Investments
Subscribe to recurring or one-off crypto products, get every status at a glance, and see exactly how billing, pauses, and cancellations work.
Think of Investments as optional crypto products you can subscribe to, or buy once — Criptala handles the buy (or sell) for you, following the product's rules. You'll find them on the Investments page, which shows up in the sidebar whenever at least one investment product is available to you.
Who can see and use Investments
- Just want to look around? Browsing the Investments page and viewing your existing subscriptions only asks that you have a profile and have finished onboarding — it does not by itself require a Verified profile.
- Subscribing to a product, confirming a subscription, cancelling a subscription, or placing a one-off product order all require a Verified profile. If you try any of these while not Verified, you're sent back to your orders with the message "Profile not verified" — "You need to verify your profile to access this resource."
Verify before you subscribe
Do yourself a favor and complete your identity verification before you go to subscribe to any product. Browsing the Investments page doesn't need it, but every action that creates or cancels a subscription does.
Why you might not see the Investments section at all
The sidebar's Investments entry — and the "Available investments" list on the page — only show products that tick every box at once:
- Active (not deactivated by Criptala),
- Enabled in your country (a product can be restricted to specific countries; if it has no country restriction, it's available everywhere),
- Visible (an internal visibility flag Criptala controls), and, for the sidebar specifically,
- Flagged to show in the sidebar (a separate flag from plain visibility — a product can be visible on the full Investments page but excluded from the sidebar shortcut).
If none of your country's products tick all of these, the whole Investments section (sidebar heading and mobile navigation item) simply stays hidden, and the "Available investments" grid on the page shows: "No investment products are available at the moment."
No specific catalog is guaranteed
Which cryptocurrencies, fiat currencies, networks, or specific products are enabled comes down to your country and what Criptala has set up — and it changes over time. What stays fixed are the mechanics described on this page.
Product types
Recurring DCA
A subscription that buys or sells crypto for you, automatically, on a billing day you pick.
One-off Portfolio
One order that spreads a single fiat amount across several cryptocurrencies at once.
External
One order that sends funds to an external wallet address you provide.
| Type | What it does |
|---|---|
| Recurring DCA | Dollar-cost-averages into (or out of) crypto. Can be a true recurring subscription — billed automatically every cycle on a billing day you pick — or a non-recurrent variant that behaves as a single one-off order into one wallet/currency. |
| One-off Portfolio | A single purchase where you split one fiat amount across several cryptocurrencies, each into its own wallet. Always a one-off (never a recurring subscription). Your allocation percentages must add up to exactly 100%. |
| External | Sends funds to a wallet address you type in, on the product's configured network, instead of one of your own wallets. Always a one-off. The button to start it reads Fund instead of Subscribe. |
Recurring vs. one-off matters for how you interact with it
Here's the key difference. Only true recurring products create a subscription you can see under "My investments", with a billing day, an Active/Paused/Cancelled status, and an option to cancel. Non-recurrent products (a non-recurrent DCA, every One-off Portfolio, every External product) just create a single order each time you use them — there's nothing to "cancel" afterward, only the order itself to track.
"My investments" — your active and past subscriptions
Own at least one product? A My investments panel shows up at the top of the Investments page (collapsible, and open by default). Each card gives you the product's image, name, a status badge, a short description, and these metrics: Monthly amount, Next billing, Last billing, and Billing day (shown as "Day :day of each month"), plus the currencies involved.
Status badges
| Status | Badge color | Meaning |
|---|---|---|
| Active | lime | Billing normally on its billing day. |
| Paused | amber | Manually paused, or auto-paused because two billing cycles in a row went unpaid. |
| Auto paused | red | Paused automatically because Criptala deactivated the underlying product — not something you did. |
| Cancelled | — (not shown as a card status; cancelled subscriptions free up the product to be subscribed to again) | You or the system cancelled it. |
The action button on each product card
| Your situation | Button | What happens |
|---|---|---|
| You have an Active subscription | Unsubscribe (outline, red) | Opens the cancel-confirmation dialog. |
| Status is Paused or Auto paused | Paused subscription | Opens the paused-subscription info dialog (see below). |
| You cancelled it before, and you've already cancelled this product twice this year | Subscribe | Opens a "Cannot subscribe" alert instead of the form. |
| You're eligible to (re)subscribe | Subscribe (recurring products), Fund (External), or Invest (other one-off products) | Takes you to the subscribe/order form. |
Cancelling a subscription
Click "Unsubscribe" on the product card. A confirmation dialog titled "Cancel Subscription" pops up and asks "Are you sure you want to cancel your subscription to :product?", with the note "This action cannot be undone. You will need to subscribe again if you want to use this product in the future."
Confirm. Any of your orders for that subscription that are still waiting on payment get cancelled along with it, and the subscription's status turns to Cancelled. You'll see the toast "Subscription cancelled" — "Your subscription has been cancelled successfully."
Good news: a cancelled subscription no longer holds the product's slot — you're free to subscribe again, as long as you haven't already hit the cancellation limit for that product this year (see Rules and limits).
The "Cannot subscribe" alert
Already cancelled the same product twice this calendar year? Try to subscribe again and you'll see:
Cannot subscribe — "You have reached the maximum number of subscriptions allowed for this product in the year. To subscribe again, please contact support."
Heads up: this alert has its own Close button, which is separate from the Cancel/Accept buttons on the cancel-confirmation dialog.
"Available investments"
Just below "My investments", the Available investments grid lists every eligible product or product group you don't currently have an active subscription to. Click a group and a dialog opens with a "See options" action so you can pick the specific product; click a single product and you'll get "Continue", which takes you straight to the form.
Click a product you're already actively subscribed to and nothing opens — you'll get a warning toast instead: "You are already subscribed to this product".
And if there's nothing available at all (and you don't own anything either), the grid shows: "No investment products are available at the moment."
Jumping straight to a product
If you land on the Investments page from a shortcut that already names a product (say, a sidebar link built for a specific product, or the special "subscribe automatically" case — which only kicks in when your profile has no existing subscriptions at all, and then picks the first eligible product that isn't at its cancellation limit), you go straight to that product's subscribe/order form — with no confirmation step and no card to click first.
Subscribing / placing an order
Recurring products go through a two-step wizard: first you fill the form, then you confirm a summary before anything gets created.
Before the form even loads, a few checks can turn you back with a message instead:
| Situation | What you see |
|---|---|
| The product isn't enabled in your country | "Product not available" |
| The product has been deactivated | "This product is not available." |
| You already have another active order in progress (Person profiles only) | "You have an active order" — "Please complete it before creating a new one." |
| You've hit your tier's daily order limit for non-recurring operations | "Limit reached" — "You reached your limit of orders for today." |
| You already have a slot-occupying subscription for this product (Active, Paused, or Auto paused) | You're sent straight back to Investments, no message — you're already subscribed. |
| You've cancelled this product twice already this year | "Subscription limit reached" — "You have reached the maximum number of cancellations allowed for this product this year." |
Fill in the subscription form. Fields you'll see:
| Field | Notes |
|---|---|
| Monthly amount | Required, numeric. Shows Min / Max helper amounts. |
| Currency selector | The fiat currency you're paying with. |
| Wallet | Required (unless locked — see below). Empty state: "No wallets available for this product. Please create one." with an Add wallet shortcut. |
| Billing day | A day from 1 to 28. Days already used by another one of your slot-occupying subscriptions are disabled; picking one anyway is rejected with "This billing day is already in use. Please select a different day." |
| Create order now | If left off, no order is created immediately — the first one is generated automatically on your chosen billing day. Helper text: "If not selected, the order will be created on the chosen billing day." Disabled if you already have an active order or have hit your daily order limit. |
| Payment method | Bank transfer or collection network for purchases. |
| Referral bond selector | Shown only if you have bonds available — "You have bonds available" opens a Bonds dialog: "Click on the bonds you want to use." For recurring subscriptions: "The bond applies to your first order only." |
If your subscription inherits its commission from another active subscription of yours in the same product group, the wallet field comes locked and pre-filled, with the helper "Locked to the wallet of your active subscription.", and the costs row is labeled "Costs (preferential commission for subscription)" instead of the regular Costs.
Take a look at the "Costs" breakdown (you pay / costs / bonds / you receive) before continuing. A helper explains: "Costs are calculated based on the amount you are operating, the fees applied by the platform and the fees applied by the payment and/or collection methods. A more detailed explanation will be provided upon creating the order."
If you checked "Create order now" and the market is currently closed for the product's currency, an "Outside Trading Hours" dialog appears (for a first non-recurring run, with the disclaimer "Since you are placing this order outside of trading hours, the exchange rate at the time of execution may differ from the current rate due to market fluctuations.") or a scheduling notice such as "Your order will be scheduled for :date because it is outside trading hours." — your subscription is still created; only the first order's execution waits.
Continue to "Confirm subscription". A Subscription summary card walks you through Product, Wallet, Bank accounts, Payment method, Currency, Amount, Billing day, whether "Create order now" is Yes or No, portfolio allocations if any, and your notification preferences. Hit Back to return and tweak anything, or Confirm (which shows "Subscribing..." while it saves) to finish.
Notification preferences default to Email here
For a true recurring subscription, this wizard has no interactive notification selector — your preference simply defaults to Email and gets shown in the summary. The "select at least one notification method" requirement only pops up in the one-off flow's "Outside Trading Hours" dialog (see the other tab).
After confirming:
- If you left "Create order now" off, you get "Subscription created" — "Your subscription has been created successfully." No order exists yet; it's created automatically on your billing day.
- If you checked "Create order now" and the market is open, your subscription is created and its first order runs right away — you're taken to that order's payment page, with "Subscription created" and a message that the first order is ready for payment.
- If the market is closed, the subscription is still created and its first order is scheduled for the next time the market opens — nothing you need to do.
- If something goes wrong while trying to run your first order right away, your brand-new subscription is automatically paused so it doesn't keep failing, and you'll see: "We could not run your subscription right now. Please try again later."
One-off products (External, One-off Portfolio, and a non-recurrent DCA) skip the separate confirm step — you fill one form and submit directly.
Fill in the form. Field set depends on the product:
| Field | Where it appears | Notes |
|---|---|---|
| Investment amount (One-off Portfolio) or Amount (External) | All one-off products | Required, numeric, with Min/Max helpers. |
| Wallet | Non-Portfolio, non-External purchases | Required unless locked to an inherited wallet. |
| Wallet address | External only | Placeholder "Enter your wallet address", validated against the product's configured network. Locked and pre-filled with "Locked to the wallet of your active subscription." when inherited. |
| Portfolio allocations | One-off Portfolio only | Helper: "Distribute your investment across different cryptocurrencies." Each row needs its own wallet (empty state: "No wallets available for :currency"). Percentages must total exactly 100% — otherwise: "The total allocation must equal 100%. Current total: :total%" |
| Bank accounts | Sale flows | Empty state: "No bank accounts available. Please add one." with an Add bank account shortcut. |
| Payment method | All | Bank transfer/collection network for purchases, cryptocurrency transfer for sales. |
| Referral bond selector | If available | Same as the recurring flow. |
If the market is closed for the product's currency (or any of its allocation currencies), an "Outside Trading Hours" dialog explains: "Your order will be scheduled for later execution.", plus the disclaimer "Since you are placing this order outside of trading hours, the exchange rate at the time of execution may differ from the current rate due to market fluctuations." — you must select at least one notification method to continue, or you'll see "Please select at least one notification method." Confirm with Accept and Continue.
Submit. The order is created and, if the market is open, processed right away; you're taken to the order's payment page if payment is due, otherwise to your orders list, or back to Investments if it was scheduled for later.
Guards specific to one-off orders:
| Situation | What you see |
|---|---|
| You already have another active order (Person profiles only) | "You have an active order" — "Please complete it before creating a new one." |
| The product is a sale-type product used in this flow | "This product cannot be processed here." — "Sale products are not supported in this flow." |
| You've hit your daily order limit | "Limit reached" — "You reached your limit of orders for today." |
| A wallet you selected (or one behind an allocation) doesn't belong to you | "The selected wallet is not available." |
| Something goes wrong while processing after creation | "Order created but could not be processed. Please try again later." |
| Success | "Order created successfully" |
Every generated order is a real order
Whether it came from your first subscription billing, a recurring subscription's monthly run, or a one-off product purchase, the resulting order is paid, tracked, and shows up just like any other order. See Orders for statuses, payment, and receipts.
Subscription statuses
| Status | Meaning |
|---|---|
| Active | Billing normally on its billing day. |
| Paused | Paused — either manually, or automatically after two consecutive unpaid billing cycles. |
| Auto paused | Paused automatically because Criptala deactivated the product itself (not a payment issue). Automatically resumes to Active if the product is reactivated. |
| Cancelled | You or the system cancelled it. Doesn't block re-subscribing, subject to the annual cancellation limit. |
Active, Paused, and Auto paused all take up the product's one subscription slot — so you can't start a second subscription to the same product while any of these apply; it's one at a time. Cancelled subscriptions leave the slot free.
Order statuses (for orders generated by an investment product)
| Status | Meaning |
|---|---|
| Pending | Just created, about to be processed. |
| Scheduled | Waiting for the market to open before it's processed. |
| Processing | Being processed. |
| Completed | Finished successfully. |
| Failed | Didn't go through. |
| Cancelled | Cancelled (for example, because the subscription itself was cancelled while the order was still pending payment). |
Not the same statuses you see on the Orders page
This table describes the internal status of the investment record itself, before it becomes a trackable order. The moment an order is actually generated (right away, or on your billing day), it turns into a regular checkout order with its own, more detailed set of statuses — Payment pending, Verifying payment, Processing payment, Collection pending, Pending approval, Processing collection, Payment failed, Collection failed, Expired, Cancelled, Rejected, Completed — which is what you'll actually see when you open the order. See Orders for that full picture, including payment and receipts.
Rules and limits
Two cancellations per product per year
You can cancel the same product at most twice per calendar year. Try to re-subscribe after a second cancellation and you'll run into the "Cannot subscribe" alert: "You have reached the maximum number of subscriptions allowed for this product in the year. To subscribe again, please contact support."
Only one active order at a time (personal profiles)
If you're operating as a Person profile, you can't start a new investment order or subscription-with-immediate-order while another order is already in progress — you'll be sent to your orders with "You have an active order" — "Please complete it before creating a new one." This restriction doesn't apply to Business profiles.
- Billing day must sit between 1 and 28 — that way shorter months never trip things up.
- Daily order limits — both how many orders you can place per day and the total amount you can operate per day — come down to your account tier. See Fees and limits for how those work. Recurring subscriptions skip the daily-count check when they're billed automatically (the system just defers a due subscription to the next available day instead of blocking it), but an immediate first order still respects your daily limit.
- Country availability — a product only shows up for you if it's enabled for your country (or has no country restriction at all).
Auto-pause for missed payments
If a recurring subscription goes two consecutive billing cycles without a successful payment, it's paused automatically — its status becomes Paused, its pending orders are cancelled, and we'll let you know by email.
Reactivation isn't self-service
A subscription paused this way is never reactivated on its own. The only way to resume it is to contact support at the phone number Criptala shows you — there's no button in the app to reactivate it yourself.
The "Subscription paused" dialog
This dialog opens on its own the first time you load the Investments page in a given browser session, if any of your subscriptions was auto-paused for non-payment — and you can always reopen it by clicking Paused subscription on the affected product's card.
- Title: Subscription paused
- Body, depending on the reason:
- Paused for missed payments: "Your subscription to :product was paused for non-payment in the last 2 months. To reactivate it, contact support at :phone."
- Paused for any other reason (including a product-wide deactivation by Criptala): "Your subscription to :product is currently paused. To reactivate it, contact support at :phone."
- Close dismisses the dialog.
Auto paused vs. Paused
Auto paused specifically means Criptala deactivated the underlying product — it goes back to Active on its own if the product is reactivated, nothing needed from you. Paused (including the non-payment case) always needs you to contact support to resume.