KronosPay LLC is a financial technology company, not a bank or lender. Where a regulated service appears in the app, it is provided through a partner bank.

Hub · Updated August 6, 2026

Banking for gig workers and freelancers.

Banking for gig workers. Kronos is an iOS money app built for gig workers, freelancers, and independent contractors. It organizes gig-income records, 1099 documents, mileage, receipts, payment requests, and transfer status. KronosPay LLC is a financial technology company, not a bank or lender.

How provider-dependent banking works

Where a regulated service such as holding USD deposits appears in the app, it is provided through a partner bank. The app identifies the provider, account structure, eligibility, fees, timing, custody, and applicable protections in the relevant flow. Deposit insurance, when available for an eligible account through a partner bank, applies under that program's terms — not to KronosPay LLC itself, and not to digital assets.

Why records matter more than the app label

A gig worker evaluating a money app should look past branding. The same app can be described as banking, neobank, fintech, or a wallet while different legal companies perform each function. What matters is whether the app captures the records the worker needs at tax time: payer, date, gross, fees, net, mileage, and source documents. Kronos is designed around that recordkeeping job first, with provider-dependent money movement shown only where the current app flow enables it for the account and location.

State guides

Select your state for a localized records guide. Availability of any provider-dependent feature must be confirmed in the current app flow.

Related guides

General educational information only; not financial, tax, or legal advice. KronosPay LLC is a financial technology company, not a bank or lender. Banking services, where available, are provided by a partner bank. Digital assets can lose value and are not bank deposits or FDIC insured.