We introduce a type $A$ crystal structure on decreasing factorizations of fully-commutative elements in the 0-Hecke monoid which we call $\star$-crystal. This crystal is a $K$-theoretic generalization of the crystal on decreasing factorizations in the symmetric group of the first and last author. We prove that under the residue map the $\star$-crystal intertwines with the crystal on set-valued tableaux recently introduced by Monical, Pechenik and Scrimshaw. We also define a new insertion from decreasing factorization to pairs of semistandard Young tableaux and prove several properties, such as its relation to the Hecke insertion and the uncrowding algorithm. The new insertion also intertwines with the crystal operators.