Kronos was founded on a simple observation: self-employed Americans — drivers, traders, freelancers, founders — earn real money but get treated like second-class customers by traditional banks. We set out to change that.
If you make your own money — driver, trader, freelancer, founder, anyone earning 1099 income — we got you. Banking, crypto, pay advances, and savings in one modern platform. Zero hidden fees.
Founder & CEO. Solo dev. Wrote every line of code, every integration, every design decision — to build the financial platform self-employed Americans actually deserve.
Sultan founded Kronos in 2026 after seeing firsthand how traditional banks fail independent workers. Multi-exit operator. Built and ran an automated crypto trading bot at age 16 that returned $700,000 in a year using technical analysis — where he learned to ship code with real money on the line. Background spans payments, blockchain infrastructure, and mobile app development. Based in Miami, FL.
If we charge for something, we tell you upfront. No surprise overdraft fees, no spread markup on crypto, no gotchas.
Waiting 3-5 days for your own money is unacceptable. Instant withdrawals, instant P2P, instant everything.
Not for Wall Street. Not for VCs. For the delivery driver, the freelance designer, the rideshare veteran. For you.
256-bit encryption, biometric auth, 2FA on every sensitive action. Your money is protected by the same standards as major banks.
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 stack: HiFi (hifi.com) provides USD ↔ USDC on/off-ramp + wallet infra; FDIC pass-through settlement on the dollar leg via HiFi's regulated banking partners
Card issuing: Partner bank (Visa/Mastercard)
Identity verification: Plaid KYC/IDV
Press: AP News, NASDAQ, NBC, FOX, CBS affiliates, National Law Review, Bitcoin News Today, Product Hunt, BetaList — 100+ publications.
For press: [email protected]