Stakk Ltd (ASX:SKK) Announces Master Services Agreement with Chime Financial Inc.

Stakk Ltd (ASX:SKK), an ASX technology company, has announced the execution of a Master Services Agreement with U.S. fintech entity Chime Financial Inc (NASDAQ:CHYM). This fintech partnership positions Stakk as a vendor for specific deposit acceptance methods utilised by Chime’s extensive customer base, which exceeds 22 million individuals. The Stakk Chime embedded finance partnership represents a significant validation of Stakk’s infrastructure capabilities and is anticipated to deliver revenue impact from November 2025.

How Will the Stakk Ltd ASX:SKK Chime Agreement Impact Revenue?

The revolving-term Master Services Agreement designates Stakk as an infrastructure provider for Chime, which operates with a $7 billion market capitalisation on NASDAQ. Under the agreement, Chime will integrate components of Stakk’s Embedded Finance solution, known as Stakk IQ, to facilitate particular deposit acceptance methods across its digital banking platform.

Revenue generation is expected to commence immediately upon activation, with initial payments anticipated in Stakk’s profit and loss statement by November 2025. This timeline is projected to ensure the company remains on track to achieve its targeted $8 million annualised recurring revenue (ARR) by the conclusion of the calendar year.

The agreement incorporates a dual revenue structure. This combines monthly platform fees with usage-based transaction charges. This model is designed to create both predictable income streams and scalable upside potential. Each interaction by a Chime user with service functionality powered by Stakk is expected to incur transaction fees, establishing a direct correlation between user engagement and revenue growth.

What Are the Stakk IQ Capabilities for Fintech Platforms?

Stakk IQ constitutes specialised embedded finance infrastructure designed for integration by financial institutions. It provides plug-and-play services, reducing the need for internal development of specific capabilities. The platform focuses on document-intensive financial processes, requiring adherence to compliance standards, fraud prevention, and seamless user experience delivery.

For Chime, Stakk will supply mobile image capture, image authentication, optical character recognition (OCR), and document/data orchestration capabilities. These services enable Chime’s customers to photograph documents through the banking application, verify document legitimacy automatically, extract text data, and manage complex workflows. This is performed whilst maintaining regulatory compliance and fraud resilience.

Furthermore, the Stakk Chime embedded finance partnership is reported to address operational challenges that specialised providers like Stakk can resolve at scale. The embedded finance market is projected to reach $230 billion by 2025. Within this market, document processing and authentication are identified as essential components for success in digital banking.

Core Stakk IQ Capabilities:

• Mobile Image Capture: Facilitates users photographing documents via banking applications.
• Authentication Technology: Automatically verifies document legitimacy and user identity.
• Optical Character Recognition (OCR): Systematically extracts and processes text from images.
• Document Orchestration: Manages complex document workflows and data routing processes.

The modular design of Stakk IQ supports rapid deployment across diverse use cases. This is achieved whilst maintaining the compliance and security standards required by regulated financial institutions. This adaptability creates multiple expansion pathways within existing partnerships.

Why Was Chime’s Selection of Stakk Significant for Embedded Finance Infrastructure?

Chime Financial, Inc. is a San Francisco-based financial technology company established in 2013. It operates as a digital banking platform, prioritising fee-free, mobile-first services intended to enhance financial accessibility for consumers. Chime operates through partnerships with FDIC-insured institutions, making specialised infrastructure essential for maintaining institutional-grade compliance and security standards.

The selection of Stakk by Chime is understood to validate several competitive advantages inherent in Stakk’s approach. According to Andy Taylor, Executive Director of Stakk: “Stakk continues to attract the attention of globally recognised brands – not because of a price differentiation, but rather its unique approach to delivering modern, intuitive, and essential capabilities that others find too uninteresting to build themselves.”

Selection Factors Include:

• Product-market fit addressing enterprise-grade security and compliance requirements.
• Scalable technology architecture capable of handling millions of concurrent users.
• Competitive differentiation extending beyond price-based competition.
• Ability to navigate complex enterprise sales cycles with public companies.

Taylor further noted: “Chime is one of the world’s most innovative and progressive financial technology leaders in our space. Being selected to deliver even a small – albeit uninteresting – part of their capabilities is a genuine honour, and a responsibility we take pride in meeting.”

What Are the Key Growth Indicators Ahead?

This Stakk Chime embedded finance partnership represents an important milestone in Stakk’s expansion strategy, with several immediate and medium-term development opportunities. The company’s established relationships with 210+ banks, credit unions, neobanks, and fintech platforms across Australia and the United States provide a foundation for continued growth. This latest ASX announcement provides an investor update regarding future revenue streams.

Immediate Indicators (Q4 2025):

• First Chime revenue recognition commencing November 2025.
• Progress assessment toward $8 million annualised ARR target.
• Potential service expansion discussions with existing tier-one clients.

Medium-Term Growth Opportunities:

• 12-month agreement renewal negotiations with current partners.
• Cross-selling additional Stakk IQ modules to the established client base.
• Market expansion into new embedded finance verticals and use cases.

This financial report on the Stakk-Chime collaboration highlights the modular nature of Stakk IQ, which enables rapid deployment across different use cases.

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