A debit card built to spend crypto with the same 0% fees and non-custodial wallet Kronos is built on. It's on the roadmap, not live yet — Download Now to get it first, and use the 0% crypto trading that's already here today.
Download Now for the cardStatusThe crypto debit card is on the Kronos roadmap and is not live yet. This page exists so you can claim early access. We won't pretend a feature is shipped when it isn't — here's the honest split.
| Capability | Status |
|---|---|
| Buy, sell, convert 30+ cryptos at 0% fees (Pro) | Live today |
| Send crypto on-chain to a non-custodial wallet | Live today |
| Hold USDC and other stablecoins | Live today |
| Crypto debit card (spend at point of sale) | Coming soon — waitlist |
| Spend-crypto-without-selling at checkout | Coming with the card |
When it launches, the Kronos crypto card is designed around the things the category gets wrong. The goals:
These are design goals for an unreleased product, not current features. Final terms, fees, availability, and supported assets will be confirmed at launch.
The phrase "spend crypto without selling" is popular for a reason, but it deserves an honest footnote. In the US, spending crypto is generally a taxable event — disposing of an asset can trigger a capital gain or loss, the same as selling it. A card doesn't change tax law.
What does reduce the friction is spending stablecoins. Because USDC is designed to stay at $1, there's typically little or no gain or loss to report when you spend it — you're moving dollars, not realizing appreciation on Bitcoin. That's why the Kronos card is built stablecoin-first. Either way, Kronos's record-keeping is designed to make conversions easy to track for tax time, and the tax suite already handles the 1099 side. More on USDC →
While the card is in development, the crypto product underneath it is already live:
We're not announcing a date yet. The waitlist is how you'll hear first — joining it also helps us prioritize rollout. Card issuing is a regulated build, and we'd rather ship it right than rush a claim.
Rewards are part of the design conversation but not confirmed. We'll publish exact terms at launch rather than promise a number now.
The point-of-sale spend experience arrives with the card. Today, crypto on Kronos is for buying, selling, converting, holding, and sending. Apple Pay support details →
No — crypto is non-custodial and never FDIC-insured at any provider. FDIC covers USD bank deposits, which at Kronos are held via partner banks with pass-through coverage.
The intended edge is 0% fees, a non-custodial wallet, and integration with banking and 1099 tax tools in one app. Since the card isn't live, treat these as design goals — Download Now and we'll share exact terms at launch.
KronosPay Inc. is a Delaware C-Corporation founded in 2026 by Sultan Mogaji to build banking and crypto in one app — non-custodial, 0% crypto fees, built for the self-employed.
Compliance: FinCEN BSA MSB Tracking Number MRX26-00003995 · KYC via Plaid Identity Verification · cash deposits FDIC pass-through via partner banks (Lead Bank) through our banking partner.
This page describes a roadmap product. Spending crypto may have tax consequences; this is not tax advice.
Download Now for early access — and start trading crypto at 0% fees today.
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