Looking for a quick verdict on the Tothemoon platform? You’ve probably seen the bold claim that it’s the “fastest growing crypto exchange in the world,” but the reality is a mix of solid features and some glaring gaps. This review breaks down the most important aspects - from fees and security to the crypto debit card - so you can decide if Tothemoon fits your trading style.

Quick Take (TL;DR)

• Centralized exchange founded in 2018, based in Lithuania and licensed by the Lithuanian Financial Crimes Investigation Service (FCIS).
• Offers spot trading for >200 assets but only 29 trading pairs, which limits diversification.
• Futures up to 100× leverage match industry leaders, yet liquidity is weaker than major rivals.
• Staking APR reaches 21% on select PoS tokens - a clear upside for passive income.
• Crypto debit card (Mastercard) provides €15,000 daily limit, low fees, but no iOS app restricts iPhone users.

Who Is Tothemoon?

Tothemoon is a centralized cryptocurrency exchange launched in 2018, headquartered in Lithuania and regulated by the Lithuanian Financial Crimes Investigation Service (FCIS). The platform markets itself as a one‑stop shop for buying, selling, and earning on digital assets. While it has a modern look and a handy Android app, the absence of an iOS version remains a major pain point for many traders.

Core Trading Features

The exchange supports over 200 crypto assets, including the big names like Bitcoin (BTC), Ethereum (ETH), Polygon (MATIC), and Solana (SOL). Despite this broad catalog, the exchange limits users to 29 trading pairs, so you won’t find every cross‑asset combo you’d expect on larger platforms.

For chart lovers, the web interface embeds TradingView widgets, allowing advanced technical analysis without leaving the site. Spot trading fees start at 0.15% and decrease with higher 30‑day volume, a standard tiered structure.

Leverage and Futures

If you’re into high‑risk positions, Tothemoon offers futures contracts with up to 100× leverage - on par with industry giants. However, the platform’s order book depth is shallower than that of Binance or Coinbase, which can lead to slippage during volatile moves. New users should test the waters with smaller positions before committing large capital.

Staking and Passive Income

One of the platform’s standout perks is the staking program. Proof‑of‑Stake tokens like Ethereum (ETH) and Polkadot (DOT) deliver up to 21% annual percentage rate (APR). This beats many competing exchanges, making Tothemoon an attractive option for investors who prefer “set‑and‑forget” earnings.

Banking Integration: SEPA and Card Payments

Deposits can be made via bank cards or SEPA Instant transfers, while withdrawals are processed through SEPA (for EUR) and standard bank wires. The SEPA support is a clear advantage for European users, offering quick, low‑cost fiat movement.

Crypto Debit Card - Real‑World Spending

The exchange’s crypto debit card, powered by Mastercard, lets you spend crypto at any merchant that accepts Mastercard. Key specs:

• Daily spend limit: €15,000
• Base transaction fee: 0.15%
• Supports Apple Pay and Google Pay
• No issuance or maintenance fees for the virtual version

New cardholders receive a 5USDC bonus, which the platform promotes heavily on YouTube. The card’s low fees and high limit are competitive, but remember it’s only available on Android and web platforms - iPhone users are left out.

Security Measures

Tothemoon employs two‑factor authentication (2FA) for login protection and runs a bug bounty program that rewards up to $50,000 for discovered vulnerabilities. While these steps show a commitment to security, the exchange’s public security documentation is thin, and expert ratings flag potential gaps.

Expert and User Sentiment

On CoinGecko’s expert panel, Tothemoon scores 3 out of 10, labeled a “poor exchange.” The low score points to concerns around liquidity, regulatory robustness, and customer support. Trustpilot, by contrast, lists a 3.6‑out of‑5 rating from 120 reviews. Users commend the 24/7 live‑chat support and the instant card‑based buying flow, yet they also criticize the missing iOS app and occasional withdrawal delays.

Regulatory Landscape

The Lithuanian Financial Crimes Investigation Service (FCIS) license gives the platform a legal foothold in the EU, facilitating SEPA integration and EUR support. However, Lithuanian oversight is less stringent than regulators in the UK, US, or Germany, which can affect perceived safety among risk‑averse traders.

Feature Comparison with Major Exchanges

Pros and Cons Checklist

• Pros
  • High staking APR on selected PoS tokens
  • 100× leverage option for futures traders
  • Low‑fee crypto debit card with high daily limit
  • SEPA Instant support for fast EUR deposits
  • 24/7 live‑chat support staffed by humans
• Cons
  • Only 29 trading pairs - limited market depth
  • No iOS app - iPhone users are excluded
  • Liquidity weaker than major exchanges
  • Expert rating of 3/10 signals reliability concerns
  • Regulation limited to Lithuanian jurisdiction

How to Get Started on Tothemoon

1. Visit the official website and click “Sign Up”.
2. Enter your email, choose a strong password, and complete the KYC verification (passport or ID + proof of address).
3. Enable two‑factor authentication (Google Authenticator or SMS).
4. Deposit funds via SEPA Instant, credit/debit card, or transfer your existing crypto.
5. Navigate to the “Spot” tab to trade BTC/ETH or go to “Futures” for leveraged positions.
6. If you want passive income, go to the “Staking” section, select ETH or DOT, and lock your tokens for the advertised APR.
7. Apply for the crypto debit card under the “Card” menu, wait for approval, and start spending.

Everything can be done from a browser or the Android app; just remember you’ll need a desktop or Android device for full functionality.

Potential Pitfalls and How to Avoid Them

• Liquidity gaps: Stick to the most liquid pairs (BTC/USDT, ETH/USDT) to avoid slippage.
• Withdrawal delays: Plan withdrawals during EU banking hours; SEPA can take 1‑2 business days.
• Security concerns: Use a unique password, enable 2FA, and withdraw large holdings to a hardware wallet after trading.
• iOS limitation: If you’re an iPhone user, consider using the web interface on Safari or switch to a competitor with native iOS support.

Is Tothemoon Right for You?

If you value high staking returns, need a low‑fee crypto debit card, and are comfortable with a smaller trading ecosystem, Tothemoon can be a decent side‑tool. However, power traders who demand deep liquidity, a wide array of pairs, and a fully native mobile experience may find Binance or Coinbase more suitable.

Frequently Asked Questions

What is the minimum deposit on Tothemoon?

The platform allows deposits as low as €10 for card payments, while SEPA transfers have no strict minimum - just enough to cover the transaction fee.

Is Tothemoon’s crypto debit card available in the UK?

Yes, the Mastercard is issued to residents of the European Economic Area, including the UK. Shipping times vary, but most users receive the card within 7‑10 business days.

How does the staking APR compare to other exchanges?

Tothemoon offers up to 21% APR on tokens like ETH and DOT, which is higher than Binance (max ~18%) and Coinbase (max ~10%). The rate applies only when you stake directly through the exchange’s wallet.

Can I trade futures on the Android app?

Yes, the Android app includes a “Futures” tab where you can open leveraged positions up to 100×. The UI mirrors the web version but omits some advanced order‑type settings.

What security measures protect my account?

Tothemoon requires two‑factor authentication, encrypts data at rest, and runs a bug bounty program with rewards up to $50,000. Nonetheless, the platform’s public security documentation is limited, so using a hardware wallet for large holdings is advisable.