Chime was built to help everyday Americans unlock financial progress with banking products and services that are helpful, easy, and free. That means delivering a simple, accessible financial experience. As its member base grew into the millions, expectations did not change. Experiences still needed to be fast, simple and built around real-life usage.

Supporting that level of growth required more than infrastructure. Chime was aiming to own more of its technology stack and it required a partner that had the flexibility to build alongside the business.

Behind that need was a clear set of priorities:

• Flexibility to support continuous product innovation
• Reliability at scale for everyday usage
• A foundation designed to adapt as the business expanded

Chime was not looking for a processor alone. The team needed a platform that could grow with them and support how quickly they build and launch new capabilities. That meant choosing a provider that could match their pace, stay closely aligned and help remove barriers as they scaled. Visa DPS delivered the scale and flexibility needed to support that next phase.

What began as a large, multi-year effort is now translating into meaningful business impact.

Chime is now able to:

• Launch new products faster
• Maintain greater control over how experiences are built and delivered
• Operate more efficiently as the business continues to scale

The foundation built with Visa DPS is designed to help Chime move faster, adapt more easily and continue improving how it serves its members.