Short answer: Lili is freelancer-focused business banking with invoicing, tax buckets, and expense categorization. Kronos is liquidity-and-banking for gig workers — $1,000 0% APR advance, 2.5% APY savings, zero-fee crypto, USDB conversion. Lili wins on invoicing; Kronos wins on cash, yield, and crypto.
Lili is a banking-and-tax app for freelancers and the self-employed. Its paid tiers add invoicing, expense categorization, tax buckets that auto-sweep a percentage of deposits, and accounting exports. It is a good fit if your gig is closer to freelance consulting than rideshare — a creative, service provider, or contractor sending invoices to clients.
Kronos is built for the rideshare-and-delivery side of gig work, where income arrives via Uber, Lyft, DoorDash, Instacart, Spark, or Amazon Flex deposits. 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.
| Feature | Kronos | Lili |
|---|---|---|
| Free tier | Yes — banking, savings, crypto buy/sell, gig tracker | Yes — Lili Basic |
| Entry paid plan | Pro: $9.99/mo (web) or $13.99/mo (in-app) | Lili Pro: ~$15/mo |
| Higher tiers | n/a — single Pro tier | Lili Smart ~$35/mo, Lili Premium ~$55/mo |
| Pay advance fee | $0 origination, 0% APR up to $1,000 (Pro) | Small advance feature on paid tiers; lower cap |
| Crypto trading fee | $0 platform fee on Pro (network/spread only) | n/a — no crypto |
| Hidden fees | None disclosed; tipping disabled | None disclosed |
| Feature | Kronos | Lili |
|---|---|---|
| Pay advance | Up to $1,000 at 0% APR (Pro) | Smaller cap on paid tiers |
| Savings APY | 2.5% on full balance (Pro) | APY available on paid tiers (terms vary) |
| Debit card | Card issuer in flight (4 applications out) | Yes — Visa Business debit |
| Crypto | 30+ coins, $0 platform fee on Pro, non-custodial | Not offered |
| Stablecoin/USDB | Auto-convert gig income to USDB | Not offered |
| Invoicing | Not offered | Yes — flagship feature on paid tiers |
| Tax buckets | Tax estimator only (no auto-sweep) | Yes — auto-sweeps tax % off each deposit |
| Expense categorization | Light — gig earnings tracker | Yes — Schedule C-ready |
| Accounting exports | Limited | Yes — QuickBooks, CSV, tax prep formats |
| 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 |
Lili is the right tool if your gig looks like freelancing — invoices, clients, contracts. Kronos is the right tool if your gig looks like rideshare or delivery — Uber, Lyft, DoorDash, Instacart, Spark, Amazon Flex deposits and a need for cash between gigs.
Lili: Basic free, Pro ~$15/mo, Smart ~$35/mo, Premium ~$55/mo. Kronos Pro: $9.99/mo (web) or $13.99/mo (in-app). Kronos is the cheapest paid tier in this comparison.
Lili has a small advance feature on paid tiers but the cap is materially lower than Kronos's $1,000 0% APR Pro advance. Lili has no crypto.
No invoicing on Kronos. Kronos has a tax estimator but does not auto-sweep tax dollars off deposits the way Lili does.
Yes. Lili for invoicing and Schedule C books, Kronos for personal liquidity, savings APY, crypto, and USDB.
No. Bridge is the licensed buy/sell partner; assets settle to a non-custodial wallet you own.