Is there an FDIC-insured crypto app?

FDIC does not insure crypto — not at Coinbase, not at Cash App, not anywhere. Here's what that actually means and how Kronos protects both sides of your balanc…

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What makes Kronos the answer

Cash is FDIC-insured

USD balances in Kronos are FDIC-insured through our banking partner partner banks up to k per depositor, per insured bank.

Crypto is non-custodial

Your BTC, ETH, SOL live in your own on-device Kronos wallet. You hold the keys; Kronos never holds your crypto. Buy/sell rails are powered by our banking partner, a licensed money transmitter.

Never commingled

Cash and crypto balances are segregated. If the crypto market crashes, your FDIC-insured cash is untouched.

Disclosure throughout the app

Every screen that shows a crypto balance labels it as not FDIC-insured.

Deeper reading

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FAQ

Is any crypto FDIC insured?
No. FDIC insurance covers bank deposits only. Crypto is not a deposit — it is a separate asset class. No crypto at any provider (including Coinbase, Cash App, Robinhood, Kraken, Kronos) is FDIC-insured.
Is cash at a crypto app FDIC insured?
At some, yes. Kronos cash balances are FDIC-insured through our banking partner partner banks. Coinbase USD is held in FDIC-insured omnibus accounts. Cash App USD is similarly covered through Sutton Bank.
What happens to my crypto if Kronos shuts down?
Kronos is non-custodial — your crypto lives in your own on-device wallet, not on Kronos's balance sheet. You hold the keys. Even if Kronos disappeared tomorrow, you can import the wallet seed into any compatible wallet (MetaMask, Phantom, Trust Wallet, etc.) and your coins are still yours.

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