Short answer: Yes — bank-level encryption, biometric auth, 2FA, FDIC pass-through, and a non-custodial crypto wallet.
Yes. Kronos uses TLS 1.2+ for all transport, biometric unlock (Face ID / Touch ID), two-factor authentication, encrypted on-device storage (iOS Keychain / Android Keystore), Plaid for bank linking, and Bridge.xyz as the licensed money transmitter. Crypto keys are non-custodial — they live on your device and KronosPay cannot move them.