Kronos for Shipt Shoppers

Kronos detects Shipt deposits and unlocks early direct deposit before Friday payout — no $0.99 Instant Pay fee. Join the Kronos waitlist free.

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feature set
Up to on Kronos Pro. Free tier up to. No credit check.
Crypto trading
30+ coins
BTC, ETH, SOL, and 30+ others. Zero platform fees on Pro.
Savings APY
2.5%
Variable APY via FDIC-insured partner banks.
Cashback card
Zero fees
Virtual card at signup, physical card on request. Cashback on every swipe.

How Kronos fits a Shipt workflow

Shipt payout model: Weekly direct deposit every Friday, or Instant Pay for $0.99 per cashout (minimum $10).

Typical earnings: Shipt Shoppers earn $16–$22 per hour including tips.

Where it hurts: Tips are rated — poor ratings from rude customers drop your order rotation. Instant Pay fees add up.

What Kronos adds: Kronos sits next to your existing Shipt income flow. You link the bank account Shipt 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 Shipt payout.

Why Shipt Shoppers are joining

FAQ — Shipt × Kronos

Does Kronos work with Shipt?
Yes. Kronos connects to your linked bank account via Plaid and automatically detects direct deposits from Shipt. Shipt Shoppers on our waitlist can claim 1 free month of Kronos Pro at launch.
How much can I borrow as a Shipt Shopper?
Up to on the free tier and up to on Kronos Pro. The amount is underwritten against your verified Shipt deposit history. No credit check. No interest on Pro.
How is this different from Shipt's built-in instant pay?
Tips are rated — poor ratings from rude customers drop your order rotation. Instant Pay fees add up. Kronos is a separate banking app — your Shipt 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.

Built for Shipt Shoppers.

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

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