Your money.
Your rules.
The bank for the new-economy worker — crypto-native banking that does what Revolut, Wise & Chime won't, and never freezes your account. And quietly puts $8,000–12,000 a year back in your pocket.
Other banks lock you out. We let you in.
- Freezes accounts for “review”→Active risk model on every send. Targets fraud, not legit users.
- Holds your money for days→Same-day ACH today. FedNow + RTP rolling out via Astra Q2 2026.
- Caps daily and weekly transfers→Move what you need. No arbitrary limits.
- Hides behind chatbots→Real humans, same day. Pro skips the queue.
- Hates crypto, or fakes it→20+ chains, non-custodial. Your keys. Your coins.
- Doesn’t actually help you→Tax, mileage, sub killer. Quietly built in.
Banking that just works.
Free P2P. Same-day ACH today, FedNow + RTP rolling out via Astra in Q2 2026. No transfer caps you didn’t know about.
- Free P2P — unlimited / instant / free on every tier
- Cashback on the virtual card — uncapped on every swipe on Pro; final rates set with card issuer at launch. Physical card Q3.
- Early direct deposit — get paid up to 2 days early on Pro
- 1.5% / 2.5% / 3.5% APY savings (Free / Pro / Black) — pass-through on stablecoin yield (Spark Savings on Base via non-custodial Turnkey wallet routing). Black members also earn 1.0% APY on checking. Real mechanism, not magic. Variable; not FDIC.
Real crypto. 20+ chains. Non-custodial.
Your keys. Your coins. Buy and sell at 0% spread on Pro — the price you see is the price you get.
- 20+ blockchains — Bitcoin, Ethereum, Solana, Base, Arbitrum and more
- 0% platform fee on Pro, 1% on Free, no hidden spread
- Non-custodial — you hold the keys, we never touch them
- Send anywhere — on-chain to any wallet, any time
Built-in tax help.
We auto set aside 22% of every gig deposit into a dedicated USDC envelope. Schedule C drafts. Proof-of-income letters. April stops being a panic.
- Auto set-aside — 22% of every detected gig deposit
- Schedule C drafts — export-ready, by tax year
- Proof-of-income letters — one tap, signed PDF
- 1099 detection — Uber, DoorDash, Lyft, Instacart, Amazon Flex, Spark
Earnings tools for 1099.
Twelve quiet little tools, built for the way 1099 income actually works. Best-paying platform today. Mileage. Subs you forgot. Schedule C. Cashback.
- Best-paying right now — live ranking across 8 gig platforms
- Mileage — 1-tap log at the 2026 IRS rate, $0.67/mile
- Sub killer — finds dead subs · 1-tap to the cancel page
- Early-DD alerts — push the moment Plaid sees pending DD
What you keep when you switch.
Average annual savings vs the bank you’re probably using right now. Numbers from published fee schedules and our own gig-worker user data.
- Where you saveVs the average bankPer year
- Crypto fees and spreadCash App / Revolut: 1.75–2.5%$1,800
- Auto tax set-asideNo more April surprises$1,200
- Mileage trackingIRS deduction at $0.67/mile$1,100
- Subscription killerForgotten subs per household$720
- Overdraft and NSF feesChase / Wells: $35 average$420
- 2.5% APY on savingsVs 0.01% at most banks$380
- Cashback on debitMost banks: 0%$320
- P2P transfer feesCash App instant: 1.5–3%$240
- Wire / FedNow / RTP$25–45 per outgoing wire$180
- ATM fees$3.75 per withdrawal average$150
- Account / monthly feesMost checking accounts: $12–15/mo$144
- Total back in your pocketPer year$6,654 – $10,000
Estimate. Cashback + card-side savings unlock when our card issuer goes live (Q3 2026). Web Pro checkout opens with iOS launch. Tax envelope, mileage, Schedule C, P2P, savings APY, and crypto fee savings are live in TestFlight today.
$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 the 73 million Americans on 1099 income.
Free forever. Or Pro, for everything.
No tiers to compare for an hour. No overdraft trickery. No trial that turns into a charge.
Everything you need to switch off your old bank. Card cashback unlocks when our issuer launches Q3 2026.
- Free P2P — unlimited on every tier
- Cashback on virtual card (Pro)
- Automatic gig income tracking
- Crypto trading (1% fee)
- Tax set-aside, mileage, sub killer
$9.99/mo on web. $13.99/mo on iOS. Early direct deposit, zero crypto fees, 2.5% APY.
- Unlimited free P2P
- Early direct deposit (up to 2 days)
- 0% crypto trading fees
- 2.5% APY savings
- Priority same-day support
Weekly $5.99 with 3-day free trial · Web $9.99/mo · iOS $13.99/mo · Claim 1 month of Pro free · Cancel anytime.
Frequently asked.
An all-in-one bank built for the 73 million Americans on 1099 income. Non-custodial crypto across 20+ chains, 2.5% APY savings, cashback debit, FedNow and RTP transfers, and quiet tools that handle taxes, mileage, and forgotten subscriptions. Available on iOS now; Android Q3.
We replaced arbitrary balance and velocity caps with active-use checks. We look at whether your usage matches a real human running their financial life — not whether a transaction tripped a generic threshold. Legitimate use stays unblocked.
Yes. You hold the private keys. Trades route through our regulated buy/sell partner (HiFi for fiat on/off-ramp, plus our crypto-broker partners for non-stablecoin assets) which settles into your wallet, never ours. We never custody your crypto. Network gas fees still apply on withdrawals because they go to the chain, not us.
Cash deposits are held at FDIC-insured partner banks via our regulated banking partner. KronosPay LLC is not a bank itself. Crypto holdings are non-custodial and not FDIC-insured.
Web: $9.99/month, $99.99/year, or $199.99 lifetime at getkronos.io/pricing. iOS App Store: $13.99/month, $139.99/year, or $279.99 lifetime to cover Apple’s 30%. Pro unlocks 0% crypto fees, 2.5% APY, early direct deposit, unlimited free P2P, and same-day priority support.