Difference Between Crypto.com MCO and CRO

Crypto.com is a decentralized payment platform that aims to empower humans and increase crypto transitions. It is a platform that overcomes blockchain usability and accessibility challenges.


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They developed an easy-to-use Crypto.com application to buy, exchange, and manage cryptocurrencies and a VISA card to use the cryptocurrencies everywhere. The Platform has two tokens, MCO and CRO, used in the Crypto.com applications and services.

Crypto.com MCO vs CRO 

The difference between Crypto.com MCO and CRO is that the MCO token is used for staking in the crypto.com mobile application to earn rewards, to make transactions using the Crypto.com MCO Visa cards, and get fiat loans without selling tokens under lower interest rates. On the other hand, CRO token is used in the crypto.com Chain network to settle payments between the users and merchants, both in online and offline mode.

Crypto.com MCO vs CRO

Crypto.com allows users to earn interest rates on cryptocurrencies. With the help of MCO tokens, users can get higher annual interest rates up to 18% p.a and gain airdrops every month. . Customers can get rewards for staking MCO tokens like 5% p.a for 500 and 8% p.a on above 5000.  

The other token of crypto.com is CRO used to benefit the merchants by reducing the transactional fees. It helps users and merchants to pay and receive crypto for goods and services without any fiat currencies.

The users in the crypto.com chain can use the CRO tokens to block transaction fees, get more CRO tokens as rewards for making transactions on the network.

Comparison Table

Parameters of ComparisonCrypto.com MCOCrypto.com CRO
Launched on20172018
DefinitionMCO tokens are used to stake to earn rewards and get loans with lower interest rates on the crpto.com application.CRO tokens are used as an intermediary token to make transactions between the users and merchants easier without fiat currency
UsageUse MCO tokens to upgrade visa cards, get discounts on crypto investment and credit earnings.Use CRO tokens to remove transactional fees and get rewards for processing and transacting on the crypto.com chain.
Lock-up of tokensSix monthsTwelve months
AirdropsStake MCO tokens to get Ad-hoc airdrops and CRO airdrops.CRO tokens are rewarded as airdrops to the customers who stake a large amount of MCO tokens. 

What is Crypto.com MCO?

Crypto.com has two tokens that are used for different functionalities. The MCO token allows the end-users to earn higher rewards by staking the token with lower interest rates. Ethereum ERC-20 standard is used to create it.

It was available on the site since 2017 and got $26.7 million as Initial Coin Offering out of which 10% was taken by the company, 25% is distributed to the founders, 30% constrain as reserve tokens, and 30% was sold in the crowd sale.

Using MCO tokens, customers can purchase a Metal or platinum MCO visa card. On every use of an MCO visa card, they get 5% cashback. Using tokens, they can upgrade the card.

The first 999 customers who stake MCO tokens get a Limited Edition MCO Obsidian Black Card. The cardholders get many benefits like some % back on staking tokens, airport lounge facilities, limited withdrawals, and other rewards.

Crypto.com has made an investment in cryptocurrencies easier and effective. With the MCO tokens, a user can get a 50% discount on investment fees on crypto.com.

Using the Crypto.com application, a user can get credit without selling their cryptocurrencies through loans. The gained credits can be utilized using the MCO Visa Card. If the user stakes its MCO tokens, they will get a 20% discount on credit fees.

On Crypto.com, users can earn interest in cryptocurrencies. Using MCO tokens, users can get the best interest rates on cryptocurrencies. They can get up to 18% p.a as the annual interest rate by staking MCO tokens.

The customers with MCO tokens get an ad-hoc airdrop amount on the selected tokens depending on the number of tokens staked in the application. They can also get instant loans by staking MCO tokens. 

What is Crypto.com CRO?

Crypto.com aims to ease the exchange of cryptocurrencies among crypto users and merchants securely and cost-effectively. The Crypto.com Chain (CRO) is a token issued by the CRO Protocol Labs.

It is a decentralized platform where customers accept cryptocurrencies for goods and services without any additional merchant fees. The crypto.com mobile application has a “crypto.com Pay button to allow merchants to accept crypto payments and give discounts to customers.

The crypto.com application works globally, and the settlement between the merchant and users will be done offline. Customers can use cryptocurrencies to pay for goods both offline and online without using any fiat currency.

They also get some % cashback on using the crypto.com chain. The crypto customer acquirers get fees on doing transactions. Merchants get access to high-power customers; they can reduce transactional costs and provide discounts to customers to attract them.

CRO token is the native Crypto.com chain token used to make cross-asset settlements among the customers and merchants without any intermediary. The CRO airdrop is given to MCO holders, which are locked for twelve months and then released.

Main Differences Between Crypto.com MCO and CRO

  1. Crypto.com MCO token was started in 2017 to support cryptocurrency transactions globally using MCO Visa cards. CRO token was started in 2018 to assist cryptocurrency transactions between merchants and customers for purchasing and selling goods.
  2. MCO token was announced by Monaco Company that is rebranded as Crypto.com, and CRO token was issued by CRO Protocol Lab. 
  3.  MCO tokens have to be locked up for six months, and CRO tokens for twelve months in the wallets to get access to it.
  4. MCO token users can get airdrops, but CRO tokens are paid as airdrops to the MCO token holders every month.
  5. MCO tokens are used to earn rewards, the highest interest rates on cryptocurrencies, and get instant loans. CRO tokens are used to lower transactional fees and obtain more tokens as rewards for processing the transactions.
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