Built around the cadence of how freelancers get paid. Gig earnings tracking, 2.5% APY on savings, $0 fee on 30+ cryptos, early direct deposit, and a cashback debit card — all in a single iOS app.
| Product | Free | Kronos Pro ($9.99/mo) |
|---|---|---|
| Early direct deposit | Eligible deposits | Eligible deposits · priority support |
| 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 freelancers. The Earnings tab 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.
Kronos auto-tags income from 1099 clients, Stripe, PayPal, ACH, tracks earnings history, supports early direct deposit for eligible deposits, and keeps savings, crypto, and card spend in one app.
Kronos does not charge interest for its banking, savings, or crypto tools. No credit check is required for onboarding — verification is via Plaid IDV, 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 savings are available in all 50 states. Crypto trading is gated to states where our partners hold money-transmitter coverage; the current denylist is conservative (NY, HI, TX, LA, WA, VT, NH, AL).