Short answer: Found is business banking for the self-employed — bookkeeping, automated tax withholding, invoicing. Kronos is personal money for gig workers — $1,000 0% APR advance, 2.5% APY savings, zero-fee crypto, USDB conversion. Different problems, different tools.
Found is a business checking account for the self-employed. It auto-categorizes expenses, withholds estimated taxes by sweeping a percentage of every deposit into a tax bucket, invoices clients, and produces clean Schedule C books at year-end. It is one of the best products on the market if you operate as an LLC or sole prop and want bookkeeping handled in the background.
Kronos solves the personal-finance side of gig work. Pro at $9.99/mo on web ($13.99 in-app) ships a $1,000 0% APR pay advance, 2.5% APY savings on the full balance, zero-fee crypto on 30+ coins via licensed partner Bridge, and USDB conversion that auto-flips gig income to digital dollars. There is essentially no overlap between the two — Found does not lend, does not pay APY, and does not support crypto. Kronos does not produce books.
| Feature | Kronos | Found |
|---|---|---|
| Free tier | Yes — banking, savings, crypto buy/sell, gig tracker | Yes — Found Lite (basic checking + bookkeeping) |
| Paid plan | Pro: $9.99/mo (web) or $13.99/mo (in-app) | Found Plus: $19.99/mo or $149.99/yr |
| Pay advance fee | $0 origination, 0% APR up to $1,000 (Pro) | n/a — no advance product |
| Crypto trading fee | $0 platform fee on Pro (network/spread only) | n/a — no crypto |
| Monthly account fee | $0 on free tier | $0 on Found Lite |
| Hidden fees | None disclosed; tipping disabled | None disclosed |
| Feature | Kronos | Found |
|---|---|---|
| Pay advance | Up to $1,000 at 0% APR (Pro) | Not offered |
| Savings APY | 2.5% on full balance (Pro) | Not offered as headline product |
| Debit card | Card issuer in flight (4 applications out) | Yes — business debit card |
| Crypto | 30+ coins, $0 platform fee on Pro, non-custodial | Not offered |
| Stablecoin/USDB | Auto-convert gig income to USDB | Not offered |
| Automated tax withholding | Tax estimator only (no auto-sweep) | Yes — auto-sweeps tax % off each deposit |
| Bookkeeping | Light — gig earnings tracker | Full — Schedule C-ready expense categorization |
| Invoicing | Not offered | Yes — built in |
| Business checking | Personal banking model | Yes — purpose-built for sole prop / LLC |
| Gig income tracker | Multi-app earnings + tax estimator | General self-employed bookkeeping |
| Referral payout | +3 days Pro per friend (cap 12) plus $15 cash for first 3 friends post-launch | Standard refer-a-friend |
Different problems. Found is the right tool if you operate as an LLC or sole prop and need clean books and tax automation. Kronos is the right tool for personal liquidity, savings APY, and crypto. Many gig workers use both.
Found Plus: $19.99/mo or $149.99/yr. Kronos Pro: $9.99/mo (web) or $13.99/mo (in-app). Kronos is roughly half the price.
No. No advance product and no crypto. Both are Kronos-only between these two products.
Not at the same depth. Kronos has a gig tax estimator and multi-app earnings tracker. Found has full Schedule C-ready bookkeeping and invoicing.
Yes. Found for the business side (LLC books, tax withholding, invoicing). Kronos for the personal side (advance, savings APY, crypto, USDB).
No. Bridge is the licensed buy/sell partner; assets settle to a non-custodial wallet you own.