Cryptocom

Cryptocom recurring buys from schedule to payment

Last updated · Sat, Oct 10, 2026

Cryptocom recurring buys automate repeated cryptocurrency purchases in the App using a chosen amount, frequency, and payment method. Each purchase uses the exchange rate when it processes. The start date controls the schedule, while card-funded orders can have an earlier first charge, making payment timing a separate budgeting consideration.

Bottom line: A recurring purchase repeats its spending commitment, so the payment method, purchase costs, and first-charge timing all affect the schedule.

A schedule repeats the purchase amount

Recurring Buy applies dollar-cost averaging, a method of purchasing an asset with a fixed spending amount at regular intervals. Daily, weekly, biweekly, and monthly schedules spread purchases across different dates. The frequency determines how often the spending commitment repeats. It does not identify a favourable market price or stop purchases simply because the asset has become more expensive.

Compare different frequencies over the same budgeting period so the individual payment does not obscure total spending. Regular purchases reduce the need to choose each entry date, although accumulated holdings remain exposed to a sustained price decline.

Funding uses a card or an eligible App balance

Supported payment methods include credit and debit cards, eligible cash balances, and USDT or USDC from the Token Wallet. Availability varies by jurisdiction.

Cash held in the App

Eligible fiat accounts hold supported government-issued currency for deposits and crypto purchases. In the U.S., the USD Account funds crypto purchases; the Green Dot Bank Cash Account cannot do so. Funding that balance and scheduling a purchase are separate operations. A bank transfer adds cash; the recurring instruction uses an eligible balance to buy crypto. Money elsewhere in the App, including a prepaid card balance, should not be treated as interchangeable funding. The selected payment method identifies the funds the purchase will use.

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Stablecoins held in the Token Wallet

Stablecoin funding uses crypto already held in the App rather than a government-currency balance. Stablecoins aim to track a reference value, but they still carry issuer, reserve, and depegging risks. Depegging means the token moves away from its intended reference value. Its payment role is separate from the cryptocurrency being purchased, so choosing a funding token does not determine the asset the schedule accumulates.

When will my card be charged for a recurring buy?

Your first card charge occurs immediately for a same-day start, on the purchase date for a later start within seven days of order creation, or on day eight for a start beyond that window.

Starts within seven days

A same-day start triggers an immediate, non-cancellable first charge. For a later start within seven days, the card charge falls on the purchase date.

Starts more than seven days away

The initial payment

For a first purchase scheduled more than seven days after order creation, Cryptocom charges the card on day eight.

The scheduled purchase

The crypto purchase still occurs on its scheduled date. Subsequent card purchases charge on their scheduled dates. For a first purchase more than seven days away, Token Wallet and eligible fiat-account payments fall on the start date.

The purchase amount and crypto quantity differ

A fixed spending amount buys a variable quantity of crypto because the execution price changes between purchases. When the price rises, the same available spending amount buys fewer units. When it falls, that amount buys more. This is the mechanism behind dollar-cost averaging; it does not promise a lower acquisition cost than every alternative purchase strategy.

To understand an accumulated position, compare the total acquisition spending with the total units acquired. Averaging displayed market prices without accounting for the quantities purchased can give a misleading acquisition price. Purchase fees also affect how much of each payment reaches the asset purchase. A portfolio value then adds another variable: the market price of the holdings when the balance is viewed.

Purchase fees belong to the funding method

App purchase costs depend on the payment route and applicable regional terms, so automation should not be treated as a fee waiver. Card-funded purchases and purchases using existing balances can have different costs. Review the transaction details and the App's Fees & Limits settings for the selected route. A fee for funding the account and a fee for purchasing crypto concern different operations.

Likewise, prepaid card fees cover card services and spending rules. They do not describe the cost of every recurring crypto purchase. Repeating a schedule also repeats any applicable purchase costs, so comparing methods requires the same purchase amount and period. A lower displayed payment fee alone does not establish a better overall purchase price when conversion terms differ.

Cancellation follows the first-payment deadline

Cancel an uncharged first purchase before its charge date; cancel later purchases before their scheduled execution date.

Already completed purchases remain separate transactions in the account history. Ending future purchase instructions does not itself create a sale of the acquired crypto.

Limits use different amounts and time periods

Recurring crypto orders have a US$1 minimum purchase amount and a 100-order monthly limit. Weekly purchase limits depend on account status.

An order-count allowance and a spending allowance measure different things. General App trading limits can also specify token quantities and currency values over a defined period. Keep the unit and period attached to each limit when reviewing Fees & Limits. Crypto Basket Recurring Buy has a separate quota; cancelling basket orders does not free the quota for single-asset recurring buys.

Active instructions differ from purchase records

The Recurring Buy screen separates active and inactive schedules, while transaction history records account transactions. An active instruction describes future purchasing intent. A completed purchase describes an execution and the resulting account movement. These views answer different questions: whether automation remains enabled, and what the account has actually bought.

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Eligible fiat accounts display cash balances, and the Token Wallet displays crypto balances. A portfolio total combines values for an overview; it does not establish that the specific payment currency is available. Account access also affects your ability to manage the schedule or inspect its funding balance in the App.

Basket purchases and rebalancing have different purposes

Crypto Basket Recurring Buy repeatedly purchases a fixed amount of a basket, while rebalancing changes the proportions of its existing assets. Purchasing adds exposure over time. Rebalancing buys and sells components to restore a selected allocation. A regular basket can use both features, with each performing a different job.

Basket purchases have a US$25 minimum, and standard purchase fees depend on the payment method. During rebalancing, the App temporarily prevents adding to or withdrawing the basket. A discontinued basket may remain available for additional purchases from the Portfolio tab; a basket decommissioned for regulatory reasons cannot accept more purchases.

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The payment commitment to review before confirmation

Review the schedule settings before authorising future purchases:

• Check the intended cryptocurrency or basket and whether it is available to the account.
• Read the amount in its payment currency and compare total spending over the chosen budgeting period.
• Confirm which card or eligible App balance supplies the payment.
• Review the payment timing and cancellation deadline.
• Compare applicable purchase fees and limits, keeping their units and time periods intact.

The DCA Calculator models a schedule using historical prices. It can help explore how a purchase pattern behaved during a selected past period, but it does not determine future execution prices. The historical return displayed by the DCA Calculator belongs to the selected period and inputs.

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