Built around the cadence of how 1099 contractors get paid. Pay advances up to $1,000 at 0% APR, 2.5% APY on savings, $0 fee on 30+ cryptos, and a cashback debit card — all in a single iOS app.
| Product | Free | Kronos Pro ($9.99/mo) |
|---|---|---|
| Pay advance | Up to $250 | Up to $1,000 · 0% APR |
| Crypto trading | Network fee only | $0 platform fee · 30+ coins |
| Savings APY | Standard | 2.5% APY · FDIC-insured |
| Cashback debit | Standard | Boosted |
Yes. Kronos was designed first for 1099 contractors. The pay-advance underwriting reads 1099 clients, Stripe, PayPal, ACH directly, the savings rate (2.5% APY on Pro) compounds on whatever you set aside between gigs, and the in-app crypto trading lets you DCA without juggling a separate exchange.
Free tier advances $250. Kronos Pro ($9.99/month) advances $1,000 once you have a verified deposit history. Repaid automatically from your next 1099 clients deposit.
No interest on Kronos Pro advances. No credit check at any point in onboarding or advance underwriting — bank-link verification is via Plaid, not the credit bureaus.
On the Earnings tab, link the bank account that 1099 clients pays into. Plaid pulls the deposit history and Kronos auto-tags 1099 clients payouts going forward.
Banking and pay advances are available in all 50 states. Crypto trading is gated to states where partner Bridge holds money-transmitter coverage; the current denylist is conservative (NY, HI, TX, LA, WA, VT, NH, AL).