Kronos crypto trading is currently not available to New York residents while our partner Bridge expands money-transmitter coverage. Banking, pay advances and savings are still available.
Kronos uses a conservative state denylist for crypto. New York is currently on that list (NY, HI, TX, LA, WA, VT, NH, AL) because partner Bridge has not yet confirmed money-transmitter coverage. The denylist is fail-closed: we deny by default and tighten as Bridge confirms states. Banking, pay advances up to $1,000 at 0% APR, 2.5% APY savings on Kronos Pro, and the cashback debit card all work normally for New York residents. We will email waitlist members in New York the moment crypto trading goes live.
Yes for banking, savings and pay advance. Crypto trading is currently restricted to New York residents while partner Bridge expands money-transmitter coverage.
Yes. Kronos enforces an 18+ age gate at signup (validateDOB). This is required for any US fintech offering deposit accounts.
Free tier: $250. Kronos Pro ($9.99/month): $1,000. Cap is the same in every US state where banking is available.
Yes. 2.5% APY for Kronos Pro members nationwide; standard rate for free tier.
Kronos uses a conservative fail-closed denylist (NY, HI, TX, LA, WA, VT, NH, AL) until our partner Bridge explicitly confirms money-transmitter coverage in your state. We will tighten the list the moment Bridge confirms.
USD balances are FDIC-insured via partner banks through Bridge.xyz, up to standard federal limits per partner bank. Crypto is not FDIC-insured at any provider.