Chime上市引爆资本狂欢，早期投资者67倍回报

Core Insights - Chime, a digital bank focused on serving low-income Americans, is set to go public on June 12 with a valuation exceeding $11 billion, marking a significant rise from its early struggles with venture capital rejection [1][3] Company Overview - Founded in 2013 and headquartered in San Francisco, Chime primarily targets users with monthly incomes below $100,000, offering features like no-fee accounts and early paycheck access [3] - As of March 2025, Chime has 8.6 million active members, representing a 23% growth from 2024, with 67% of members using it as their primary account [3] - The company introduced a small loan product, MyPay, in 2023, contributing 12% to its revenue in the first quarter [3] Investment Landscape - Early investors, such as Crosslink Capital, have seen substantial returns, with a $6.4 million investment in 2014 now valued at approximately $430 million [3] - PivotNorth Capital sold its shares in 2019 for a nearly 100-fold return at a valuation of around $60 billion [3] - However, later investors like Sequoia Capital and SoftBank, who invested at a peak valuation of $25 billion in mid-2021, are currently facing significant losses due to inflated valuations during the pandemic [4]