Cropty

Custodial multi-chain wallet with free peer-to-peer transfers, crypto loans, and 9 supported blockchains

Wallet No KYC Founded 2022 Oct 21

Visit cropty.io

3.7/ 5

Our score

Good

Be the first to review

Custody Custodial

Chains BitcoinEthereumBNB ChainTON+5

Platforms iOSAndroidChrome

Open source No

In-app swaps Yes

What is Cropty?

Cropty is a multi-chain custodial cryptocurrency wallet and financial management app designed to handle everyday payments, crypto-backed loans, and interest-bearing deposits across nine primary networks. Available on iOS, Android, web browsers, a Chrome extension, and a Telegram mini app, the platform reports serving over 1 million users.

Company background and architecture

Founded in 2022, Cropty operates with an anonymous core team. Unlike non-custodial software wallets where individuals store private keys or seed phrases on their local devices, Cropty manages private keys on behalf of users and maintains the majority of assets in cold storage. Account recovery functions through an email address or a linked Telegram account rather than recovery seed phrases. This design avoids local key exposure but requires trust in a centralized custodian.

Supported networks and fee structures

Cropty supports nine blockchains: Bitcoin, Ethereum, TRON, Polygon PoS, Solana, XRP Ledger, The Open Network, BNB Chain, and Avalanche C-chain. Transactions between Cropty users via user tags (@CroptyTag), phone numbers, or email addresses are free of charge and execute off-chain instantly. For external blockchain withdrawals, users pay a fixed network commission rather than a variable percentage. Transfers also allow users to pay transaction fees directly with the asset being sent or in USDT, which removes the requirement to hold native network gas tokens like ETH or SOL. Users can also purchase prepaid Cropty Energy Units to cover transaction fees at discounts up to 33%.

Integrated lending and earning services

Beyond basic storage and transfers, Cropty provides integrated financial services including collateralized crypto loans and yield deposits. Users can borrow stablecoins or fiat currency without liquidating their crypto assets, using flexible terms without rehypothecation. The Cropty Earn feature supports staking rewards on cryptocurrencies and stablecoins through fixed or flexible deposit rates. Additional utilities include zero-fee donation tools and built-in account inheritance features through Crypto Legacy, which transfers assets to an assigned heir if an account is inactive for a set duration.

Security certifications and regulatory standing

Cropty is available globally across web and mobile platforms and offers customer support across 23 languages. Basic wallet features and peer-to-peer transfers do not require identity verification (KYC). The service lists security certifications including ISO/IEC 27001, 27017, 27018, 27701, 22301, 20000-1, 9001, and CSA STAR v4.0. Because Cropty is custodial, users face counterparty risk and do not possess their private keys; total fund availability depends on the operational solvency and security of the platform.

Best for:Users avoiding complex seed phrase managementFrequent transfers between Cropty usersBorrowers needing crypto-backed liquidityMulti-chain stablecoin management

Pros and cons

Pros

Zero fees for instant internal transfers between Cropty users
Pay network withdrawal fees in USDT or the transferred token instead of native gas
Account recovery by email or Telegram avoids reliance on seed phrases
Overcollateralized crypto loans let users access liquidity without liquidating assets
Multi-platform access across iOS, Android, web, Chrome extension, and Telegram mini apps

Cons

Custodial architecture means users do not control their own private keys
The core development and executive team remains anonymous
Closed-source code prevents public verification of underlying systems

Our review

3.7/5

Good

Cropty delivers fee-free internal transfers and integrated lending, but its custodial model and undisclosed leadership require trusting a centralized operator with your private keys.

Security3.0

Ease of use4.5

Chain support4.0

Features4.5

Privacy3.0

Cropty is a custodial multi-chain wallet founded in 2022 that pairs standard asset storage with centralized financial services, including collateralized crypto loans and interest-bearing deposits. Rather than managing private keys or browser-extension seed phrases directly, users rely on Cropty to safeguard funds in cold storage vaults and authorize actions via two-factor authentication.

The platform differs in transaction convenience across its nine supported networks, which include Bitcoin, Ethereum, TRON, Polygon, Solana, XRP Ledger, The Open Network, BNB Chain, and Avalanche. Internal transfers between Cropty users via @CroptyTag, email, or phone number are instant and entirely free. On-chain transfers allow users to pay gas in the asset being sent or in USDT, which eliminates the need to maintain native gas tokens. Cropty also offers Energy Units, a prepaid credit model that can reduce network fees by up to 33%.

Beyond basic storage and in-app token conversions, Cropty integrates an overcollateralized lending service that provides stablecoins or fiat loans without selling deposited crypto assets, as well as fixed and flexible yield products. It also features Crypto Legacy, an automated inheritance configuration that transfers account balances to a designated recipient after an extended period of inactivity.

The primary trade-off is counterparty risk. Because Cropty operates under a custodial model, users do not retain self-custody over their private keys, so funds remain exposed to operational failure or counterparty insolvency. The project is managed by an anonymous team. Cropty offers zero-fee peer-to-peer transfers and combined storage and lending without requiring users to manage native gas tokens should choose an alternative wallet.

Listings are researched and drafted with AI assistance from public sources, then checked for accuracy and readability. Spot an error? Tell us. Editorial policy.

Sources (3)

Specs

KYC required ⓘ	No · unverified
Wallet type	Mobile, Web, Browser extension · unverified
Custody	Custodial · unverified
Chains	Bitcoin, Ethereum, BNB Chain, TON, Polygon, Solana, Tron, Avalanche, Other · unverified
Platforms	iOS, Android, Chrome · unverified
Open source	No · unverified
In-app swaps	Yes · unverified
Staking	Yes · unverified
Buy crypto in app	Yes · unverified
Security features	2FA, Cold storage, ISO/IEC 27001, Account recovery · unverified
Recovery without a seed phrase	Yes · unverified
Swap fee	0% · unverified
Perpetuals trading	No · unverified

Not disclosed by the provider: Hardware wallet support, NFT support, WalletConnect, Passkey login, Multisig, Built-in dApp browser.

Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.

Key features

Internal transfers without fees

Send crypto instantly to other Cropty accounts using a @CroptyTag, email, or phone number with zero fees.

Flexible gas payments

Pay blockchain withdrawal fees directly in the token being sent, in USDT, or with prepaid Energy Units.

Crypto-backed loans

Borrow stablecoins or fiat against deposited crypto collateral without selling existing holdings.

Yield and staking accounts

Earn interest on supported stablecoins and cryptocurrencies with fixed or flexible withdrawal terms.

Multi-chain asset management

Manage tokens across 9 networks including Bitcoin, Ethereum, TRON, Polygon, Solana, TON, XRP, BNB Chain, and Avalanche.

Crypto Legacy inheritance

Designate a beneficiary to receive account balances automatically if the account remains inactive for a chosen duration.

Inside Cropty

Cropty Wallet

The primary interface for storing, receiving, and sending digital assets across nine networks, featuring fee-free internal transfers using @CroptyTag.

Crypto Loans

An overcollateralized lending tool that provides instant loans in stablecoins or fiat backed by deposited crypto collateral.

Cropty Earn

A passive yield product providing fixed and flexible interest rates on deposited cryptocurrencies and stablecoins.

Cropty Donations

A fundraising setup allowing creators and organizations to accept cryptocurrency donations with zero processing fees.

Cropty screenshots

Cropty homepage showing a crypto wallet product with app screenshots, features, and download options · Oct 21, 2026

What users say about Cropty

App Store 4.7/5 220 ratings Google Play 4.3/5 1,861 ratings

User reviews are mixed. Positive feedback points to a simple, easily navigated interface, but complaints cite high fees, slow customer support responses, and frozen funds.

Top goods

Simple, easy-to-navigate interface 6 people 1 2 3

Top bads

High transaction and transfer fees 2 people 1 2
Poor customer service and response times 2 people 1 2

In their own words

“So far.. so GOOD! After a lot of research, I found Cropty and decided to try them out. They offer all of the financial products that I was looking for. The website is very informative and the app is easy to navigate. I chose to use the borrow function which was an absolute breeze.”

App Store · Jul 29, 2025 · View post

“Great interface Easy to use At first I was a little bit worried about new wallets but Cropty did not disappoint Great customer support thru several social media platforms and Seamless send and receive options of all stable coins and cryptocurrencies.. Great wallet to have”

App Store · Oct 3, 2024 · View post

“Cropty has frozen my assets Cropty has frozen my assets and I am having trouble getting any explanation or resolution. The only way to communicate with them is through an email address that is responded to by an AI bot that does not provide any meaningful information regarding the status of my…”

App Store · Sep 25, 2026 · View post

“Horrible Customer service is horrible. I sent XRP to. Cropty wallet over 72 hours ago and after countless emails and messages on telegram I just got it. Stay away I do not recommend this wallet.”

App Store · Jan 14, 2026 · View post

Based on 14 App Store reviews from the last 12 months, checked Oct 21, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.

User reviews

No user reviews yet. Have you used Cropty? Share your experience below.

FAQ

Is Cropty a self-custodial wallet?

No, Cropty is a custodial wallet. Private keys are held and managed by Cropty in cold storage vaults rather than on the user's personal device.

What fees does Cropty charge?

Transfers between Cropty users are free of charge. External network transfers incur fixed network fees that can be paid in the token being sent, in USDT, or discounted up to 33% using Cropty Energy Units.

Does Cropty require KYC verification?

Cropty does not require KYC for most routine storage and transfer transactions. Identity verification is applied primarily for managed services and compliance with global AML standards.

Which blockchains does Cropty support?

Cropty supports nine networks: Bitcoin, Ethereum, BNB Chain, The Open Network, XRP Ledger, Polygon, Solana, TRON, and Avalanche.

What is the Cropty Crypto Legacy feature?

Crypto Legacy is a built-in inheritance tool that lets account owners name a beneficiary to receive their stored crypto if the account remains inactive for a chosen duration.

Latest from Cropty on X

Cropty – Crypto Wallet & Loans

@cropty_app · 1.2K followers

Mar 24, 2026

What if you could pay transaction fees without spending your tokens?

With Cropty Energy Units, you cover fees using prepaid units instead of your $BTC, $ETH, $USDT, or other assets. In Cropty, it works simply: 1 transaction = 1 Energy Unit, and larger packs can help you save up to 33% on transaction fees.

Why it matters:
— your main token balance stays untouched;
— fee costs become predictable;
— unused Energy Units do not expire;
— you can top up with crypto or by card via the App Store / Google Play.

If you send crypto regularly, this is an easy way to cut costs and manage fees more efficiently.

Open Cropty Energy Units and try them in your next transaction!

The feature is already available on Google Play, App Store and Web App https://t.co/4rE1ZX7GD7 / https://t.co/YjyvnukYbv

Rad more about Cropty Energy Units: https://t.co/XRLTLJXNzc

13 7 13 956 View on X

Mar 3, 2026

Send Crypto to a Friend in Seconds — No Fees, No Crypto Knowledge Required

Most crypto transfers are complicated. You need the right network, the right address, and one small mistake means your money is gone.

Cropty works differently.

Transfers between Cropty users are instant and completely free. No networks to choose. No memo fields. No long wallet addresses to copy and paste.

Here's how it works:
1. Ask your friend for their CroptyTag, email, or phone number linked to their Cropty wallet.
2. Enter the amount — in $USDT, $BTC, $TON, or any supported currency.
3. Confirm with 2FA.

That's it. The money arrives in seconds.

It works for rent payments, freelance invoices, splitting bills — anything where you need to send money fast and reliably, without worrying about transaction fees eating into your balance.

Try a free, instant transfer right now — https://t.co/mYvbYj8RRL

#Crypto #wallet #CryptoTips #Blockchain #DigitalAssets

11 1 9 1.6K View on X

Feb 4, 2026

Crypto hacks make headlines almost every month

DeFi platforms are frequently targeted due to smart contract bugs and weak security standards. Users often lose funds because of risks they can’t control.

Why is Cropty Wallet different?

Cropty Wallet is built with layered security at its core — advanced encryption across the system, secure key vaults, multi-factor authentication, real-time monitoring and regular security audits.

What does this mean for users?

This approach delivers stronger protection against modern threats, fewer points of failure and a safer way to manage digital assets than most DeFi platforms.

Secure your crypto with Cropty Wallet. Store, manage and protect your assets in one powerful app designed to stay secure in an ever-changing crypto world.

#CryptoSecurity #defi #CryptoTips #Blockchain #DigitalAssets

3 3 9 546 View on X

Jan 29, 2026

Gold reaches record highs — around $5,500 per ounce

Gold is trading near all-time highs as investors increasingly turn to proven stores of value amid global uncertainty and market volatility. The precious metal continues to demonstrate its role as a reliable hedge in turbulent times.

What is Tether Gold?

It’s real physical gold, securely stored by Tether, but issued as a digital asset. Its price follows gold, while giving you the flexibility of crypto.

Why tokenized gold?

Tokenized gold combines the stability of a traditional safe-haven asset with the speed and convenience of blockchain allowing you to hold, transfer, and manage gold without the limitations of physical storage.

Store your #XAUT in Cropty Wallet

Cropty Wallet lets you securely store tokenized gold, track its value in real time, and manage it alongside your other digital assets — all in one simple and convenient app.

2 2 8 449 View on X

Jan 26, 2026

How to Recover Your Cropty Wallet Account

Account recovery in Cropty Wallet is simple when you know how you registered. The wallet supports multiple secure login methods so you can quickly restore access.

If you registered with email:

Enter your email, receive a verification code, reset your password, log in and regain full access.

If you registered with Telegram:

Start logging in from the wallet, confirm inside Telegram and access will be restored instantly. No password required.

If you registered with Apple:

Choose “Sign in with Apple”, log in with your Apple ID and confirm authorization.

In rare cases where recovery doesn’t work, Cropty Wallet support will help you restore access:

https://t.co/ErMHT0zOmF

Choose the method that works best for you.

Stay in control of your wallet.

#CryptoSecurity #AccountRecovery #CryptoTips #Blockchain #DigitalAssets

1 1 5 349 View on X

Recent public posts from @cropty_app, shown as published. Not reviewed or endorsed by CryptoReview.

Latest from Cropty on Telegram

Cropty Wallet

@croptywallet · 8.7K subscribers

Join

Oct 27, 2026

🐂 Is now the time to add and hold BTC 💰 ? Galaxy Research says yes.

Alex Thorn, Head of Research at Galaxy Digital, just published a note arguing that the Bitcoin bear market ended back in June 2026 — and that BTC is now in an accumulation phase, the kind that has historically preceded the next big rally.

Galaxy’s key arguments:
➤ The bottom is in. BTC held its 200-week moving average and recovered above the 50-week.
➤ Sellers are leaving. Large speculative funds cut their BTC positions by more than half, while long-term investors mostly kept their coins.
➤ ETFs are accumulating again. Since the June low, US spot Bitcoin ETFs have bought another 87,000 BTC (~$7B).
➤ History repeats. In…

948 View on Telegram

Mar 24, 2026

10.9K View on Telegram

Mar 10, 2026

Plan B for your assets: how crypto inheritance works in Cropty

For many crypto investors, there is one uncomfortable but important question left unanswered: what happens to your assets if one day you are unable to pass access on to your family?

Cropty offers a thoughtful solution — Crypto Legacy.

It allows you to set up an asset transfer scenario for trusted people in advance.
Your beneficiaries can gain access through a carefully designed procedure — without public instructions, without exposing a seed phrase, and without compromising wallet security.

At the same time, your privacy remains protected and your assets stay secure.

It is not the easiest topic to think about. But this is…

10.2K View on Telegram

Mar 3, 2026

Send Crypto to a Friend in Seconds — No Fees, No Crypto Knowledge Required

Most crypto transfers are complicated. You need the right network, the right address, and one small mistake means your money is gone.

Cropty works differently.

Transfers between Cropty users are instant and completely free. No networks to choose. No memo fields. No long wallet addresses to copy and paste.

Here's how it works:

1. Ask your friend for their CroptyTag, email, or phone number linked to their Cropty wallet.
2. Enter the amount — in $USDT, $BTC, $TON, or any supported currency.
3. Confirm with 2FA.

That's it. The money arrives in seconds.

It works for rent payments, freelance invoices, splitting…

6.3K View on Telegram

Recent posts from the official Telegram channel @croptywallet, shown as published. Not reviewed or endorsed by CryptoReview.

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Cropty 3.7 Good