Operator syndicate · Early-stage fintech

Operator-led investing in early-stage fintech.

We’re Chime alumni and fintech operators backing the founders building the future of money.

PitchRead the field guide ↗

Purpose

By operators. For operators.

A community of entrepreneurs, investors, and operators helping ambitious fintech startups move earlier and smarter.

01

Our members bring operating experience across growth, product, engineering, operations, and finance.

02

We aim to deliver the highest operator value per dollar invested through an active experience network.

03

We back exceptional founders of every background, with a special commitment to Chime alumni and the next generation of operators.

200+
Chime operators in the syndicate
60%
have scaled startups from 0 to 100 employees
73%
have managed teams of 10 or more
$2.5M
annual investing capacity

Principles

The thesis, in three tenets.

  1. 01Aligned incentives

    We invest in startups that profit alongside users rather than from them.

  2. 02Trust and loyalty

    We invest in products that earn deep user loyalty, engagement, and trust.

  3. 03Fair by design

    We invest in transparent, fair business models built to do well by doing good.

Portfolio

Time and money, invested together.

Companies backed by the 2 Days Early operator network.

01

Backpack

Modern 529 plan management for families and advisors.

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02

nfa.trade

A trading terminal that turns high-signal social posts into executable trades.

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03

Parrot

Automated investing that mirrors expert portfolios in an existing brokerage account.

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04

Hadrius

AI-powered compliance infrastructure for SEC and FINRA regulated firms.

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05

Highbeam

Modern banking and AI-powered financial intelligence for consumer brands.

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06

Campus

An accredited online community college expanding access to live higher education.

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07

Coast

Commercial cards and expense management built for fleet operators.

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08

Keep

Business banking, cards, expenses, and growth capital for Canadian companies.

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09

Uno Wallet

A smart wallet that helps consumers pick the best rewards card for every purchase.

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10

Sundae

A fair off-market home sale marketplace for homeowners and property investors.

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11Markup

Waldo

AI-powered treasury management for startups.

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12Markup

Instaswitch

Automated business bank switching across income, payroll, spend, and vendors.

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Partners

Built by people who have operated.