Short answer: Kronos. $1,000 vs Cash App's $200.
Kronos Pro's $1,000 advance cap is 5× higher than Cash App Borrow's $200. Kronos is 0% APR with no flat fee; Cash App Borrow charges a 5% flat fee. Kronos's underwriting reads gig deposits directly; Cash App Borrow is invite-only.
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, advance size), Kronos is the more capable product.
No. It is invite-only based on Cash App's internal eligibility scoring.