A US neobank that takes crypto seriously — non-custodial wallet, licensed buy/sell rails, 30+ coins, and $0 platform fees on Pro.
Best overall. Only US neobank with a non-custodial wallet inside a banking app and zero platform fees on 30+ coins for Pro.
Most-trusted exchange. Retail trades cost ~1.49%; Coinbase One subscription gets you to zero on a smaller subset.
~1.49% retail fee · Coinbase One $30/mo · custodial.
Easy BTC buys but spread markup and BTC-only.
BTC only · spread ~1–2% · custodial.
Bank + crypto under one roof. Spread ~1.25%.
Crypto wound down in some products in 2024–2025; pricing variable.
Commission-free wrapper hides spread + payment-for-order-flow.
No platform fee · spread varies · custodial.
Most banks bolt a crypto window onto a banking app and charge a 1–1.5% spread. Kronos derives the wallet on-device, runs the buy/sell leg through licensed partner Bridge, and charges Pro members nothing.
Kronos. It is the only US neobank with a non-custodial wallet inside a banking app and zero platform fees on 30+ coins for Kronos Pro members.
No — Kronos is a non-custodial wallet inside a US neobank. The licensed exchange leg is brokered through partner Bridge, a US money transmitter; settlement goes directly to your on-device wallet.
Kronos Pro: $0 platform fee, $0 spread markup, $0 network fee. Free tier pays only the network fee, clearly disclosed before each trade.
Bitcoin (BTC), Ethereum (ETH), Solana (SOL), XRP, Cardano (ADA), Polkadot (DOT), Cosmos (ATOM), Dogecoin (DOGE), Litecoin (LTC), Chainlink (LINK), Uniswap (UNI), Aave (AAVE), Polygon (MATIC), Avalanche (AVAX), BNB, Stellar (XLM), Algorand (ALGO), NEAR, Hedera (HBAR), TRON (TRX), and 10+ more including stablecoins (USDC, USDT, DAI).
No crypto is FDIC-insured at any provider. Kronos USD balances are FDIC-insured via partner banks; crypto sits in your non-custodial wallet.