以下內容為本人經過一天搜尋網路片段資料腦補出來的懶人包,若有錯誤,歡迎糾正。
警告:加密貨幣波動極大,如果沒有血本無歸的打算,請不要輕易嘗試。
這是啥?
由 Crypto.com 發行的 VISA 簽帳金融卡 (CRO VISA Debit Card),可將加密貨幣用在實體店家進行刷卡交易。
名詞解釋
加密貨幣:使用區塊鍊技術紀錄的虛擬貨幣,例如最常聽到的比特幣。
法幣:法定貨幣,就是我們上市場買東西使用的錢,例如台幣、美金、新加坡幣。
與其說它是加密貨幣簽帳卡,應該說它還是一般法幣簽帳卡。它無法直接將加密貨幣存入簽帳卡進行消費,而是 Crypto.com 提供簡易的方法,一個步驟將加密貨幣轉換成新加坡幣後存入簽帳卡,所以實際與店家交易消費是使用新加坡幣。
台灣申請是由新加坡的銀行發行,即使 App 操作介面可以用台幣顯示,但交易使用的法幣都是新加坡幣 (簡稱 SGD)。
Crypto.com 是個加密貨幣交易平台,可以做各種加密貨幣的買賣,同時他本身也發行自己的加密貨幣 CRO 幣。
有什麼好處?
- 依卡種不同有不同比例的刷卡回饋 (回饋 CRO 幣而非現金),且跨國交易免手續費。
- 紅卡 (Ruby Steal) 等級以上刷卡買 Spotify 100% 回饋 (回饋的是 CRO),但帳號必須切換至新加坡。
- 紅卡等級以上都是金屬卡,很酷捏!
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
缺點
- 這不是信用卡是 Debit Card,必須要先儲值才能刷。
- 原本就有加密貨幣的人,必須將加密貨幣轉至 crypto.com,才能儲值到卡裡。可用來儲值的加密貨幣只有官網公告的 21 種,甚至連他自己發行的 CRO 幣都不行。不支援儲值的幣就必須多一道手續,轉換成支援的幣才能儲值。
- 對於原本沒有加密貨幣的人,可以用其他信用卡刷卡儲值,但中間也會有手續費。
- 儲值到簽帳卡的法幣只能消費,不能換回加密貨幣或提領 (網路上看到的資料,不確定理解是否正確)。
- 以一般人最能承受風紅卡來說,必須質押等值 400 美元的 CRO 至少六個月,大約是台幣 12000 元。六個月後如果取消質押,優惠就會變少。而持有 CRO 或其他加密貨幣本身就有其風險。
* 可用來儲值的加密貨幣種類
風險
-
質押的 CRO 雖然可以使用提款機提領回台幣,但是經過兩層換匯 (CRO 轉新加坡幣,新加坡幣轉台幣),當 CRO 或新加坡幣貶值,都會造成匯損。特別是加密貨幣的一日漲跌就可能很大,玩這種東西要量力而為。
新加坡對台幣匯率十年走勢圖
CRO 對新加坡幣
-
Crypto.com 可能改變 CRO 使用規則。 例如 Crypto.com 曾經發行另一個貨幣 MCO,後來強制轉換成 CRO。
如何取得質押所需的 CRO?
如果原先沒有在使用虛擬貨幣的人,可在 App 中使用其他信用卡刷卡支付購買 CRO。
注意:這個方法一定不是最划算最省錢的方法,除了台幣轉換新加坡幣再轉換 CRO 的匯率差外,還有信用卡海外刷卡手續費 + Crypto.com 的平台手續費。
目前新註冊 Crypto.com App 的用戶,30 天內以信用卡/簽帳卡支付免手續費 (信用卡海外刷卡手續費仍會收取)。因此可以在第一次註冊時,購買足夠的 CRO 用來質押。
紅卡申請步驟
申請 CRO 簽帳卡紅卡包含四大步驟:
- 領取獎勵 (可跳過)
- 下載 App 註冊平台帳號
- 購買 CRO ( 最簡單但不是最便宜的方法 )
- 申請簽帳卡
申請藍卡我沒實際操作過,理論上就是省略購買 CRO 和質押的動作。
領取獎勵
目前 Crypto.com 提供獎勵,只要使用邀請連結登記 E-mail,並完成平台帳號註冊與 CRO 質押,邀請與被邀請人都能獲得等值 25 美元的 CRO。
開啟我的 邀請連結 會看到如下畫面,輸入你的 E-mail ,勾選我不是機器人,再點選 Submit 即可。若是邀請碼沒有自動帶入,可以手動輸入我的邀請碼 jc5dzy9276
。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
注意:此步驟完成後,還必須完成後面註冊和質押步驟,才能獲得獎勵。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
下載 App 註冊平台帳號
-
手機掃描前步驟畫面上 QR code 下載 Crypto.com 的 App。下圖是 Apple App Store 看到的畫面。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
-
下載完成後開啟 App,點選 Sign up。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
-
輸入前步驟登記的 E-mail,點選 Continue。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
-
用手機到 E-mail 信箱收認證信,點選信件中的 LOG IN 圖示,連結會自動跳回到 App 進行下一個步驟。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
-
點選右上角 Skip 跳過信用卡簡介,或是左下角箭頭瀏覽信用卡回饋介紹後,點選打勾。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
-
勾選同意條款,點選 Continue。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
-
輸入手機號碼,點選 Send Verification Code。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
-
等收到認證簡訊後,將認證碼輸入手機,完成手機認證。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
-
勾選是否同意接收訊息,點選 Continue 繼續。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
-
告知需要提供姓名、證件照片、自拍照作為認證之用,點選 Continue 繼續。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
-
輸入護照上英文全名。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
-
確認 App 正確選擇國家為台灣 (辱華了?),選擇護照認證。(網友說只有護照認證會通過)
2023.09.09 @jhih-yu-lin 回報實測經驗,直接使用身分證認證失敗,但在用 email 詢問客服後,再次用身分證認證就成功了。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
-
將護照有英文姓名那個頁面對準 App 框線後,App 會自動擷取照片。確認資料都有拍清楚後,點選 Continue 繼續。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
-
提示該如何自拍,點選 Continue 繼續。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
-
將臉對著相機前鏡頭,確認人臉都在 App 框線內,App 偵測到後自動拍照。畫面上人臉看起來變成漫畫風格是正常的。如果 App 沒有自動拍照,稍微左右移動直到拍照完成。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
-
完成後畫面出現 Upload successful,並提示你可以去泡杯茶,等待資料確認無誤後會再通知你。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
-
我自己是半小時內就驗證通過了。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
-
設定一組六位數字密碼,點選任意位置,再輸入一次密碼確認,完成密碼設定。這組密碼是之後每次進入 App 和交易都需要輸入的,一定要記好。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
-
選擇 New Taiwan Dollar (TWD) 作為 App 交易單位。
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
Image Not Showing
Possible Reasons
- The image was uploaded to a note which you don't have access to
- The note which the image was originally uploaded to has been deleted
Learn More →
-
點選左上角齒輪,可以在 Language 選單切換成中文介面。


購買 CRO
這裡我使用的方式是在 App 中使用我其他信用卡購買,是最簡單,但一定不是最便宜的方法,只適合少量購買體驗。只接受 VISA 信用卡,不接受 JCB,記得找一張海外回饋最高的 VISA 信用卡,才能抵銷海外刷卡手續費啊。
紅卡質押需要 400 美元,大約 12000 台幣,我自己是多抓了一點購買 700 CRO,約 15000 台幣。
-
回到 App 首頁,點選交易 > 買入,選取要購買的加密貨幣 Crypto.com Coin (CRO)。


-
因為之前沒有輸入過信用卡資料,這裡先點選添加信用卡或扣款卡。目前只接受 VISA,無法加入 JCB。平台會刷 0.01 SGD 驗證,但不會扣款。完成後回到購買頁面,輸入想要購買的 CRO 數量。

-
畫面提示新申請帳戶,30 天內免平台交易手續費。

-
確認金額正確後,點確定。

-
購買成功。

申請簽帳卡
-
回到首頁,點右下角付款卡,滑動上方選則紅色的 Ruby Steel,確定畫面中間選擇有質押 CRO,再點選下方的選擇 Ruby Steel。

-
選擇質押 CRO 的來源,因為我們剛才已經先買好存在錢包裡了,直接選最下方的錢包 > Crypto.com Coin (後方顯示的是你的現有數量,下方按鈕才是質押的數量),點選質押 460 CRO 180 日。

-
點確定執行質押。

-
質押成功。

-
提示申請卡需要住址和地址證明。

-
告知各項條款,勾選接受後按確定繼續。

-
輸入你的住址,網友說填英文地址審核會比較快。我實際經驗,填英文地址,附上中文的信用卡帳單證明,第五天通過地址認證,第六天顯示已發卡。 ( 這個步驟忘記截圖了 )
郵局中文地址英譯
-
提示你準備好有日期和地址的帳單。

-
拍照注意帳單的四個角都要攤開,完整在 App 的框線中,確認清晰後點選 Continue 繼續。

-
看到下面畫面代表所有步驟都已完成,就等待資料審核完成。


時間歷程
- 2021/11/28 送出申請。
- 2021/12/03 app 顯示發卡狀態為已發出。
- 2021/12/24 app 顯示發卡狀態為已寄出,且多了 DHL 追蹤編號。同時也收到 email 通知。
- 2021/12/26 DHL 顯示郵件在從新加坡送往香港的途中。
- 2021/12/28 收到卡片
如何使用
收到卡後,卡內必須要有錢才能刷,因此第一步驟就是學會怎麼儲值。
首先打開 App 進入帳戶頁面會看到有多個帳戶,與我們比較相關的是「加密貨幣錢包」和「Crypto.com Visa 卡」。這有點像我們去一般銀行可以同時開台幣帳戶和外幣帳戶,兩者是獨立的帳戶,但可以互相轉帳。
帳戶的功能和帳戶間的關係可以參考下圖,加密貨幣錢包是用來存各種不同的加密貨幣,概念類似外幣帳戶可以存美金、日圓、歐元等多種多種外幣。而 Crypto.com Visa 卡這個帳戶用來存入刷卡金,注意存入卡中的幣別是新加坡幣 (SGD)。

從上圖可以看出儲值刷卡金的方法有兩種:
- 刷其他銀行發行的信用卡儲值 (圖右下角向上紅色箭頭)。注意這對台灣來說是跨國交易,會有跨國刷卡手續費,以及 crypto.com 收取 1% 交易手續費。
- 從加密貨幣錢包儲值 (圖正中間向右紅色箭頭)。這個方式沒有儲值手續費,這也是這張 Visa 卡設計的原始目的,讓加密貨幣可以方便用在真實環境消費。但目前只支援使用 20 多種加密貨幣儲值,其中並不包含 CRO 幣。後面將解說如何使用迂迴手法,將 CRO 幣換成 USDC 幣後儲值到卡裡。
CRO 幣兌換 USDC 幣
-
點選帳戶 > 加密貨幣錢包

-
點選買入

-
點選我們要買入的幣別 USDC

-
選擇以加密貨幣錢包中的 CRO 幣 (Crypto.com Coin) 購買,輸入要兌換的 USDC 數目,點選買入。 USDC 是穩定幣,與美金約是 1:1。

-
進入確認畫面,在時間倒數結束前點選確定,完成兌換。

以 USDC 儲值 Visa Card
-
點選帳戶 > Crypto.com Visa 卡

-
點擊儲值

-
選擇加密貨幣錢包做為儲值方式,以 USD Coin (USDC) 支付,輸入要儲值的金額。

-
點選儲值,完成 Visa 卡儲值,現在就可以上街去刷卡了。

參考資料
名詞
- Deposit 存入
- Withdraw 提領
- Stake 質押