Crypto Invest App vs Exchange – What’s The Difference? App vs Exchange

Last updated on June 8th, 2022

If you’ve come across the ecosystem, you may have noticed that there are 2 different platforms: the App and the Exchange.

So how are they different and which one should you use?

Here’s what you need to know.

The difference between App and Exchange

The App helps to integrate your daily life with crypto, by allowing you to buy crypto from fiat currencies, as well as using the Visa Card. In contrast, the Exchange only allows you to trade between cryptocurrencies, and does not have any fiat support.

Here is an in-depth comparison between these 2 platforms:


The App is only available on mobile. Mobile App

Meanwhile, the Exchange has both an app, Exchange App

as well as a desktop platform. Exchange Platform 1

You can choose to use the Exchange on your mobile browser too. Exchange On Mobile Browser

Both the App and Exchange are 2 separate platforms. As such, you’ll need to create 2 separate accounts for both of them.

After you’ve created the 2 accounts, you will then need to link them together. As such, you should try to use the same email address for both accounts!

Buying crypto

The app allows you to buy crypto via 3 methods:

  1. Credit card
  2. Crypto wallet
  3. Fiat wallet

You can see all of these options whenever you want to buy any crypto on the App. Buy Crypto

Both the credit card and fiat wallet options allow you to buy crypto from a fiat currency.

Meanwhile, the crypto wallet allows you to swap from one crypto to another.

The fiat wallet allows you to buy crypto from these fiat currencies:

  1. AUD
  2. CAD
  3. EUR
  4. GBP
  5. USD

If you are from Singapore, you are also able to buy 8 currencies directly from SGD through Xfers, including BTC and BNB. Exchange only allows you to trade between cryptocurrencies

The App has fiat support, where you can buy crypto from fiat.

However, the Exchange is a crypto-only exchange. As such, you are unable to use fiat currencies on this platform.

Instead, you can only trade between cryptocurrencies on the platform.

The Exchange has 4 main trading pairs that you can use to buy different currencies:

  1. CRO
  2. BTC
  3. USDT
  4. USDC

You can buy different currencies from each of these 4 trading pairs. Exchange Trading Pairs New

To start trading on the Exchange, you’ll need to deposit your crypto from another platform first.

It is possible to transfer your crypto from the App to the Exchange. The best part is that no withdrawal fees will be charged for this withdrawal!

You can deposit USD into the Exchange and receive USDC

If you want to use fiat in the Exchange, it is possible to do so by transferring USD to Exchange USD USDC Deposit

Although does not charge any fees for this deposit, you still may incur some fees by your bank.

Method of buying crypto

When you are buying crypto on the App, you are buying it at’s prevailing market rate. App Buy ENJ Fiat Wallet

This may be higher or lower compared to the prevailing market rate.

As such, you don’t have much control over the rate that you’re buying your crypto.

In contrast, you are trading with other traders on the Exchange platform. Exchange Buy ENJ

You are able to make 4 different types of orders:

  1. Limit
  2. Market
  3. Stop Limit
  4. Stop Loss

As such, you have greater control over the rate at which you’re buying your crypto!

However, this also depends if someone is willing to buy or sell your crypto at that price.

Number of currencies

The App has many different currencies on its platform. Number Of Currencies

You can choose to find a certain currency using the magnifying glass on top.

The Exchange has ferwer currencies compared to the App

Meanwhile, the Exchange has fewer currencies that are supported on this platform.

If you want to have access to the highest number of currencies, you may want to use USDT to trade. Exchange USDT Trading Pairs

Among the 4 major trading pairs, USDT has more trading pairs compared to USDC, CRO, BTC. As such, USDT would be the most versatile currency!

New currencies are constantly being added

From time to time, may add new currencies on both of their platforms.

You can check out the blog or the Telegram channel to keep updated with the new listings.


Here are some of the fees that you’ll be charged on either platform:

#1 Transaction fees

The App does not charge you any fees when you’re:

  1. Buying crypto from fiat
  2. Exchanging one crypto for another

You can view the latest fees in the app, under Fees and Limits.

However, you may lose some of your money through the spread when trading on the app.

Even though declares that you are able to buy crypto at true cost, the spreads have been rather high.

If you intend to trade a large amount of crypto, I would suggest that you use the Exchange instead. Exchange charges up to 0.4% in trading fees

When you trade on the Exchange, you will be charged up to 0.4% for each trade that you make. Exchange Updated Fees

This is more expensive compared to other exchanges, such as:

  1. Binance
  2. AAX
  3. Gemini Active Trader
  4. HuobiKraken

#2 Withdrawal fees

The withdrawal fees are the same for both the app, App Withdrawal Fees

and the Exchange. Exchange Withdrawal Fees

For example, the withdrawal fee for ADA is 2 ADA on both platforms.

Minimum amounts

The minimum amounts that you need to trade on both the App and Exchange depend on the currency.

On the app, you are able to buy a minimum of $1 USD of crypto.

For example, you’d only need to buy a minimum of 3.48 CRO on the app. CRO Minimum Trade

This makes buying crypto on the app extremely accessible!

For the Exchange, they did not state the minimum that you need to make for each trade.

However, it depends on the currency that you want to buy.

For example, you can only buy VET in whole numbers, Exchange VET Minimum Amount

while you can buy DOT up to 3 decimal places. Exchange DOT Minimum Amount

As such, it really depends on the currency that you want to buy. You can check the minimum limit of each currency before making a trade.

This will help you to see the smallest amount that you’ll need to pay!

Rewards for staking CRO

You are given the option to stake CRO on both platforms.

Staking your CRO means that you’ll lock up your CRO for at least 6 months.

You can stake your CRO on the App, App Stake CRO

as well as the Exchange. Exchange Stake

Here are some of the benefits that you’ll receive when staking on either platform:

Purchase rebates
(e.g. Spotify, Netflix)
Discounted trading fees
Card cashback on
Visa transactions
10% APR on CRO
paid out daily
Better APR in Crypto
Credit and Crypto Earn
Syndicate allocation Pay benefits

Depending on the type of benefits that you want to receive, you can choose to stake your CRO on either platform.

You can find out more about staking on the App and Exchange on their website.

Earn features’s Earn feature is only available on the App.

Crypto Earn Interest Rate With 25000 CRO Staked

You are able to earn interest on a wide variety of crypto. The amount of interest depends on a few factors, such as:

  1. The currency that you’ve selected
  2. The length of term that you select (flexible, 1 month or 3 months)
  3. The type of Visa Card that you own (Midnight Blue to Obsidian)

The rates are less favourable compared to other lending platforms like Celsius or BlockFi. Moreover, your crypto is locked up for a certain period of time!

Nevertheless, allows you to earn interest on a wider variety of currencies.’s Exchange offers soft staking

While you do not have the Earn feature in the Exchange, you are able to soft stake some of your coins. Exchange Soft Staking

Soft staking allows you to earn rewards on your crypto, even when you place these crypto on a pending order.

This allows you to earn some daily rewards on the crypto that you own, even if you are an active trader.

Since the terms are really flexible, the rewards that you can receive are considerably lower compared to the Earn feature. Exchange Soft Staking Rates

The minimum amounts are rather high too! As such, this will only benefit you if you are trading large volumes of crypto each time.


The Supercharger is available both on the App, Supercharger DOGE Rewards

as well as the Exchange. Exchange Supercharger

You are able to use either the App or the Exchange to deposit your CRO and mine DeFi tokens.

The rewards will be distributed to your App or Exchange platform. This depends on which platform you use to deposit your CRO into the Supercharger.

Visa Card

When you sign up for the App, you will be issued a Visa Card.

MCO Visa Card

You can use this to make payments and receive CRO as cashback!

However, you are not able to integrate the Visa card with the Exchange platform!


Here is a summary between the App and Exchange:

PlatformMobile app onlyWeb and mobile app
Buying cryptoBuying use fiat or
other cryptocurrencies
Only using other
Method of
Instant BuyTrading
Number of currencies100+Depends on
trading pair
Transaction feeFree (But may lose
out due to spread)
Up to 0.4% trading fee
Minimum amountsUSD $1Depends
on currency
Staking CRO
Purchase rebates
Card cashback
Discounted trading fees
Syndicate allocation
Earn featureCrypto EarnSoft stake
Visa cardAble to integrateCannot integrate

So which platform should you choose?

Use the App if you are a beginner to crypto’s vision is to make cryptocurrencies accessible for the masses. Their app has really helped that to become a reality.

The user interface is really sleek, and buying crypto is really easy since you can buy crypto for just USD $1!

Even if you’re a beginner at crypto, you are able to gain some exposure to it via the app.

Once you’ve bought a large amount of crypto, you can start to earn some interest on Crypto Earn as well!

Use Exchange if you’re a serious trader

If you are looking to trade large volumes of crypto, the Exchange may be the better platform for you.

This is because you can set limit orders, where you can get an exchange rate that is lower than the prevailing market rate!

The trading fees that you pay are up to 0.40%, which is much lower than other platforms.

The number of trading pairs on Exchange cannot beat Binance or Huobi. However, you are still able to trade a decent amount of currencies!

You can use both platforms together

It is possible to use both platforms together as well!

I’m personally using the App to buy CRO from fiat. Buy Crypto From Fiat Wallet

After that, I would transfer my CRO to the Exchange to make trades. App Transfer To Exchange

This is because I believe that I can get a better rate compared to buying it directly on the App.

After that, I’ll transfer my crypto back to the App, and use the Crypto Earn function to earn interest!



The ecosystem has made crypto investing very accessible.

Depending on your level of expertise and your investing goals, the App or the Exchange may be more suitable for you.

However, it is also possible for you to use both platforms together!

If you’re looking to generate tax reports for your crypto trades, you can consider using Koinly, which allows you to track your transactions from 350+ exchanges and 50+ crypto wallets.

👉🏻 Referral Deals

If you are interested in signing up for any of the products mentioned above, you can check them out below! Visa Card Referral (Get $25 USD worth of CRO)

If you are interested in signing up for the Visa Card, you can use my referral link. We will both receive $25 USD worth of CRO in our Crypto Wallet. Referral

Here’s what you’ll need to do:

  1. Sign up for a account
  2. Enter my referral code: ‘x2kfzusxq6
  3. Sign up for at least a Ruby Steel Card

You can read more about the referral program on’s website. Exchange Referral (Earn $10 USD- $50 USD in CRO)

If you are interested in creating a Exchange account, you can use my referral link and enter the code “x2kfzusxq6“.

Depending on the amount of CRO you stake on the Exchange, you are able to earn between USD $10 to USD $50! Exchange Referral

Here are the amounts that you’ll need to stake to receive the bonuses:

Amount of
CRO Staked
Referral Bonus
You Receive
1,000 – 4,999 CRO$10
≥ 5,000 CRO$50

If you’ve already signed up for the app, you can still sign up for this bonus! This is because the App and Exchange are 2 different platforms.

You can read more about this referral program on’s website.

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