Built around the cadence of how musicians 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 musicians. The pay-advance underwriting reads Spotify for Artists, Bandcamp, Stripe 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 Spotify for Artists 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 Spotify for Artists pays into. Plaid pulls the deposit history and Kronos auto-tags Spotify for Artists 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).