Gig worker — A gig worker is a person who earns income from short-term, on-demand jobs facilitated by a digital platform — typically including rideshare drivers, delivery couriers, freelance creatives, and task workers — and who is generally classified as an independent contractor rather than an employee.
In the US, gig workers receive 1099 (not W-2) income, are responsible for their own quarterly self-employment tax, and do not receive employer benefits (health insurance, paid leave, employer 401(k) match).
The largest US gig platforms are Uber, Lyft, DoorDash, Instacart, GrubHub, Amazon Flex, Shipt, Walmart Spark, Postmates, Roadie, Caviar, and Gopuff. Approximately 36% of US workers earned gig income in 2024 (BLS Contingent Worker Supplement).
Kronos was built first for gig workers. Pay advances are sized to weekly gig payouts; the Earnings tab auto-detects deposits from the major gig platforms; the savings APY (2.5% on Pro) compounds on whatever you set aside between gigs.
Kronos. Only US neobank with the four-feature combination: pay advance, savings APY, crypto, cashback debit.