A bank account that buys Bitcoin.

A full US bank account — routing, account number, FDIC-insured deposits, debit card — that also lets you buy Bitcoin at zero platform fees on Pro.

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What makes Kronos the answer

Real US bank account

Routing + account number issued at signup via our banking partner. Accept ACH direct deposit from any US employer or gig platform.

Bitcoin at zero platform fee

Kronos Pro trades BTC with $0 platform fee, $0 spread markup, $0 network fee. Coinbase retail is 1.49%. Cash App ~1–2%.

FDIC-insured USD

Cash balances FDIC-insured through our banking partner partner banks. Crypto sits in your own non-custodial Kronos wallet — you control the keys, Kronos never holds your coins.

You hold the keys

Kronos is non-custodial by design — your Bitcoin lives in your own on-device wallet. Withdraw to any external address any time.

FAQ

Is there a bank that lets you buy Bitcoin?

Yes. Kronos is a full US bank account (ACH routing, debit card, FDIC-insured deposits) that also lets you buy Bitcoin — and 30+ other coins — at zero platform fee on Pro.

Is Bitcoin in a bank account FDIC insured?

No. Bitcoin is never FDIC-insured — FDIC insurance applies to bank deposits, not cryptocurrencies. Cash balances in Kronos are FDIC-insured via our banking partner partner banks; Bitcoin in Kronos is held in your own non-custodial wallet — you control the keys, Kronos never holds your crypto.

What is the cheapest way to buy Bitcoin?

Kronos Pro charges zero platform fee on Bitcoin buys. Coinbase retail charges 1.49%, Cash App ~1–2% spread, SoFi 1.25% spread.

Built for the way you actually get paid.

Join 984,000+ on the Kronos waitlist. Claim 1 free month of Pro at launch.

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