The money app for
the self-made.
Banking, cards, supported crypto, international transfers, and 1099 tools in one account that feels calm, fast, and clear.
Everything money-related, without the clutter.
- One crowded send screen→P2P, bank, card, crypto, and international paths stay separated. Details appear only when needed.
- Mystery rates and fees→Amount, recipient, rate, fee, delivery method, and funding source shown together. No guessing.
- Slow, confusing status→Optimistic UI moves immediately while the backend settles in the background. Real blockers stop the transfer.
- Messy confirmations→Receipt-first screens with amount, destination, fee, timing, status, and breathing room. Clean records.
- Stale market surfaces→Supported coins, charts, and market context stay clear and current. No noisy crypto maze.
- Finance jargon everywhere→Plain English across the app, site, and support. Money should feel calm.
Move money without making the screen do everything at once.
Receive income, send P2P, move by ACH, and keep each transfer clear before the final tap.
- Choose the path first — P2P, bank, card, crypto, and international flows stay in their own lanes.
- Confirm the details — amount, recipient, fee, delivery method, and funding source are shown together.
- Optimistic feedback — the UI moves quickly, then the backend settles or discards only when a real blocker appears.
- Clean receipts — every completed transfer gets a polished status and shareable record.
Buy, sell, convert, send, and receive without the crypto maze.
Supported coins, clearer chart intervals, cleaner confirmations, and actions that behave like the rest of the money app.
- Supported coins — search, watch, hold, and act from one clean market surface.
- Clear actions — buy, sell, convert, send, and receive use the same simple review pattern.
- Readable charts — shorter intervals and cleaner market context where users expect them.
- Receipt-first confirmations — amount, fee, status, and destination without decorative clutter.
Tools for income that does not arrive like one paycheck.
Tax set-aside, mileage, receipts, proof-of-income, and annual wrap-style summaries stay close to the money they explain.
- Tax set-aside — keep estimated tax money separate from everyday spending.
- Mileage and receipts — organize the records that usually go missing.
- Proof-of-income — generate cleaner documents when someone asks what you earn.
- Annual wrap — turn real account activity into a useful yearly summary.
The app stays simple because the flow is simple.
Users should never have to guess what screen they are on, what happens next, or why a fee appears.
- Choose the money path — P2P, bank, card, crypto, or international before details appear.
- Review one clear summary — amount, recipient, rate, fee, and timing in one place.
- Move forward quickly — optimistic UI keeps the app feeling immediate.
- Keep the record — polished confirmations and shareable details after completion.
Clear screens before big claims.
Kronos is built around the money moments users actually repeat: send, receive, spend, save, use supported crypto, send internationally, and keep records.
- Money momentWhat changesResult
- SendChoose P2P, bank, card, crypto, or international firstLess clutter
- InternationalAmount carries forward and rates are checked before confirmClear quote
- CryptoBuy, sell, convert, send, and receive share one review patternFewer surprises
- CardControls, merchant context, Apple Pay, and history stay togetherEasy spending
- RecordsReceipts, statements, account details, and proof-of-income are easier to findClean paper trail
- KronosPlain English, calmer screens, and product surfaces that show the real appMoney feels simpler
Plain English by default. No credit products. No lending.
$15 cash for each of your first 3 friends. They get 1 month of Pro free.
Your referral code unlocks +3 days of Pro for every friend that joins (capped at 12 days). After launch, the first 3 friends each pay you $15 cash — sent the moment they fund their account.
See how the referral worksBuilt for people whose money life is not one paycheck.
Start free. Upgrade only when the extra tools matter.
Plain plans, clear benefits, and no confusing finance jargon.
Everyday account, P2P, card basics, supported crypto, and account records.
- Free P2P
- Basic card controls
- Supported crypto access
- Account records
- Standard support
For users who want better supported-crypto pricing, stronger tools, faster support, and more automation.
- 0% platform fee on supported crypto
- Priority support
- Advanced 1099 tools
- Birthday bonus eligibility
- More automation
Everything in Pro, plus the premium perks built for members who want the full Kronos stack.
- AI concierge and Should I Buy
- Travel eSIM access
- Annual merch box
- $50 birthday bonus eligibility
- Black-only perks and priority care
Pro starts at $9.99/mo web · Black starts at $59.99/mo web · Claim 1 month of Pro free · Cancel anytime.
Short answers, no fine-print maze.
Kronos is a money app for people with modern income: banking, card controls, supported crypto, transfers, and 1099 tools in one place.
No. Kronos does not offer credit, loans, or lending products.
No. Cash services are provided through partner financial institutions where applicable. Crypto is non-custodial and is not FDIC insured.
Because money screens should be easy to understand. The app separates flows, shows the details before confirmation, and avoids finance jargon where plain English is clearer.
Kronos has a free tier. Pro starts at $9.99/month on web. Black starts at $59.99/month on web and adds premium perks like AI concierge, eSIM access, merch, and Black-only support.