Why Crypto.com Tax Reporting Is More Involved Than It Looks
Multiple platforms, one brand
Crypto.com is not one product - it is a collection of separate platforms that share a brand. The App (Crypto Wallet, Cash Wallet, and Card history), the separate Exchange, and the DeFi Wallet each have their own export path and their own transaction format. Users who assume one CSV covers the whole Crypto.com ecosystem regularly end up with missing basis, unreported income, and incorrect taxable totals. Five things that add complexity to a Crypto.com tax year:
- The App CSV covers Crypto Wallet activity only - it does not include Cash Wallet, Card history, or the separate Exchange
- Card top-ups with appreciated crypto are typically taxable disposal events in most jurisdictions, even though they feel like a payment rather than a trade
- CRO staking rewards, Earn interest, and Supercharger distributions usually need income treatment on receipt before the later disposal calculation
- Cashback treatment varies by jurisdiction and specific program - not all cashback is automatically non-taxable
- Each App CSV report covers up to three years, so an export covering 2023-2025 may look complete while still missing earlier history
Crypto.com does send tax forms to US users
For eligible US customers, Crypto.com says it may issue Form 1099-MISC for certain reward income (staking rewards, bonuses, referrals), Form 1099-B for certain contracts, and Form 1099-DA for certain reportable digital asset disposals. Those forms are useful checkpoints but are not a full lot-by-lot gain/loss calculation. The raw App CSV is still required for complete trade-level reporting.
How to Export Your Crypto.com Transaction History
The App CSV - what it covers and what it does not
The Crypto.com App CSV (Crypto Wallet export) covers spot buys, sells, swaps, Earn interest, CRO staking rewards, Supercharger distributions, card top-up crypto movements, and cashback rows in a single file. Each report can cover up to three years. To export:
- Open Accounts in the Crypto.com app.
- Tap the History icon, then tap Export.
- Select Crypto Wallet, choose the full date range you need, and tap Export to CSV.
- Download the finished report.
This page is built around the App CSV. If you also used the separate Exchange or the DeFi Wallet, export those records too - they are not included in the App CSV.
Cash Wallet, Card, and Exchange exports
The Crypto.com Cash Wallet (fiat movements), Card history (purchases and cashback), and the Crypto.com Exchange (a separate trading platform with its own order book) each have their own export paths outside the App CSV flow. If your year included significant activity in any of those products, keep those exports as additional records to reconcile alongside the App CSV output.
Crypto.com Products and Their Tax Treatment
Spot trades and swaps in the App
Buying crypto with fiat is usually not the taxable moment. Selling, swapping one token for another, and using any crypto for a payment are typically taxable disposal events in all seven countries DYOR.tax supports. The cost basis of each lot, holding period, and sale proceeds determine the gain or loss on each trade.
Earn interest, CRO staking, and Supercharger rewards
Earn interest credits, CRO staking distributions, and Supercharger rewards typically need income treatment when received - the fair market value at receipt is usually the taxable amount, and that value sets the cost basis for any later disposal. A staking reward received in December is a December income event even if you do not sell the tokens until next year. Keep those rows visible rather than filtering them before the upload.
Card top-ups and cashback
Using appreciated crypto to top up a Crypto.com Visa card is typically treated as a disposal in most jurisdictions - you are exchanging crypto with a cost basis for fiat spending power, which can trigger a gain or loss just like a sale. Cashback is more nuanced: pure fiat cashback is typically non-taxable, but crypto cashback received as CRO or another token may need income treatment depending on jurisdiction and the specific program. Keep those rows in the raw export rather than filtering them before uploading.
How DYOR.tax Processes Your Crypto.com CSV
What's in the report
DYOR.tax processes the Crypto.com App Crypto Wallet CSV, reconstructs trades, separates reward and income rows from disposals, and tracks cost basis lot by lot. Cost basis method by country: FIFO, LIFO, or HIFO for US filers; Section 104 pooling for UK filers (same-day and 30-day matching included); ACB for Canadian filers; FIFO for Australian, New Zealand, Indian, and South African filers.
Supported countries
DYOR.tax supports seven countries for Crypto.com tax reports: United States, United Kingdom, Canada, Australia, New Zealand, India, and South Africa. Select the country in the calculator before generating the report.
Also available
If you used other exchanges alongside Crypto.com, the Coinbase tax calculator, Binance tax calculator, and OKX tax calculator follow the same CSV-upload flow.