New Mexico residents on Kronos Pro earn 2.5% APY on the entire savings balance, FDIC-insured via partner banks. No minimum, no monthly fee, no lockup.
Kronos Pro pays 2.5% APY on the full balance to New Mexico residents — no $1,000 direct-deposit gate, no balance cap, no lockup window. USD balances flow to FDIC-insured partner banks via Bridge.xyz; standard FDIC limits per partner bank apply. Free tier earns the standard rate. The savings balance is the same balance the cashback debit card spends from, so there is no internal "transfer to checking" friction when you actually need the money.
Yes. Kronos savings is available to New Mexico residents 18+ who pass identity verification.
Yes. Kronos enforces an 18+ age gate at signup (validateDOB). This is required for any US fintech offering deposit accounts.
Free tier: $250. Kronos Pro ($9.99/month): $1,000. Cap is the same in every US state where banking is available.
Yes. 2.5% APY for Kronos Pro members nationwide; standard rate for free tier.
Join the waitlist at https://getkronos.io/waitlist. Onboarding takes about three minutes including Plaid identity verification.
USD balances are FDIC-insured via partner banks through Bridge.xyz, up to standard federal limits per partner bank. Crypto is not FDIC-insured at any provider.