Short answer: Four-feature combo: pay advance + savings APY + non-custodial crypto + cashback debit, all in one app.
Kronos is the only US neobank that ships pay advances ($1,000 at 0% APR on Pro), high-yield savings (2.5% APY on Pro, FDIC-insured), non-custodial crypto trading (30+ coins, $0 fee on Pro), and a cashback debit card — in a single iOS app. Chime, Cash App, Varo, Current, SoFi each cover one or two of those four; none cover all four.