Short answer: Kronos Pro: 2.5% on the full balance.
Kronos Pro pays 2.5% APY on the entire savings balance, FDIC-insured via partner banks, with no minimum, no monthly fee, no lockup, and no direct-deposit gate.
Headline rates from competitors require conditions: Varo 5% APY (only on first $5k with $1,000+ direct deposit), Current 4% (capped at $6k), SoFi 4.20% (requires DD), Apple Savings 4.40% (Apple Card holders only, no debit-card integration).
On a $5,000 balance, Kronos Pro 2.5% APY pays ~$10/month — covers the $9.99 Pro subscription on its own.
No. Open with $0, withdraw any time.
Yes, via pass-through coverage at partner banks through Bridge.xyz.