The Problem
If you are a gig worker who wants pay advances AND crypto trading, you have historically needed two separate apps. Dave, Earnin, and Brigit handle advances but offer zero crypto. Coinbase and Kraken handle crypto but offer zero advances. Only a handful of apps try to do both. We ranked them.
The Comparison
| App | Advance Limit | Crypto | Coins | Crypto Fees | Savings APY |
|---|---|---|---|---|---|
| Kronos | $1,000 | Yes | 30+ | $0 (Kronos+) | 2.5% |
| Cash App | Borrow (limited) | Yes | 1 (BTC) | Spread | None |
| SoFi | Overdraft only | Yes | 20+ | Varies | 4.5% |
| Dave | $500 | No | 0 | N/A | None |
| Earnin | $100-750 | No | 0 | N/A | None |
| Brigit | $250 | No | 0 | N/A | None |
1. Kronos — Best Combo of Advances + Crypto
Kronos is the only app that meaningfully combines both features. You get advances up to $1,000 based on gig earnings (no credit check, no interest for Kronos+ members) alongside 30+ cryptocurrencies with zero trading fees. Plus banking features: 2.5% APY savings, virtual debit card, Apple Pay, free P2P transfers, and automatic gig earnings tracking from Uber, DoorDash, and Lyft.
Best for: Gig workers who want everything in one app.
2. Cash App — Simplest Option
Cash App offers Borrow (small cash advances for qualifying users) and Bitcoin trading. But it only supports one cryptocurrency, charges hidden spread markup, and Borrow is not available to all users with limited amounts. Good for basics, but limited.
Best for: People who only want Bitcoin and basic P2P.
3. SoFi — Best Established Brand
SoFi offers overdraft protection (not a true advance) and crypto trading on 20+ coins. The checking account earns an impressive 4.5% APY. Crypto fees exist but are not the worst. However, there is no real pay advance feature — just overdraft coverage.
Best for: People who prioritize savings APY over advances.
4-6. Dave, Earnin, Brigit — Advances Only
Dave offers advances up to $500 and is well-established in the advance space. Earnin lets you access up to $750 of your earned wages early. Brigit offers up to $250. All three are solid for what they do — but none of them offer any crypto trading at all. If you want crypto, you need a second app.
The Gap in the Market
There is a genuine gap: most fintech apps specialize in either advances OR crypto, not both. Kronos is specifically designed to fill this gap by combining gig-worker-focused banking (advances, earnings tracking) with a full crypto trading platform (30+ coins, zero fees). No other app on this list does both at the same level.
Bottom line: If you want advances AND crypto, Kronos is the only app that does both well. Dave and Earnin are better established for pure advances. SoFi has the best savings APY. But nobody else combines $1,000 advances with 30+ zero-fee cryptos.
Also read: 10 Best Neobank Crypto Platforms 2026 | Kronos vs Cash App | Best Finance App for Gig Workers
Advances + Crypto in One App
Up to $1,000 advances. 30+ cryptos. Zero fees. Built for gig workers.