Kronos crypto trading is currently not available to Texas residents while our our licensed partner expands money-transmitter coverage. Banking and savings are still available.
Kronos uses a conservative state denylist for crypto. Texas is currently on that list (NY, HI, TX, LA, WA, VT, NH, AL) because our partners have not yet confirmed money-transmitter coverage. The denylist is fail-closed: we deny by default and tighten as our partners confirm states. Banking, 2.5% APY savings on Kronos Pro, and the cashback debit card all work normally for Texas residents. We will email waitlist members in Texas the moment crypto trading goes live.
Yes for banking and savings. Crypto trading is currently restricted to Texas residents while our licensed partner expands money-transmitter coverage.
Yes. Kronos enforces an 18+ age gate at signup (validateDOB). This is required for any US fintech offering deposit accounts.
Yes. Kronos supports early direct deposit for eligible deposits, plus Plaid-linked transfers and Kronos Tag P2P.
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 partners explicitly confirm money-transmitter coverage in your state. We will tighten the list the moment our partners confirm.
USD balances are FDIC-insured via partner banks, up to standard federal limits per partner bank. Crypto is not FDIC-insured at any provider.