Short answer: Kronos. vs Cash App's $200.
Kronos is better for gig workers who want banking, savings, crypto, and earnings tracking in one app. Cash App Borrow is invite-only and separate from Cash App's BTC-only crypto experience.
Both are 0% APR by structure (EWA), but Cash App's flat 5% fee plus a finance charge if late makes the effective cost higher.
For everything beyond P2P (savings APY, crypto coverage, and gig earnings tracking), Kronos is the more capable product.
No. It is invite-only based on Cash App's internal eligibility scoring.