周四上市，Chime是美国穷人的“支付宝”和“花呗”

Group 1 - Chime, a digital bank serving low-income Americans, is set to go public on June 12 with a valuation exceeding $11 billion, marking a significant turnaround from being rejected by over 200 venture capitalists a decade ago [1][2] - The company has grown its active user base to 8.6 million as of March 2025, a 23% increase from 2024, with 67% of members using it as their primary account [2][3] - Early investors like Crosslink Capital have seen substantial returns, turning a $6.4 million investment into approximately $430 million, while others like PivotNorth Capital achieved nearly 100 times their investment [3][5] Group 2 - Chime offers features such as no-fee accounts and early paycheck access, addressing urgent financial needs for low-income users, similar to services provided by platforms like Alipay and Huabei [2][3] - The valuation of Chime has been contentious, with estimates ranging from $6 billion to $21 billion depending on whether it is viewed as a true disruptor in banking or merely a fee collector [6][7] - The company experienced explosive growth during the pandemic, with revenues doubling to around $600 million, leading to inflated valuations that have since come under scrutiny [5][6]