Kronos FAQ — every question answered.

Kronos is a mobile-first financial app that combines banking, crypto trading, pay advances, and savings into a single platform. It's purpose-built for gig workers, freelancers, and anyone who wants modern banking without juggling multiple apps. Available on iOS.

Kronos is a FinCEN-registered Money Services Business and a financial technology platform, not a chartered bank. Banking services are provided through chartered partner banks via Bridge.xyz. Cash deposits are FDIC-insured through those partner banks.

Yes. KronosPay LLC is a Delaware-registered LLC headquartered in Miami, Florida. FinCEN-registered (BSA Tracking Number MRX26-00003995), uses Plaid Identity Verification for KYC, uses a non-custodial wallet (keys on device); buy/sell is brokered through Bridge as the licensed counterparty, and is available on the Apple App Store after Apple review and approval.

Free to download and use. Kronos Pro is $9.99/month, $99.99/year, or $199.99 lifetime. Pro unlocks zero-fee crypto on 30+ coins, advances up to $1,000 (vs $250 free), higher APY, and boosted cashback.

Download Kronos Pay from the App Store, sign up with email + phone, complete ID verification through Plaid (driver's license or passport + selfie), and link a bank account. Under 5 minutes.

Yes. Currently US-only. You'll need a valid SSN or ITIN and a US residential address. International expansion is roadmap.

18+ (or the age of majority in your state) — required by our banking and crypto partners.

Roadmap for 2026. iOS-only today. Waitlist members can join on any device.

No. KronosPay (getkronos.io) is unrelated to UKG Kronos (workforce management software). KronosPay is a consumer fintech app for banking, crypto, and pay advances.

No. Kronos never pulls your credit — not at signup, not for advances, not for savings. Advance underwriting uses verified deposit history via Plaid.

Up to $250 on the free tier, up to $1,000 on Kronos Pro. The exact amount is underwritten against your verified gig-platform deposit history.

No interest on Kronos Pro. Pay advances are not loans under the Truth in Lending Act (per the CFPB's 2020 Earned Wage Access advisory opinion). Fees disclosed upfront.

Automatically from your next qualifying gig deposit. When Kronos detects a matching Uber/DoorDash/Lyft/etc deposit, the advance is withheld before the balance posts.

Uber, DoorDash, Lyft, Instacart, GrubHub, Amazon Flex, Shipt, and Walmart Spark. See Works With for platform-specific guides.

30+ coins including BTC, ETH, SOL, XRP, ADA, DOT, ATOM, DOGE, LTC, LINK, UNI, AAVE, MATIC, AVAX, BNB, XLM, ALGO, NEAR, HBAR, TRX, and stablecoins USDC/USDT/DAI.

Zero platform fee, zero network fee, and zero spread on Kronos Pro. Free tier pays ~1% network fee. For comparison: Coinbase retail 1.49%, Cash App 1–2% spread, SoFi 1.25% spread.

Yes. Send to any external wallet address on the coin's native network.

Primary: partner (NYDFS-regulated trust company). Bridge.xyz and on-device wallet provide custody for specific coins/networks. All regulated and audited.

No. Crypto is not FDIC-insured anywhere (not at Kronos, Coinbase, Cash App, Robinhood, Kraken, or any other provider). FDIC covers bank deposits only. Kronos cash balances are FDIC-insured via Bridge's partner banks.

Up to 2.5% APY variable via Bridge.xyz's FDIC-insured partners. Interest credited monthly. No minimum, no fee on the free tier.

Yes. Every Kronos user gets a real US routing number and account number via Bridge.xyz. Hand these to your employer or gig platform.

Yes. Photo of front and back. Processed through partner bank.

Yes — Kronos-to-Kronos transfers are instant and free via Kronos Tag (@username).

Yes. Virtual Visa debit card at signup (Apple Pay / Google Pay compatible), physical card ships free on request. Issued via our partner bank.

Yes, on every purchase, with boosted rates on gas and dining on Pro. Current rates on the Card screen in-app.

No fee on the free tier. Pro is $9.99/mo. No overdraft fee, no foreign transaction fee, no minimum balance fee.

Cash deposits are FDIC-insured through Bridge.xyz's partner banks up to $250,000 per depositor, per insured bank. Crypto is not FDIC-insured (it can't be — no crypto is FDIC-insured anywhere).

Yes. AES-256 encryption at rest, TLS 1.2+ in transit. Biometric auth (Face ID / fingerprint) on sensitive flows. Row-level security on every DB table. Card data tokenized at PCI-DSS Level 1 partner.

Crypto is custodied at partner, not on Kronos's balance sheet. In a worst case, you retain direct claim to your coins through partner's custodial records.

Waitlist members who joined before a specified date can claim 3 free months of Kronos Pro at launch. Claim at /claim-pro. Includes $1,000 advances, zero-fee crypto, higher APY — a $30 value.

Yes. Each referral earns 30 extra days of Kronos Pro (capped at 24 months). Share at /refer.