Kronos for Instacart Shoppers

Kronos auto-detects your Instacart deposits and unlocks provider-dependent deposit timing where available before the Wednesday payout — no $0.50 fee. Download Kronos on the App Store.

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feature set

Up to on Kronos Pro. Free tier up to. No credit check.

Crypto trading

supported digital assets where enabled

BTC, ETH, SOL, and multiple others. provider-disclosed fees on Pro.

Savings savings rate

2.5%

Variable savings rate provider and protection details shown in the relevant agreement.

card access preview card

provider-disclosed fees

card access preview, card access preview on request. card access preview on every swipe.

How Kronos fits a Instacart workflow

Instacart payout model: Weekly direct deposit every Wednesday, or Instant Cashout for $0.50 per cashout.

Typical earnings: Full-service Instacart Shoppers earn $12–$22 per hour including tips.

Where it hurts: Customers can reduce or zero out tips after delivery. Instant Cashout fees stack up.

What Kronos adds: Kronos sits next to your existing Instacart income flow. You link the bank account Instacart deposits into — Kronos reads the deposits and underwrites an cashflow against them. Earnings tools settle to your Kronos deposit account or your linked bank, your choice. Repayment is automatic on your next Instacart payout.

Why Instacart Shoppers are joining

Up to provider-dependent deposit timing where available on Pro — 4× the free-tier cap. No interest.
provider-disclosed digital-asset fees where enabled on Pro — stack sats or SOL between shifts.
a provider-disclosed rate where available on savings — your emergency fund actually earns.
card access preview debit card — earn on gas, food, and gear.
No credit check, no minimum balance, no monthly fee on the free tier.
FDIC insured via partner banks. Compliance status available from the relevant authority.

FAQ — Instacart × Kronos

Does Kronos work with Instacart?

Yes. Kronos connects to your linked bank account via Plaid and automatically detects direct deposits from Instacart. Instacart Shoppers on our waitlist can claim 1 free month of Kronos Pro at launch.

How much can I borrow as a Instacart Shopper?

Up to on the free tier and up to on Kronos Pro. The amount is underwritten against your verified Instacart deposit history. No credit check. No interest on Pro.

How is this different from Instacart's built-in instant pay?

Customers can reduce or zero out tips after delivery. Instant Cashout fees stack up. Kronos is a separate banking app — your Instacart earnings still land in your bank as usual, and Kronos reads the deposits to unlock larger earnings tools ahead of the next payout, with no per-cashout fee.

Can I still use my existing bank account?

Yes. You can link your current bank to Kronos, or open a Kronos deposit account alongside it. Both work.

Is Kronos FDIC insured?

Yes. Kronos deposits are held through FDIC-insured banking partners via our our banking partner integration. Kronos is registered with FinCEN.

Does Kronos charge interest on earnings tools?

No. Earnings tools are not loans. There's no interest on Kronos Pro. Fees are disclosed upfront on every cashflow.

Kronos for Instacart Shoppers

How Kronos fits a Instacart workflow

Why Instacart Shoppers are joining

FAQ — Instacart × Kronos

Built for Instacart Shoppers.