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Schedule 13G: DST Entities Hold 52.27M Chime Shares (15.7%)

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
SCHEDULE 13G

Rhea-AI Filing Summary

Chime Financial, Inc. received a Schedule 13G reporting that a group of related DST entities and affiliates beneficially own 52,268,715 shares of Class A common stock, representing 15.7% of the 332,239,249 shares reported outstanding. The filing lists multiple reporting persons across a DST structure (advisors, managers, partnerships, and holding companies) and identifies Despoina Zinonos as the ultimate owner with voting and dispositive power over the shares. All reported shares are shown as sole voting and sole dispositive power by the reporting persons. The Schedule 13G was filed in relation to the June 30, 2025 event and signatures are dated August 14, 2025.

Positive

  • Material disclosed stake: Reporting persons collectively beneficially own 52,268,715 shares (15.7% of Class A).
  • Clear ownership chain: The filing documents the chain from funds to ultimate owner (Despoina Zinonos), improving transparency.
  • Sole voting/dispositive power: All reported shares are shown with sole voting and sole dispositive power, clarifying control.

Negative

  • None.

Insights

TL;DR: A coordinated DST group holds a material 15.7% stake in Chime, concentrated in sole voting/dispositive holdings.

The filing shows a substantial passive ownership position by affiliated DST entities totaling 52,268,715 Class A shares, based on 332,239,249 shares outstanding. Holdings are reported with sole voting and dispositive power, indicating direct control over voting and disposition for those shares. For investors, a >5% position from a single group is material because it represents a concentrated ownership block that could influence corporate actions if converted to active engagement; however, the Schedule 13G form indicates a passive investor filing rather than an active 13D activism filing. All figures and relationships are explicitly documented in the filing.

TL;DR: The ownership chain reveals centralized control within a holding structure ultimately controlled by Despoina Zinonos.

The statement maps an ownership/control chain: DST Global Advisors Ltd wholly owns the manager entities, Cardew Services Ltd wholly owns the advisor, Galileo (PTC) Ltd wholly owns Cardew, and Despoina Zinonos is the sole equity owner of Galileo (PTC) Ltd. The filing reports that these entities may be deemed to beneficially own the aggregated stake and explicitly attributes voting and dispositive powers to them. This organizational detail is important for governance transparency and for understanding which legal entities would be relevant in any shareholder engagement or disclosure context.






Check the appropriate box to designate the rule pursuant to which this Schedule is filed:
Rule 13d-1(b)
Rule 13d-1(c)
Rule 13d-1(d)






SCHEDULE 13G




Comment for Type of Reporting Person: * The percentage is calculated based on 332,239,249 shares of Class A common stock, par value $0.0001 per share, of the Issuer ("Class A Common Stock"), reported to be outstanding in the Issuer's Form 424(b)(4) filed with the Securities and Exchange Commission on June 12, 2025.


SCHEDULE 13G




Comment for Type of Reporting Person: * The percentage is calculated based on 332,239,249 shares of Class A Common Stock, reported to be outstanding in the Issuer's Form 424(b)(4) filed with the Securities and Exchange Commission on June 12, 2025.


SCHEDULE 13G




Comment for Type of Reporting Person: * The percentage is calculated based on 332,239,249 shares of Class A Common Stock, reported to be outstanding in the Issuer's Form 424(b)(4) filed with the Securities and Exchange Commission on June 12, 2025.


SCHEDULE 13G




Comment for Type of Reporting Person: * The percentage is calculated based on 332,239,249 shares of Class A Common Stock, reported to be outstanding in the Issuer's Form 424(b)(4) filed with the Securities and Exchange Commission on June 12, 2025.


SCHEDULE 13G




Comment for Type of Reporting Person: * The percentage is calculated based on 332,239,249 shares of Class A Common Stock, reported to be outstanding in the Issuer's Form 424(b)(4) filed with the Securities and Exchange Commission on June 12, 2025.


SCHEDULE 13G




Comment for Type of Reporting Person: * The percentage is calculated based on 332,239,249 shares of Class A Common Stock, reported to be outstanding in the Issuer's Form 424(b)(4) filed with the Securities and Exchange Commission on June 12, 2025.


SCHEDULE 13G




Comment for Type of Reporting Person: * The percentage is calculated based on 332,239,249 shares of Class A Common Stock, reported to be outstanding in the Issuer's Form 424(b)(4) filed with the Securities and Exchange Commission on June 12, 2025.


SCHEDULE 13G




Comment for Type of Reporting Person: * The percentage is calculated based on 332,239,249 shares of Class A Common Stock, reported to be outstanding in the Issuer's Form 424(b)(4) filed with the Securities and Exchange Commission on June 12, 2025.


SCHEDULE 13G




Comment for Type of Reporting Person: * The percentage is calculated based on 332,239,249 shares of Class A Common Stock, reported to be outstanding in the Issuer's Form 424(b)(4) filed with the Securities and Exchange Commission on June 12, 2025.


SCHEDULE 13G




Comment for Type of Reporting Person: * The percentage is calculated based on 332,239,249 shares of Class A Common Stock, reported to be outstanding in the Issuer's Form 424(b)(4) filed with the Securities and Exchange Commission on June 12, 2025.


SCHEDULE 13G




Comment for Type of Reporting Person: * The percentage is calculated based on 332,239,249 shares of Class A Common Stock, reported to be outstanding in the Issuer's Form 424(b)(4) filed with the Securities and Exchange Commission on June 12, 2025.


SCHEDULE 13G




Comment for Type of Reporting Person: * The percentage is calculated based on 332,239,249 shares of Class A Common Stock, reported to be outstanding in the Issuer's Form 424(b)(4) filed with the Securities and Exchange Commission on June 12, 2025.


SCHEDULE 13G




Comment for Type of Reporting Person: * The percentage is calculated based on 332,239,249 shares of Class A Common Stock, reported to be outstanding in the Issuer's Form 424(b)(4) filed with the Securities and Exchange Commission on June 12, 2025.


SCHEDULE 13G



DST Global Advisors Ltd
Signature:/s/ Despoina Zinonos
Name/Title:Despoina Zinonos, President
Date:08/14/2025
DST Managers VI Ltd
Signature:/s/ Despoina Zinonos
Name/Title:Despoina Zinonos, President
Date:08/14/2025
DST Managers VII Ltd
Signature:/s/ Despoina Zinonos
Name/Title:Despoina Zinonos, President
Date:08/14/2025
DST Global VI, L.P.
Signature:By: DST Managers VI Ltd, its General Partner By: /s/ Despoina Zinonos
Name/Title:Despoina Zinonos, President
Date:08/14/2025
DST Investments XXI, L.P.
Signature:By: DST Managers VI Ltd, its General Partner By: /s/ Despoina Zinonos
Name/Title:Despoina Zinonos, President
Date:08/14/2025
DSTG VI Investments, L.P.
Signature:By: DST Managers VI Ltd, its General Partner By: /s/ Despoina Zinonos
Name/Title:Despoina Zinonos, President
Date:08/14/2025
DSTG VI Investments-A, L.P.
Signature:By: DST Managers VI Ltd, its General Partner By: /s/ Despoina Zinonos
Name/Title:Despoina Zinonos, President
Date:08/14/2025
DST Global VII, L.P.
Signature:By: DST Managers VII Ltd, its General Partner By: /s/ Despoina Zinonos
Name/Title:Despoina Zinonos, President
Date:08/14/2025
DSTG VII Investments-1, L.P.
Signature:By: DST Managers VII Ltd, its General Partner By: /s/ Despoina Zinonos
Name/Title:Despoina Zinonos, President
Date:08/14/2025
DSTG VII Investments-4, L.P.
Signature:By: DST Managers VII Ltd, its General Partner By: /s/ Despoina Zinonos
Name/Title:Despoina Zinonos, President
Date:08/14/2025
Galileo (PTC) Ltd
Signature:/s/ Despoina Zinonos
Name/Title:Despoina Zinonos, President
Date:08/14/2025
Cardew Services Ltd
Signature:/s/ Despoina Zinonos
Name/Title:Despoina Zinonos, President
Date:08/14/2025
Despoina Zinonos
Signature:/s/ Despoina Zinonos
Name/Title:Despoina Zinonos
Date:08/14/2025

FAQ

How many Chime (CHYM) Class A shares does the DST group report owning?

The reporting persons state they beneficially own 52,268,715 shares of Class A common stock, equal to 15.7% of the 332,239,249 shares reported outstanding.

What form was filed to disclose the DST group's stake in Chime (CHYM)?

The group filed a Schedule 13G under the Securities Exchange Act of 1934 to report the holdings related to the June 30, 2025 event.

Who is identified as the ultimate owner or controller of the DST reporting entities?

The filing identifies Despoina Zinonos as the sole equity owner of Galileo (PTC) Ltd and states she has voting and dispositive power over the shares held by the DST funds.

Are the reported shares listed as sole or shared voting/dispositive power?

All reported shares for the reporting persons are listed with sole voting power and sole dispositive power, and 0 shared voting or dispositive power.

What filing date and signature date appear on the Schedule 13G?

The Schedule 13G references the June 30, 2025 event; the signatures on the filing are dated 08/14/2025.
Chime Financial, Inc.

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8.21B
277.10M
Software - Application
Finance Services
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United States
SAN FRANCISCO