ClawHub

Chime

v1.0.0

Chime offers fee-free digital banking with early direct deposit, SpotMe overdraft protection, automatic savings, and a secured Credit Builder card to 18M+ US...

⭐ 0· 51·0 current·0 all-time
by@hanxueyuan

Install

OpenClaw Prompt Flow

Install with OpenClaw

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Previewing Install & Setup.
Prompt PreviewInstall & Setup
Install the skill "Chime" (hanxueyuan/chime) from ClawHub.
Skill page: https://clawhub.ai/hanxueyuan/chime
Keep the work scoped to this skill only.
After install, inspect the skill metadata and help me finish setup.
Use only the metadata you can verify from ClawHub; do not invent missing requirements.
Ask before making any broader environment changes.

Command Line

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Use the direct CLI path if you want to install manually and keep every step visible.

OpenClaw CLI

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openclaw skills install chime

ClawHub CLI

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npx clawhub@latest install chime
Security Scan
Capability signals
CryptoCan make purchases
These labels describe what authority the skill may exercise. They are separate from suspicious or malicious moderation verdicts.
VirusTotalVirusTotal
Benign
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OpenClawOpenClaw
Benign
high confidence
✓
Purpose & Capability
The skill is a factual/company summary of Chime and its business — nothing in the package (no env vars, no binaries, no installs) conflicts with that stated purpose.
✓
Instruction Scope
SKILL.md contains only background, timeline, business model, and research 'read_when' contexts. It does not instruct the agent to read system files, use credentials, run commands, or transmit data to external endpoints.
✓
Install Mechanism
No install spec and no code files are present, so nothing will be written to disk or executed during install — lowest-risk pattern for a skill of this type.
✓
Credentials
The skill requires no environment variables, credentials, or config paths; requested privileges are proportionate (none) to the documented purpose.
✓
Persistence & Privilege
Flags show default invocation settings (not always:true). The skill does not request persistent presence or modify other skills or system settings.
Assessment
This skill appears to be a static reference sheet about Chime and is internally consistent. It does not ask for credentials or install software, so it is low-risk to enable. Before relying on any numbers or claims here, verify critical facts (customer counts, valuation, product specifics) against Chime's official communications or reputable financial reporting — the SKILL.md may be out of date or authored by an unknown source.

Like a lobster shell, security has layers — review code before you run it.

latestvk973mjcfn050msz8c4mvycw02585heh2
51downloads
0stars
1versions
Updated 2d ago
v1.0.0
MIT-0
@hanxueyuan
latest
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Chime

历史时间线

  • 2013: Chris Britt and Ryan King found Chime in San Francisco
  • 2014: Launches first checking account with no overdraft fees
  • 2018: Introduces SpotMe (fee-free overdraft), viral growth driver
  • 2019: Reaches 4M customers
  • 2021: Valued at $25B in funding round
  • 2022: Files for IPO (delayed due to market conditions)
  • 2023: Introduces secured credit builder card
  • 2024: 18M+ customers, on path to profitability

商业模式

Fee-free digital banking — no overdraft, monthly, or minimum balance fees. Revenue primarily from interchange fees (swipe fees from debit card transactions). Key features: early direct deposit (get paid up to 2 days early), SpotMe overdraft protection, automatic savings roundups, Credit Builder secured card.

护城河分析

Largest neobank customer base in the US creates scale advantages in interchange revenue. Emotional brand connection with underserved Americans frustrated by traditional bank fees. SpotMe feature is a powerful differentiator that competitors struggle to replicate.

关键数据

  • Founded: 2013, San Francisco, California
  • Customers: 18M+
  • Valuation: $25B (2021)
  • Employees: ~2,000
  • Key Features: SpotMe, Early Direct Deposit, Credit Builder

有趣事实

  • Chime's SpotMe feature allows fee-free overdraft up to $200 — a radical departure from traditional banks that charge $35+ per overdraft. This single feature drove millions of signups.
  • Chime is technically not a bank — it's a fintech company that partners with The Bancorp Bank and Stride Bank for FDIC-insured accounts.

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