Banking built for the hustle

Kronos was founded on a simple observation: gig workers earn real money but get treated like second-class customers by traditional banks. We set out to change that.

We're building the financial app that gig workers, freelancers, and independent earners actually deserve — one that combines banking, crypto, pay advances, and savings into a single, modern platform with zero hidden fees.

Sultan Mogaji

Founder & CEO

Sultan founded Kronos in 2026 after seeing firsthand how traditional banks fail independent workers. With a background in fintech development, he built Kronos from the ground up — every line of code, every integration, every design decision — to create the financial platform gig workers deserve.

Based in Miami, FL. Previously worked across payments, blockchain infrastructure, and mobile app development.

What we believe

Zero hidden fees

If we charge for something, we tell you upfront. No surprise overdraft fees, no spread markup on crypto, no gotchas.

Your money, instantly

Waiting 3-5 days for your own money is unacceptable. Instant withdrawals, instant P2P, instant everything.

Built for real people

Not for Wall Street. Not for VCs. For the delivery driver, the freelance designer, the rideshare veteran. For you.

Security first

256-bit encryption, biometric auth, 2FA on every sensitive action. Your money is protected by the same standards as major banks.

Company

Legal name: KronosPay, LLC

Incorporated: State of Delaware, USA

Headquarters: 390 NE 191st St, STE 63415, Miami, FL 33179

FinCEN: BSA filing submitted (BSA Tracking Number MRX26-00003995)

Banking partners: FDIC-insured partner institutions via Bridge.xyz

Card issuing: Paymentology (Visa/Mastercard)

Identity verification: Plaid KYC/IDV

Press

Kronos has been featured on AP News, NASDAQ, NBC affiliates (50+ markets), FOX affiliates, CBS affiliates, National Law Review, Bitcoin News Today, Product Hunt, BetaList, and 100+ publications.

For press inquiries: [email protected]