Pros
Debit Card Rewards: Offers up to 5% cashback on purchases through metal Visa cards with Netflix/Spotify rebates
Earn Program Flexibility: Provides up to 14.5% APY on crypto deposits with flexible and fixed terms
Security Infrastructure: Multi-factor authentication, cold storage, and $750M insurance coverage for institutional custody
Cons
Staking Requirements: Higher rewards tiers require significant CRO token investments and long lock-up periods
Spread Markup: Hidden fees in spread can reach 1% on crypto purchases through the app
Withdrawal Limitations: Minimum withdrawal amounts are relatively high compared to competitors