states except NY
WhiteBITWorldwide

Fees & Financial

Bonus
Crypto.comEarn up to $100 of CRO
WhiteBIT
Token
Crypto.comCRO
WhiteBIT
Compounding
Crypto.comNo
WhiteBITNo
Payouts
Crypto.comWeekly
WhiteBIT
Fees
Crypto.comYes
WhiteBIT
Lockup
Crypto.comNone (flexible), 1 month, 3 months
WhiteBIT10–1080 days
Maker Fee
Crypto.com
WhiteBIT0.1
Taker Fee
Crypto.com
WhiteBIT0.1

Cryptocurrency Rates

BTC Rate
Crypto.com0.2%
WhiteBIT
BTC Max
Crypto.com
WhiteBIT
ETH Rate
Crypto.com0.2%
WhiteBIT1.47%
ETH Max
Crypto.com
WhiteBIT
Stablecoin Rate
Crypto.com0.5%
WhiteBIT

Crypto.com

Review

Pros

  • Flexible, one-month, and three-month Crypto Earn terms are available for multiple assets.
  • Earn Plus provides a separate stablecoin option without the ordinary tiered-reward quota.
  • Rewards generally accrue daily and are distributed weekly.

Cons

  • The best rates may require a higher Level Up tier and a 365-day CRO stake or lockup.
  • Rates vary by asset, term, deposit tier, account level, and jurisdiction, making headline rates difficult to compare.
  • Fixed-term funds are unavailable until maturity, and promotional Flash Rewards are not offered to U.S. residents.

WhiteBIT

Review

Pros

  • Offers multiple lending terms across major cryptocurrencies and stablecoins.
  • Plan screens show the rate, term, minimum, maximum, and estimated income.
  • Some long-term plans preserve partial accrued interest after completed checkpoints.

Cons

  • The highest rates can require commitments of 720 or 1,080 days.
  • Ordinary early closure may forfeit all accumulated income.
  • Funds are lent within the exchange, creating borrower and platform-liquidity risk.