All clubs have multiple cars. They are allowed to lease 5 cars for players outside of the cap.A fair few clubs have options of multiple cars, apartments (live or rent), boats, crypto and other cash income/investment options.
Similarly, players often have housing provided but it is usually included in the cap cost. Temporary accommodation costs outside of the cap can be provided with NRL approval (which usually is approved for a few months of any relocating players).
Have not heard of boats being included since Storm got done for them.
Additional cash incomes are what makes up that about 200k per club, that is primarily what the TPAs are.
Investment options are above board, provided the player is putting some of their declared salary into that investment (and I guess also not breaching any insider trading laws). Players can not be given investments as part of their payment. Also ask some of our former players about trusting our club with investment opportunities.
I'm not saying there is not more incentives/payments, perhaps Crypto as you suggest, happening but they would be illegal payments, not TPAs. So, if we're paying 500k+ outside of the cap, were most likely breaking the cap rules, as I suspect most clubs probably are in some way. Though I do doubt it is to this degree, as I don't think there is enough interest from outside sources to sink significant cash into salaries.