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Condo – Chime

CHIME

Founded: 2012 Headquarters: San Francisco, USA CEO: Chris Britt

Chime’ s founders, Chris Britt and Ryan King, rejected the traditional banking model of profiting from financial hardship. They built a feefree alternative for Americans living paycheque to paycheque, offering early wage access and automated savings. With eight million users and US $ 8bn in monthly transactions, they’ ve proved ethical banking scales profitably. The company’ s revenue comes from merchant interchange fees rather than overdraft penalties. Features like SpotMe overdraft protection and Credit Builder actively strengthen customers’ financial health.

Chris Britt, CEO, Chime

56 August 2025