Short answer: Kronos: real banking, savings, crypto, and earnings tools.
EarnIn focuses on earned-income access and uses an "optional tip" model that drew a 2024 lawsuit. Kronos focuses on banking for gig workers: debit card, savings APY, zero-fee crypto on Pro, and earnings tracking.
Kronos is a broader financial home for gig workers, not a single-purpose earned-income app.