Im not an expert but given its matte, i dont think theres any “paint” to chip so youre looking at a carbon chip.
It either looks like scratches or you tore through the first layer. Iirc someone on reddit said the bottom bracket is the most reinforced area (which makes sense) so chances are thats cosmetic due to the high layup in the bb area. If yoy want to still ride with it, inspect it after every ride or so and see if theres any growth of cracks or anything, if not, apply nail polish and or uv protectant.