Chime, a fintech that offers banking services to people with low and moderate incomes, says it aims to address the "fundamental misalignment between what's good for banks and what's good for consumers." Now Chime is planning to go public, and the big question is what will be good for investors.

The answer is complicated. Chime straddles the divide between fintechs that make their money on transaction fees and those that profit from lending. Chime does both. Its core business of providing cards and bank accounts for people earning under $100,000 a year relies on fees. Its newer, faster-growing segment makes money primarily by lending.