How big a deal is NU applying for a US bank charter?

Based on this link it looks like NU is looking to expand into the United States. Is this going to accelerate their user growth and average per per user (ARPU)?

Also, what does this mean for CHYM (who i believe also targets the underbanked). Their stock hasnt really moved much aftet NU announced this on Tuesday after the market close

Link to NU announcement: https://international.nubank.com.br/company/nubank-applies-for-u-s-national-bank-charter/