Chime has no premium and no crypto. Revolut and Wise freeze and close their crypto-heavy and gig users — their most valuable ones. 76M Americans now earn 1099 or hold crypto. None have a bank that actually wants them.
Buy, sell, send and receive 35+ coins in the same app as your paycheck — and we never debank you for holding it.
Automatic tax set-aside, Schedule C drafts, mileage and income smoothing. $8,000–12,000 a year back in their pocket.
Lounges, concierge, a metal card and real perks — luxury that out-classes the most expensive tier any neobank sells.
No surprise closures, pauses or restrictions — the #1 complaint about Revolut, Wise and Chime. Your money stays yours.
| Kronos | Revolut | Wise | Chime | |
|---|---|---|---|---|
| Crypto-friendly, no debanking | ● | — | — | — |
| 1099 / gig tax & income tools | ● | — | — | — |
| Premium Black tier | ● | ● | — | — |
| No freezes / closures / restrictions | ● | — | — | — |
SAFE at a $10M post-money cap. Capital goes to launch out of TestFlight, convert the 984K waitlist, and ship the Black tier. We already have the users — we're funding the rails to serve them.