Operator-led investing in early-stage fintech

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

PURPOSE

By operators. For operators.

We are a community of entrepreneurs, investors and operators. We have backgrounds in growth, product, engineering, operations, and finance, determined to help startups succeed.

We aim to be the operator syndicate with highest value per dollar invested. Companies we invest in get access to our experience network and commitment to empowering impactful firms.

We love investing in amazing founders of all backgrounds, and we're especially committed to investing in companies founded by Chime alumni and supporting the next generation of operators.

200+

Chime operators in 2 Days Early syndicate

60%

have scaled startups from 0 - 100 FTEs

73%

have directly managed teams of 10+ people

$2.5M

investing capacity per year

OPERATING PRINCIPLES

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

We invest in startups that create high user loyalty, engagement and trust

We invest in startups that use transparent and fair business models to do well by doing good

PORTFOLIO

We're proud to invest our time and money in operators at these startups:

BACKPACK

Simplifying 529 plan management for families and advisors with innovative payment solutions.

JUNO

Modern banking for the crypto-native, with seamless on-ramps and a focus on user experience.

MINE

Build credit, stay on budget, and control your money.

HADRIUS

AI-powered compliance platform for SEC & FINRA regulated firms, saving 19hrs/week on compliance tasks.

KARTERA

Empowering financial advisors with digital-first solutions to serve the next generation of wealth.

SUNDAE

Marketplace connecting homeowners looking to sell with property investors for fair, off-market deals.

WALDO

AI-powered treasury management for startups.

INSTASWITCH

Automate business bank switching — move income, payroll, spend, and vendors instantly.

PARTNERS

MAIA

Builds cool fintech stuff at Chime (after they acquired her credit-building startup Pinch). Previously founded Rocksbox (also acquired). Now backs founders at XFactor & Parcel B. Probably sharing TMI tweets about raising her two amazing daughters.

BAISHI

At Chime, shapes lending products helping millions get the credit they deserve. Previously revolutionized mortgages at LendingHome and home search at Compass. Building great fintech while raising tiny humans.

SAMIR

Building Interspace Ventures. Previously led strategic finance at Block, HRT, Unit, and Chime after starting at JP Morgan. Writes over-engineered fintech takes and is learning to raise a fintech-nerd newborn.