Short answer: Savings APY + non-custodial crypto + cashback debit + gig earnings tracking, all in one app.
Kronos is the only US neobank that ships high-yield savings (2.5% APY on Pro, FDIC-insured), non-custodial crypto trading (30+ coins, $0 fee on Pro), gig earnings tracking, and a cashback debit card — in a single iOS app. Chime, Cash App, Varo, Current, SoFi each cover one or two of those categories; none cover all four.