Cambrian Fintech with Rex Salisbury

$70B Nubank Eyes US Banking (Co-Founder Reveals Strategy)

Fri, 05 Dec 2025 00:00:00 -0800

My Fintech Newsletter for more interviews and the latest insights:

↪︎ https://rexsalisbury.substack.com/

In this episode, Nubank co-founder Christina shares how they built a $70B fintech giant serving 99M users—60% of Brazil's primary banking relationships. From launching Brazil's first purple credit card to surviving regulatory crises, conquering Mexico/Colombia, and now applying for a US bank charter. She reveals their low-cost playbook, customer love strategy, and why they're bullish on America.

Christina: https://www.linkedin.com/in/crisjunqueira/

00:00:00 - Nubank's $70B Rise, US Charter News

00:03:34 - Why US? Cost Edge, Customer Demand

00:07:30 - Three Misfits Quit Bank to Start Nubank

00:10:16 - Capital One Lessons Shape Credit Cards

00:13:58 - Purple Card Launch: Viral Pull Effect

00:17:14 - Waitlist Fuels Organic Early Growth

00:20:05 - 2016 Crisis: Customers Save Nubank

00:23:04 - Accounts Launch: Self-Funded Destiny

00:26:28 - Inclusion Stats: 80% First-Time Savers

00:30:04 - Mexico 2019: Underpenetrated Market

00:33:32 - IPO at 8 Months Pregnant, No Finish Line

00:37:08 - US Team: Miami Hub, Tech Hires

00:41:54 - Stablecoins Real: #2 in Brazil

00:45:14 - AI Transforming Underwriting, Support

00:48:05 - Founder Advice: Homework, No Perfect Time

00:52:33 - Culture: Avoid Negativity, Hire Aligned

___

Rex Salisbury LinkedIn:

↪︎ https://www.linkedin.com/in/rexsalisbury

Twitter: https://twitter.com/rexsalisbury

TikTok: https://www.tiktok.com/@rex.salisbury

Instagram: https://www.instagram.com/rexsalisbury/

#NubankUSExpansion #FintechDisruption #ChristinaNubank

How Claude's AI Financial Analyst is Changing Investing (Insider Unveils)

Wed, 05 Nov 2025 01:00:00 -0800

My Fintech Newsletter for more interviews and the latest insights:

↪︎ https://rexsalisbury.substack.com/

In this episode, Anthropic’s Nicholas Lin explains how vertical AI agents are reshaping financial services, from building real-time investment models to automating data analysis for some of the world’s largest funds. We explore why finance was chosen as Anthropic’s first enterprise vertical, the challenges and benchmarks in deploying safe, reliable AI, and how large organizations are integrating these tools across research and operations. Nicholas Lin also shares insights on the next era of AI adoption, collaboration with global partners, and the future role of financial analysts in an agent-powered economy.

Nicholas Lin.: https://www.linkedin.com/in/cxl/

00:00:00 - Anthropic demos real-time AI financial analyst

00:00:39 - Claude's rollout to global enterprise clients

00:01:27 - Why verticalize AI models for finance

00:02:36 - AI as a solution for complex industry problems

00:03:46 - Tackling regulated logic and audit trails

00:05:07 - Building “retrieve, analyze, create” agents

00:07:11 - Outperforming on industry research benchmarks

00:09:13 - Integrating AI with customer feedback loops

00:10:14 - Why AI-enabled spreadsheets matter

00:13:03 - Partnering with sovereign wealth funds

00:15:10 - Data integration and readiness for AI

00:17:13 - Changing workflows with live artifacts

00:20:04 - Customizing tools for technical teams

00:23:19 - Driving product development with design partners

00:25:12 - Future of “full-stack” autonomous agents

00:27:33 - Solving adoption and change management

00:29:01 - Enterprise-wide AI from consulting to accounting

00:30:53 - Most bankers still lack AI access

00:32:40 - Social impact of automating analyst work

00:34:31 - Favorite AI and finance tools

00:36:43 - The next wave of AI advances at Anthropic

___

Rex Salisbury LinkedIn:

↪︎ https://www.linkedin.com/in/rexsalisbury

Twitter: https://twitter.com/rexsalisbury

TikTok: https://www.tiktok.com/@rex.salisbury

Instagram: https://www.instagram.com/rexsalisbury/

Why AI will NEVER Replace Your Sales Job! - Stevie Case CRO @Vanta

Tue, 21 Oct 2025 00:00:00 -0800

My Fintech Newsletter for more interviews and the latest insights:

↪︎ https://rexsalisbury.substack.com/

In this episode, I sit down with Stevie Case from Vanta, a former pro gamer turned chief revenue officer, to discuss how AI is transforming the entire go-to-market function in B2B SaaS. Stevie shares insights on building agile sales organizations, how AI supercharges human roles rather than replacing them, and the evolving expectations for sales, customer success, and RevOps teams. The conversation covers AI tool adoption, hiring for an AI-native workforce, and why go-to-market roles are among the most exciting in tech today.

Stevie Case: https://www.linkedin.com/in/steviecase/

00:00:00 - AI’s Impact on Go-To-Market Functions

00:02:06 - Building Scalable Sales Organizations

00:04:47 - Specialization and Segmentation in Sales

00:06:28 - AI Supercharging Customer Success

00:08:23 - Hiring and Onboarding with AI Support

00:10:07 - Building AI-Driven Products with Customers

00:12:08 - Selling New Products to Existing Customers

00:15:02 - Early Product Adoption and Iteration

00:17:25 - Operating at All Levels in Organizations

00:20:01 - Creating Intense, High-Velocity Teams

00:22:15 - Hiring AI-Native, Curious Builders

00:25:05 - Measuring Success by Team Pride and Feedback

00:26:07 - Developing Agent Platforms

00:28:02 - Monetization and Business Model Evolution

00:30:49 - AI-Enabled Competitive Advantages in Fintech

00:32:31 - Top-Down AI Automation Demand

00:34:11 - Reinforcement Learning in Fraud Detection

00:38:00 - International Go-To-Market Expansion

00:41:33 - Designing Global Sales Footprints

00:45:04 - Resourcing RevOps and Systems Teams

___

Rex Salisbury LinkedIn:

↪︎ https://www.linkedin.com/in/rexsalisbury

Twitter: https://twitter.com/rexsalisbury

TikTok: https://www.tiktok.com/@rex.salisbury

Instagram: https://www.instagram.com/rexsalisbury/

Figure CEO Reveals: How the World's No. 1 Tokenizer of Real World Assets Leads (Michael Tannenbaum)

Sat, 04 Oct 2025 01:00:00 -0800

My Fintech Newsletter for more interviews and the latest insights:

↪︎ https://rexsalisbury.substack.com/

Figure’s CEO Michael Tannenbaum shares how blockchain is transforming home equity and mortgage lending following one of the year’s biggest IPOs. Learn about Figure’s journey from a contrarian startup to market leader, real asset tokenization, and rapid loan closures. Explore how partners use their tech to save time and money, tackle standardization and audits, and navigate industry criticism. Get insights on blockchain’s future in finance, tokenized equities, and the evolving DeFi landscape.

Michael Tannenbaum: https://www.linkedin.com/in/michaeltannenbaum/

00:00:00 - Figure’s Massive IPO and Blockchain Vision

00:00:41 - Revolutionizing Home Equity Access

00:01:07 - Blockchain’s Key Benefits in Finance

00:01:43 - Why Consumers Care About Housing Innovation

00:02:43 - Slashing HELOC Costs and Timelines

00:03:49 - Shifting from Credit Cards to Home Loans

00:05:02 - Boosting Secondary Market Liquidity

00:06:30 - From Proof of Concept to $10B+ Loans

00:07:55 - Why Start with HELOCs as Green Field

00:09:21 - Tokenizing Assets Post-2008 Lessons

00:10:29 - Avoiding ICO Hype for Long-Term Build

00:11:46 - Scaling with 170+ Partners

00:13:14 - Launching Pure Marketplace Model

00:14:32 - Evolving to First-Lien Mortgages

00:15:46 - Attacking Core Mortgage Market

00:17:16 - Penetrating Mass Affluent Demographics

00:18:35 - How Blockchain Ensures Efficiency

00:20:10 - Immutable Data Cuts Audit Needs

00:21:42 - Perfecting Liens with DART Tech

00:23:34 - Comparing to Unsecured Loan Markets

00:25:28 - Addressing Banker Adoption Risks

00:27:03 - Flywheel of Growth and Evangelists

00:28:48 - Stablecoin Settlement Advantages

00:30:01 - Automating Servicing and Prepayments

00:31:37 - Responding to Decentralization Critics

00:33:05 - Connecting Assets to DeFi Future

00:34:39 - Tokenizing Equity for Cross-Collateral

00:35:40 - Democratize Prime: DeFi Marketplace

___

Rex Salisbury LinkedIn:

↪︎ https://www.linkedin.com/in/rexsalisbury

Twitter: https://twitter.com/rexsalisbury

TikTok: https://www.tiktok.com/@rex.salisbury

Instagram: https://www.instagram.com/rexsalisbury/

How Ryan Petersen Rebuilt Flexport Into an $8B Powerhouse

Tue, 02 Sep 2025 01:00:00 -0800

My Fintech Newsletter for more interviews and the latest insights:

↪︎ https://rexsalisbury.substack.com/

Chaos in the global supply chain and big regulatory shifts set the stage as Ryan Petersen, founder and CEO of Flexport, explains how his team steered through COVID disruptions, rapid growth, and major pivots. Learn how Flexport tackled crises, restructured after setbacks, and built fintech products—plus candid founder lessons, B2B marketing hacks, and the realities of working with changing government policies.

00:00:00 - Supply chain chaos: What’s really happening?

00:01:35 - Flexport’s origin and YC journey with Paul Graham

00:04:05 - The 2007 legal change that made Flexport possible

00:06:16 - COVID hits: Hospitals, chaos, and pivoting to crisis aid

00:09:37 - Airlifting masks & Flexport.org’s massive response

00:11:07 - Post-pandemic: Scaling pains and CEO turnaround story

00:13:27 - Surviving and fixing operational meltdown

00:15:39 - Should startups focus or diversify? Lessons from Convoy

00:17:46 - Acquisitions, exits, and core customer clarity

00:21:06 - Why every company is a fintech: Flexport Capital’s story

00:24:32 - Lending innovations: Maritime law, risk, and collections

00:26:52 - Asset-backed lending, funding growth, and private credit

00:32:05 - Stablecoins, international payments, and FX tradeoffs

00:37:04 - Direct mail, toy planes, and B2B marketing ROI

00:41:06 - Brand, ROI, and investing in event-based relationships

00:42:19 - Policy shocks: De minimis, tariffs, and rapid pivots

00:46:20 - Lobbying government: How Flexport approaches DC

00:48:58 - Tariff consequences and “unintended” business impacts

00:51:39 - Tech memos, AI, and founder productivity hacks

00:53:03 - Ultimate founder advice: Burn rate, debt, and fundraising

00:54:56 - Halloween, Suez Canal, and life outside of logistics

Why He Turned Down $1.2 Billion from Stripe to Build Airwallex (CEO & Founder Jack Zhang)

Thu, 21 Aug 2025 12:00:00 -0800

My Fintech Newsletter for more interviews and the latest insights:

↪︎ https://rexsalisbury.substack.com/

In this episode, Jack, founder of Airwallex, shares his journey—from working odd jobs in Australia to leading a company that rejected a $1.2B acquisition offer from Stripe and now generates close to $900M in annual revenue. Jack reveals how Airwallex evolved through three distinct phases—from FX infrastructure to a comprehensive business banking platform—serving 150,000 customers globally. We discuss pivotal moments with investors, rapid scaling, and the challenges of global money movement. Jack also shares candid views on stablecoins, go-to-market strategies—including major brand partnerships like McLaren F1 and Arsenal—and dives into Airwallex's ambitious AI plans that aim to revolutionize finance. Tune in to hear about bold decisions, lessons from near-bankruptcy, and what's next for one of fintech’s fastest-growing companies.

Jack Zhang: linkedin.com/in/jack-zhang-05200222

00:00 - Why Airwallex turned down Stripe's $1.2B offer

00:37 - Jack’s journey: Odd jobs to founder

01:08 - Stablecoins and global money movement: Useless or gamechanger?

03:22 - Unlocking initial hypergrowth: Key customers and industries

05:20 - Pivoting product: What didn’t work and why

07:37 - Three phases of Airwallex’s growth

08:58 - Building a layered business banking platform

10:06 - From student magazines to diverse side businesses

13:37 - Lessons from early failures and successes

15:34 - Creating borderless financial infrastructure

16:56 - Are stablecoins really practical for payments?

19:18 - Scaling payments: Liquidity, costs, and geographies

21:36 - Airwallex today: Revenue and growth stats

22:23 - Market scope and expansion plans

24:18 - The million-dollar meeting: Raising capital

27:04 - Hardest fundraises and investor stories

29:28 - Go-to-market strategy: Brand and partnerships

33:25 - Investing in brand: The timing and payoff

34:24 - Founder visibility: Why Jack speaks out now

37:05 - Impact of storytelling on growth and hiring

38:32 - Life outside Airwallex: Hobbies & balance

38:44 - Expansion in the US: Offices and hiring plans

40:13 - Airwallex Copilot: AI agents for autonomous finance

41:42 - AI-powered products: The future of business ops

42:22 - Major product launches: Full-stack billing for AI companies

43:15 - Crossing $1B ARR: What’s next for Airwallex

44:13 - Airwallex Billing: Features, rollout, and free offer

___

Connect with Rex on social media:

LinkedIn: https://www.linkedin.com/in/rexsalisbury/

Twitter: https://twitter.com/rexsalisbury

TikTok: https://www.tiktok.com/@rex.salisbury

Instagram: https://www.instagram.com/rexsalisbury/

The Battle Over Tokenized Private Equity (with Expert Lex Sokolin)

Sun, 20 Jul 2025 01:00:00 -0800

In this episode, we sit down with Lex Sokolin, a fintech veteran and founder of Generative Ventures, to unpack the latest in tokenized assets, crypto infrastructure, and the future of payments. Lex shares his insights on Robinhood's controversial OpenAI token launch, the evolution of security tokens, and why fintech giants like Stripe and Coinbase are racing to build AI-native payment systems. We dive into the regulatory hurdles, the shift from old financial factories to blockchain-powered rails, and how stablecoins could enable seamless commerce for AI agents. Lex also discusses the messy realities of public vs. private markets, the power of self-custody, and his new fund focused on the machine economy.

Lex Sokolin: linkedin.com/in/alexeysokolin

00:00:00 - OpenAI Tokens on Robinhood: What Happened?

00:00:50 - Inside Robinhood's Arbitrum-Based Platform

00:01:35 - Why Security Tokens Failed in 2018

00:02:38 - From ICOs to Enterprise Blockchain Attempts

00:03:53 - How Robinhood's Product Is Really a Derivative

00:05:13 - Eurodollars & Stablecoins: Regulatory Parallels

00:06:21 - Launching Meme Coins vs. Tokenized Equity

00:07:21 - Why Exchanges Build Their Own Chains

00:08:30 - Who Controls Trading Rights for Private Equity?

00:09:48 - Public Markets: Now Just for Cashing Out?

00:11:06 - Why Exclude Private Equity from Financialization?

00:12:19 - Rent Control for Assets? Markets Want to Flow

00:13:37 - Fintech's Shift to Crypto-Native Products

00:15:15 - How Commerce Drives Payment Processor Changes

00:16:36 - Stripe vs. Coinbase: Battle for AI Agent Payments

00:18:11 - Web2's Original Sin: No Native Payments

00:19:27 - Stablecoins as Internet-Native Dollars

00:20:57 - APIs for AI Agents: Machine-Speed Transactions

00:22:17 - Where Are We in the Internet Payments Journey?

00:24:07 - From Bitcoin to Stablecoins: What Changed?

00:26:01 - Better Dispute Resolution with 402 Protocol

00:27:42 - Why Blockchain Software Is Profoundly Better

00:29:02 - Custody Risks: Lessons from Lehman & Hyperinflation

00:30:24 - Self-Custody as an Option, Not a Requirement

00:31:40 - Inside Generative Ventures & Machine Economy

___

Connect with Rex on social media:

LinkedIn: https://www.linkedin.com/in/rexsalisbury/

Twitter: https://twitter.com/rexsalisbury

TikTok: https://www.tiktok.com/@rex.salisbury

Instagram: https://www.instagram.com/rexsalisbury/

This Man Stopped $100s of Billions in Fraud (Interview with Johnny Ayers, CEO of Socure)

Thu, 10 Jul 2025 01:00:00 -0800

In this episode, we sit down with Johnny Ayers, founder and CEO of Socure, to uncover why government fraud rates remain stubbornly high compared to the private sector—and what it will take to fix them. Johnny shares lessons from working with 17 of the nation’s 20 largest banks, state and federal agencies, and over 600 fintechs. Together, we explore the flaws in identity infrastructure, the challenges of updating records like the Death Master File, and the cultural and incentive misalignments that allow billions in fraud to persist. The conversation dives into the realities of Social Security, Medicare, Medicaid, and unemployment insurance fraud, the evolution of scams during the pandemic, and the urgent need for better data sharing, technology, and legislation. If you’re interested in the intersection of technology, policy, and the future of fraud prevention, this episode is for you.

Johnny Ayers: https://www.linkedin.com/in/johnnyayers/

00:00:00 - Why Is Government Fraud So Persistent?

00:01:05 - Introducing Johnny Ayers & Socure’s Mission

00:01:20 - The Biggest Problems at Federal Agencies

00:02:15 - Death Master File: Flaws and Opportunities

00:04:43 - How Big Is Government Fraud? The Numbers

00:06:37 - Identity Is a State, Not Federal, Issue

00:08:19 - Data Sharing Gaps & The $5 Billion Problem

00:09:24 - Medicare & Medicaid: How Fraud Slips Through

00:10:09 - What AI Can Do for Fraud Detection

00:11:25 - SBA & PPP Loan Fraud During the Pandemic

00:12:24 - Why Did COVID Relief Lose 10% to Fraud?

00:14:32 - Incentive Alignment Problems in Government

00:16:02 - Getting Contractors Onboard with Fraud Prevention

00:17:11 - Why It’s Hard to Access Benefits You Deserve

00:18:21 - What’s a “Leakage Rate” in Unemployment?

00:19:04 - How Can 80% of Claims Be Improper?

00:20:00 - Why State Tech Gaps Make Fraud Easy

00:22:08 - Medicare Abuse vs. Classic Fraud

00:23:17 - Should the Public or Private Sector Own Identity?

00:24:00 - The Battle Over Digital Identity in the US

00:26:05 - Which States Are Leading on Digital ID?

00:27:13 - The Role of Motor Vehicle Associations

00:28:39 - Why US Identity Infrastructure Is Broken

00:30:33 - How the Private Sector Tackles Fraud

00:33:00 - Are We Making Progress? Lessons Learned

00:34:01 - Can AI and Data Fix Government Fraud?

00:36:35 - Measuring Success in Fraud Reduction

00:37:37 - Approving the Right People Faster

00:38:09 - Final Thoughts and What’s Next

___

Connect with Rex on social media:

LinkedIn: https://www.linkedin.com/in/rexsalisbury/

Twitter: https://twitter.com/rexsalisbury

TikTok: https://www.tiktok.com/@rex.salisbury

Instagram: https://www.instagram.com/rexsalisbury/

Zelle's Secret Roadmap to the Next Trillion (Exclusive Interview - Denise Leonhard)

Sun, 29 Jun 2025 01:00:00 -0800

In this episode, Denise Leonhard, CEO of Early Warning (the company behind Zelle), joins us to discuss her journey from American Express and PayPal to leading one of the largest real-time payment networks in the US. Denise shares how Zelle became a $1 trillion powerhouse, what makes it different from other P2P networks, and how it’s expanding into small business payments. We dive into Zelle’s unique bank-owned structure, the challenges of fraud, and the roadmap for growth—including new tools for SMBs and disbursement payments. Denise also offers candid insights on building teams, product innovation, and the future of real-time payments.

Denise Leonhard: https://www.linkedin.com/in/denise-leonhard-4b93918/

00:00:00 - Why Zelle’s Office is Always Full in SF

00:01:34 - Denise’s Journey: From Venmo Rival to Zelle CEO

00:02:57 - Early Wallets at Amex and PayPal’s Public Era

00:05:05 - Leading Venmo and Taking a Break

00:05:36 - Meeting Early Warning: The Banks Behind Zelle

00:06:20 - How Zelle Was Born and Grew to $1 Trillion

00:07:09 - Early Warning’s Mission: Fighting Fraud

00:08:17 - Small Business Stories and Financial Inclusion

00:09:02 - What Makes Zelle Different from Venmo?

00:10:12 - Real-Time Money: Stories of Instant Relief

00:11:20 - Zelle’s Biggest Days: Rent, Payday, and SMB Growth

00:12:14 - How SMBs and Consumers Use Zelle Differently

00:13:30 - Can Non-Bank Apps Join the Zelle Network?

00:14:55 - Zelle’s Roadmap: SMB Tools, Tags, and QR Codes

00:16:01 - Disbursements: The Hidden Power of Zelle

00:17:43 - Tackling Fraud: Tech, Product, and Education

00:19:24 - Who Owns Fraud? Banks, Consumers, and Liability

00:20:53 - How Zelle’s Settlement Infrastructure Works

00:21:25 - Product Roadmap: Network Growth and SMB Focus

00:23:01 - Building the Team: Product, Ops, and Fraud

00:24:16 - Strengthening Bank Relationships for Expansion

00:25:13 - Why Zelle Builds Fraud Tools In-House

00:25:19 - Hiring Across New York, SF, and Scottsdale

00:26:31 - Celebrating $2 Trillion and Planning the Next Trillion

00:26:41 - Advice for Fintech Founders and Operators

___

Connect with Rex on social media:

LinkedIn: https://www.linkedin.com/in/rexsalisbury/

Twitter: https://twitter.com/rexsalisbury

TikTok: https://www.tiktok.com/@rex.salisbury

Instagram: https://www.instagram.com/rexsalisbury/

From Punch Cards to IPO - Bill.com's 20-Year Journey to $1 Billion Revenue

Sun, 22 Jun 2025 01:00:00 -0800

In this episode, I sit down with René Lacerte, founder and CEO of Bill. René shares his entrepreneurial journey from growing up in a fintech family to building one of the most successful SMB financial platforms. We dive into his failed pitch to Intuit that led to his first company, why he parted ways with PayCycle to start Bill, and how he navigated the company through the Great Recession while dealing with personal loss. René also discusses his decision to go public in 2019, the strategic acquisition of Divvy, and why he believes accountability drives performance. We explore how AI is transforming financial operations and his insights on building for the underserved SMB market.

René Lacerte: https://www.linkedin.com/in/renelacerte/

00:00:00 - There's Nothing Like Being a Public Company

00:00:31 - René's Journey: From Fintech Family to Founder

00:02:08 - What Was Your Mother Doing the Night You Were Born?

00:03:16 - The Dinner Table MBA: Learning Business from Family

00:05:22 - From Florida to Silicon Valley: Early Tech Roots

00:07:18 - The Failed Intuit Pitch That Started Everything

00:09:16 - PayCycle: From Nanny Payroll to Accounting Firms

00:11:14 - Why René Left PayCycle to Start Bill

00:14:20 - The Great Recession: Laying Off 40% of the Team

00:18:36 - Why Solo Founders Make Faster Decisions

00:22:16 - How to Reach SMBs: Go Where They Trust

00:24:34 - The Scale That Unlocked Bill's IPO Journey

00:27:05 - Why Accountability Drives Better Performance

00:31:07 - The Problem with Dual Class Share Structures

00:33:22 - The Divvy Acquisition: Getting 100% of Spend Data

00:38:15 - Bill vs Competition: We Started with Financial Ops

00:42:10 - How AI Will Create Fortune 500 Teams for SMBs

00:44:36 - Building for SMBs: Passion and Hacking Solutions

___

Connect with Rex on social media:

LinkedIn: https://www.linkedin.com/in/rexsalisbury/

Twitter: https://twitter.com/rexsalisbury

TikTok: https://www.tiktok.com/@rex.salisbury

Instagram: https://www.instagram.com/rexsalisbury/

Near Failure to $15B IPO - Building Marqeta w/ Jason Gardner

Fri, 13 Jun 2025 00:00:00 -0800

In this episode, I sit down with Jason Gardner, founder and CEO of Marqeta. Jason shares his journey from the early days of San Francisco's tech scene through building a modern card issuing platform that serves companies like Cash App, DoorDash, and Affirm. We dive into the big pivot that almost broke the company, how DoorDash became their defining customer, and the challenges of scaling a fintech business. Jason also discusses his decision to go public in 2021, his biggest repeated mistake as a founder, and why he believes the future of fintech lies in the Middle East.

Jason Gardner:

/ jasonmatthewgardner

00:00:00 - Introduction to Jason and Marqeta's Success

00:00:27 - The Big Pivot That Almost Broke the Company

00:01:02 - Why Oakland? Building in the Bay Area

00:02:21 - San Francisco's Early Tech Scene in the 90s

00:04:37 - Starting Marqeta: Why Nobody Believed in 2010

00:06:03 - Building Card Issuing Infrastructure from Scratch

00:06:56 - Facebook's Gift Card Challenge Changes Everything

00:08:00 - Finding the First Big Customer That Defined Marqeta

00:09:00 - DoorDash: From Veterinarian Office to Partnership

00:10:18 - How Marqeta Solved the Prepaid Card Fraud Problem

00:11:19 - Cash App: The Consumer Bet That Made or Broke Us

00:13:10 - How Do You Know When to Bet on a Customer?

00:14:56 - The Hardest Part: Scaling Without Dying

00:17:26 - Going Public in 2021: Timing the Perfect Window

00:19:43 - Picking Ideas: When an Idea Picks You

00:23:13 - Overcoming Imposter Syndrome as a Founder

00:25:21 - Why I Chose to Be a Solo Founder

00:27:45 - The One Mistake I've Made Twice: People Don't Change

00:31:23 - Why the Future of Fintech is in the Middle East

00:36:18 - Life After CEO: Aviation and What's Next

00:37:12 - AI's Impact on Financial Services and Fraud

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Zapier’s AI Revolution Hits NOW (Bootstrapped to $1M ARR w/ CEO Wade Foster)

Sat, 05 Apr 2025 01:00:00 -0800

In this episode I sit down with Wade Foster, the founder and CEO of Zapier. We explore Zapier’s unique path, from building its first integrations on nights and weekends in Missouri to scaling with minimal funding through Y Combinator. Wade shares how “don’t hire till it hurts” became a guiding mantra, why Zapier embraced remote work early on, and how the rise of AI is unlocking new automation possibilities through Zapier Agents. Whether you’re curious about seedstrapping, enterprise workflows, or the frontier of AI benchmarks, this conversation delivers practical insights for building a lean, innovative company.

00:00:00 - “Don’t Hire Till It Hurts” Mantra

00:01:24 - The First Zap & Early Users

00:03:42 - Joining YC & Minimal Funding

00:05:09 - Profitability & Lean Hiring

00:06:57 - SEO for Marketplace Growth

00:08:10 - AI Agents & Unstructured Data

00:10:28 - Enterprise Playbook & GTM

00:13:14 - ARC Prize & Future of AGI

00:17:29 - Remote Culture at Zapier

00:20:29 - Seedstrapping Advice in AI

00:25:09 - Reimagining Processes w/ AI

00:28:54 - Final Insights & Future

The $100B Revolution: How LLMs will Change Accounting Forever

Sun, 23 Mar 2025 01:00:00 -0800

In this episode, I sit down with Seema, a partner on the Andreessen Horowitz Fintech Team, to explore how AI is transforming accounting. We uncover why 75% of accountants may retire over the next decade and how AI could relieve shortages by streamlining data ingestion, research, reporting, and client advising.

Seema also shares insights from her comprehensive market map on AI in accounting, along with strategies for founders looking to sell either directly to firms or through embedded solutions. Whether you’re curious about the future of audit, tax, or month-end close, this conversation reveals how AI can reshape one of the largest professional fields.

00:00:00 - Why Accounting Faces a Crisis

00:02:06 - Seema's AI & Accounting Market Map

00:04:23 - Four Big Jobs for AI in Firms

00:06:57 - Data Ingestion & Month-End Close

00:09:08 - Research & AI-Driven Judgments

00:12:08 - Firms’ Excitement, Key Obstacles

00:15:08 - Challenges with Trust & Accuracy

00:17:27 - Selling AI: Firms vs. Companies

00:20:29 - Automation & Billable Hours Shift

00:23:38 - Embedded Accounting & Verticalization

00:26:52 - Niche Communities & Next Steps

00:29:24 - Future Outlook & Conclusion

Inside Public's Product Strategy - Deep Dive w/ Leif Abraham

Wed, 12 Mar 2025 01:00:00 -0800

In this episode, I sit down with Leif, Co-founder and Co-CEO at Public, an investing platform built for people who take investing seriously. We discuss how Public raised $400 million, doubled its user base in just 48 hours, and evolved beyond commission-free trading to offer options, treasuries, bonds, and more. Leif shares their no-payment-for-order-flow approach, emphasizing transparency and trust, and reveals how product velocity and AI integrations are helping them reach the mass-affluent market.

We also dive into the importance of keeping teams lean, focusing on discipline over hype, and staying true to the company’s mission despite market cycles. From avoiding organizational meltdowns to crafting a long-term product strategy, this conversation sheds light on Public’s journey toward becoming a comprehensive fintech powerhouse.

00:00:00 - $400M Raise & Doubling Users

00:01:31 - Building for Serious Investors

00:04:07 - Payment for Order Flow Explained

00:06:49 - Public’s No-PFOF Decision

00:09:01 - GameStop’s Impact & Funding Surge

00:11:54 - Upgrading Product & Brand Tone

00:14:44 - Aiming at Mass-Affluent Clients

00:19:06 - Podcast & Media Strategy

00:22:15 - AI & Alpha: The New Frontier

00:25:20 - Complexities of Fintech Builds

00:29:06 - The 2024 Big Product Launch

00:34:21 - Org Meltdown & Lessons Learned

00:39:16 - Surviving the Fintech Winter

00:42:46 - Balancing Discipline & Growth

State of Startups: Everything You Need to Know, with Peter Walker of Carta

Wed, 05 Mar 2025 16:00:00 -0800

In this episode I sit down with Peter Walker, head of insights at Carta, to discuss the sweeping changes in how founders are building and funding startups in 2024. Peter shares fresh data on AI’s outsized influence across every stage, why more founders are bootstrapping, and the real story behind down rounds and bridge rounds. We also dive into founder ownership trends, vesting schedules, and why hiring has slowed even as dry powder sits on the sidelines. If you’re curious about where venture is headed, and how to navigate the current market, this deep dive offers plenty of practical takeaways.

00:00:00 - Why 2024 Feels Different

00:02:00 - Comparing 2024 to 2021 Boom

00:03:58 - Why IPOs and AI Dominate Talk

00:06:17 - Stage-by-Stage Funding Trends

00:09:09 - Bridge Rounds & Down Rounds Return

00:11:24 - Founder Ownership & Vesting

00:14:17 - Solo Founders & AI Bootstrapping

00:19:35 - Equity for Advisors & Early Hires

00:22:50 - Safes, Valuation Caps & Dilution

00:30:37 - Major Slowdown in Startup Hiring

00:38:10 - Geographic Hubs: SF, NYC & Miami

00:43:25 - Venture Funds Struggle With Returns

00:59:22 - 2025 Outlook: IPOs & Efficiency

01:02:03 - Closing Thoughts

___

Connect with Rex on social media:

LinkedIn: https://www.linkedin.com/in/rexsalisbury/

Twitter: https://twitter.com/rexsalisbury

TikTok: https://www.tiktok.com/@rex.salisbury

Instagram: https://www.instagram.com/rexsalisbury/

Fintech’s Biggest Shift Is Happening Now, with Sheel Mohnot of BTV

Mon, 24 Feb 2025 01:00:00 -0800

In this episode Rex chats with Sheel Mohnot from Better Tomorrow Ventures. Sheel shares his journey of living on a dollar a day in India, founding and selling multiple companies (including one sparked by a chance meeting on a train), and even hosting nine weddings—one of them sponsored by Taco Bell in the metaverse. They dive into Sheel’s evolving personal finance stack, from traditional banks to Robinhood’s gold credit card, and discuss why consumer fintech is suddenly exciting again. Sheel also unpacks how AI-driven solutions are transforming bookkeeping, mortgage operations, and more. From vertical SaaS insights to San Francisco’s culture of radical experimentation, this conversation is a whirlwind tour of where fintech is headed.

00:00:00 - Introduction

00:01:00 - BTV Office & Life Above Work

00:02:46 - Microfinance & Typhoid Stories

00:04:01 - Half-Billion Domain Startup

00:05:13 - Nine Weddings & Taco Bell

00:06:28 - Building a Modern Finance Stack

00:08:14 - Credit Cards & Margin Lending

00:10:24 - Bank Inefficiencies & Chime’s IPO

00:11:33 - Consumer Fintech: Lessons & LTV

00:15:50 - B2B Focus & Early-Stage Strategy

00:19:15 - AI in Services: Accounting & Mortgage

00:23:07 - Vertical SaaS & Embedded Finance

00:31:10 - AI’s Impact on Low-Margin Services

00:33:34 - Doing More with Less & Moats

00:40:01 - Regulatory Shifts & SF’s Future

From the Team behind PayPal Ventures: Fintechs NEWEST Fund w/ Founder Jay Ganatra

Thu, 24 Oct 2024 01:00:00 -0800

In this episode, we dive into fintech and commerce enablement with Jay Ganatra, one of the founders of Infinity Ventures. Learn how this former PayPal Ventures team brings expertise in payments, lending, risk, and financial infrastructure to back the next generation of startups. We explore the backstory of PayPal Ventures, the challenges and opportunities in fintech investments, and why corporate venture arms play a unique role. Hear insights on the current fintech M&A landscape and how strategic partnerships shape success for founders. Jay also shares his journey in founding Infinity Ventures and their approach to identifying and supporting high-potential fintech companies.

If you're a founder or investor looking to better understand the fintech ecosystem, this conversation is packed with valuable advice!

I / jayganatra

00:00:00 – Introduction to Infinity Ventures and PayPal’s Legacy

00:01:30 – Infinity Ventures Investment Focus

00:03:00 – PayPal Ventures: Impact and Acquisitions

00:05:00 – PayPal's Global Reach and Market Expansion

00:07:00 – Challenges and Lessons from Corporate Ventures

00:08:30 – Success Stories: Plaid and TRM Labs

00:11:00 – Infinity Ventures Founding Journey

00:12:30 – Fundraising and Building Infinity Ventures

00:15:00 – Key Investments: Vinyl and Transfer Agent Disruption

00:18:00 – Navigating Regulation and Market Entry for Vinyl

00:24:30 - Exploring Simple Closure: Shutting Down Businesses

00:30:15 - Addressing Market Misconceptions

How Brigit Built a $100M B2C Fintech (Interview Hamel Kothari)

Sun, 15 Sep 2024 12:00:00 -0800

Last week, I had an insightful podcast interview with Hamel Kothari, the co-founder and CTO of Brigit.

We discussed how they've grown to over $100M in revenue, 1 million paying subscribers, and stayed profitable for more than two years. Brigit has built one of the top financial apps, ranking above companies like Barclays and Robinhood in the App Store.

In the episode, we explore how they thrived in a space many investors were skeptical about.

If you're interested in fintech or scaling a business, this podcast offers some valuable lessons on building a successful consumer fintech company.

___

Connect with Rex on social media:

LinkedIn: https://www.linkedin.com/in/rexsalisbury/

Twitter: https://twitter.com/rexsalisbury

TikTok: https://www.tiktok.com/@rex.salisbury

Instagram: https://www.instagram.com/rexsalisbury/

Leveraging Crisis: The AngelList Transformation w/ CEO Avlok Kohli

Wed, 31 Jul 2024 12:30:00 -0800

In this episode, I sit down with Avlok Kohli, CEO of AngelList, at their San Francisco headquarters. Avlok shares how AngelList responded to the 2022 market crash, shifting from a heavy reliance on SPVs to diversifying their product offerings, including rolling funds and venture fund management tools. He discusses the strategic decisions that led to AngelList's current success, insights on launching new products in competitive markets, and the evolution of AngelList into a comprehensive financial platform. Avlok also reflects on his journey from founder to CEO, providing an insider's view on the future of venture capital and the startup ecosystem.

How OpenAI is Completely Transforming Finance Right Now (Exclusive Interview w/ James Dyett)

Tue, 25 Jun 2024 05:30:00 -0800

In this episode, I sit down with James Dyett, head of platform at OpenAI. James discusses how AI is revolutionizing finance, with insights from clients like Morgan Stanley and Klarna.

Learn how Morgan Stanley uses AI to improve wealth management and how Klarna has automated two-thirds of its customer service tasks.

We also touch on Oscar Health and Nubank, exploring how AI enhances their operations. James shares his strategies for implementing AI solutions and the future of AI in the industry.

Building a Fintech Giant: UPGRADE'S unique Strategy! (with Renaud Laplanche)

Sun, 19 May 2024 12:00:00 -0800

In this episode, I sit down with Renaud Laplanche, founder and CEO of Upgrade. Renaud talks about his move from Lending Club to starting Upgrade, focusing on innovation in consumer fintech. He shares insights on the unique features of the Upgrade Card, the strategic partnerships with credit unions, and the future of consumer finance. We dive into his strategies for building successful fintech companies and what sets Upgrade apart in the industry.

Keith Rabois' Unique Investment Strategy (Exclusive Interview 2024)

Wed, 01 May 2024 13:00:00 -0800

Keith Rabois is back at Khosla after leaving Founders Fund. In this episode, Keith discusses his return, why he focuses on seed investing, his most courageous bet, his biggest mistakes (deciding which meetings to take) and more. He also shares insights on evaluating founders, the intricacies of startup success, and his approach to investing.

Banking as a Service: Dying or Evolving? (Interview w/ Unit's CEO Itai Damti)

Thu, 04 Apr 2024 06:00:00 -0800

Find out why Itai Damti (the founder and CEO of Unit) hates the word BAAS. We take a deep dive into his mindset and what got him to where he is today.

INSIDER INTERVIEW WITH ZACH PERRET (Founder of PLAID)

Tue, 19 Mar 2024 14:00:00 -0800

Join us for a captivating chat with Zach, Plaid's visionary founder and CEO. Plaid stands at the forefront of fintech innovation, linking financial institutions with apps to revolutionize banking and finance. From its early days in San Francisco to becoming a key player in fintech, Plaid's journey reflects the sector's rapid evolution.

Zach guides us through Plaid's milestones—from filling a vital niche, scaling its impact, to navigating the fintech landscape's ups and downs, including the COVID-19 pandemic and banking crises. These moments highlight Plaid's crucial role in stabilizing the fintech ecosystem.

Diving into the heart of fintech innovation, Zach discusses the challenges and achievements of building Plaid, a platform essential to fintech's fabric, and shares insights on the future of finance.

This conversation sheds light on the innovation and determination driving fintech forward. It's a must-watch for anyone interested in technology's role in reshaping financial services.

___

Connect with Rex on social media:

LinkedIn: https://www.linkedin.com/in/rexsalisbury/

Twitter: https://twitter.com/rexsalisbury

TikTok: https://www.tiktok.com/@rex.salisbury

Instagram: https://www.instagram.com/rexsalisbury/

Legendary $3.5B Startup Journey (Exclusive Interview with NFX's Pete Flint)

Mon, 29 Jan 2024 13:00:00 -0800

Pete Flint is a prominent figure in the technology and real estate industries, best known for his co-founding role at Trulia and his involvement with NFX, a venture capital firm. As one of the co-founders of Trulia, a real estate platform that gained widespread popularity, Flint played a pivotal role in revolutionizing the way people search for homes online. His entrepreneurial spirit and innovative approach have made him a respected leader in the prop-tech space. Beyond Trulia, Flint has continued to contribute to the startup ecosystem through his association with NFX, a venture capital firm that focuses on investing in seed-stage companies.

Building Propel with Jimmy Chen, Founder & CEO

Mon, 10 Jul 2023 10:00:00 -0800

Jimmy Chen founded Propel in 2014 with the ambitious vision of improving America’s safety net. $65 Billion of government benefits go unclaimed because of cumbersome and opaque processes. Even when those benefits are claimed, the user experience is frustrating.

Propel started by making one of America's most important social benefit programs, SNAPs, formerly known as food stamps more user friendly. Propel makes it possible for any of the 42 million Americans on SNAPs to check their balance from their phone instead of having to call a 1-800 number and wade through a cumbersome phone tree.

Today, Propel serves over 5 million people in all 50 states

To share how Propel vision expanded beyond SNAPs to become an all-in-one money app to include mobile banking, benefits info with the goal of patching America’s broken safety net, I’m excited to have Jimmy Chen here to share his story.

https://www.joinpropel.com/

Building Simple with Founder Shamir Karkal

Fri, 23 Jun 2023 01:00:00 -0800

Today, I’m talking to fintech pioneer, Shamir Karkal, the Founder and CEO of Simple.

Founded in 2009, Simple was one of the very first neobanks, meaning they offered banking services, but were not themselves a bank. Simple built the user experience and tech, but partnered with a bank to provide the charter.

In 2009, it was not at all obvious this was even possible. Simple helped prove it was and grew a cult-like customer base in the 100s of thousands.

It’s hard to overstate how important the neobank model has become for fintech in the decade plus. Today, there are 100+ Neobanks and 20+ banking as a service platforms. But the bank-as-a-service model, is not just a story of neobanks.

It’s been crucial to the growth of fintech, especially embedded fintech, more broadly.

So, today, we’re going to talk w/ Shamir about what it took build Simple and pioneer a category.

But, like any good pioneer, Shamir’s not finished. Today, he’s founded Sila, a banking-as-a-service platform, informed from his time building Simple. We’ll talk cover that as well as what Shamir see’s in the future of financial infrastructure.

Building Mercury with Immad Akhund, Founder & CEO

Fri, 09 Jun 2023 01:00:00 -0800

Incredibly excited for this conversation with Immad Akhund, the Founder of Mercury, a business bank for startups.

Mercury was founded in 2017 when almost no on had tried to build to a neobank for business. Today, Mercury has over 100,000 business customers and provides a suite of banking products

Checking and Savings
Credit Cards and expense management
Treasury
Venture Debt

In this conversation, we talk about just how hard, but rewarding the journey has been. Each year has been radically different from previous:

2017 how?
2018 build!
2019 launch!
2020 covid
2021 ecommerce boom & tech bubble
2022 tech crash
2023 SVB fails...

Most recently, the failure of SVB, their primary incumbent competitor, was a huge accelerant of the business with $2 Billion in deposits flow in a matter of weeks.

This is a great story of what it takes to build in fintech.

Building Chipper with Ham Serunjogi, Founder & CEO and Lead Investor Dan Kimerling

Wed, 24 May 2023 01:00:00 -0800

On this episode, originally recorded in Mar 2022, we dive into the backstory of Chipper Cash, at the time, the most valuable startup in Africa recently valued at just over $2 billion. Chipper provides free and instant cross border money transfers, and has grown to serve over 4 million customers, doing 80,000 transactions.

█ Guests

Ham Serunjogi, Founder & CEO at Chipper

Dan Kimerling, Founder & Managing Partner at Deciens (lead investor in Chipper's Seed & Series A)

█ Timeline

[Intros] - Ham & Dan

[Raising] - How Dan & Ham Met

[Crisis] - Responding when shut down in their largest market

[Team Building] - How Chipper Built a world class legal and ops teams

[Roadmap] - How Chipper prioritizes their product roadmap

[Org Structure] - How Chipper built a matrixed org

[The Future] - Chipper’s Long Term Vision

[Advice] - Advice for prospective founders

Building Alloy with Founder, Laura Spiekerman

Fri, 12 May 2023 01:00:00 -0800

Today’s guest is Laura Speakman, Co-Founder of Alloy. We cover her journey from interning in microfinance to narrowly avoiding becoming a career lawyer to then becoming a fintech founder building crucial infrastructure.

Alloy is a global identity decisioning platform that helps banks and fintechs with onboarding, transaction monitoring and credit decisioning. They have 300+ customers and 300+ employees. Their last round value to them at over a billion dollars.

But, getting there was by no means easy–building infrastructure in FinTech almost never is. We cover both the successes, but also the bumps in the road. Enjoy!

We discuss:

1. Her early career from Brooklyn DA’s office => Microfinance in Nairobi => Payments in the US

2. Why she started Alloy in 2015 and how she met her Co-Founder, Tommy Nichols

3. How they closed their early customers (small fintechs) and eventually their first large customer (Ally Bank!)

4. How their GTM & Product has changed over time

5. Alloy’s global expansion, starting w/ a London office

6. Advice for new fintech founders

If you prefer video, find our interviews on YouTube:

youtube.com/@cambrianhq

Building Deel with Founder, Shuo Wang

Fri, 28 Apr 2023 01:00:00 -0800

In this episode, I talk to Shuo Wang, the founder of Deel. Deel is an all-in-one HR platform for global teams. They help companies of all sizes, anywhere from a two person startup to publicly traded companies, manage contractors and full-time employees in 150 plus companies or countries around the world.

I first met the founders of Shuo and Alex in 2019, shortly after they had graduated YC's winter batch, when they were a small scrappy team, but clearly onto something big.

In the 4 years since they have gone on to pay out over $5 billion to 250,000 individuals around the world. So really great team operating a critical piece of infrastructure at scale.

In this interview, I cover how Shuo and Alex went from being friends at MIT to scrappy startup founders in YC to eventually building one of the most important companies powering the future of remote work.

How to prevent the next bank crisis with John Cochrane

Mon, 17 Apr 2023 09:00:00 -0800

In this episode, we are going to talk about how you to stop banks crises forever. That’s right, permanently stop bank crises. I know that seems crazy.

How? Narrow Banking. It’s an idea that’s been around since the 1930s. It essentially means that Banks cannot lend out deposits, which is why it’s also known as fully reserved banking.

If you know anything about Banking you probably think this is absolutely crazy. If Banks can lend out deposits, who will provide credit?

There are a lot of objections to Narrow Banking, some very reasonable, some not.

My Goal with this conversation is not to convince you that “Narrow Banking is “THE ANSWER.” But invite you to consider that some of the core principles of how our banking system operates are not some sort of divine, natural law, but instead are specific policy choices that we made in a particular historical context and that we could change if we wanted to.

So hopefully, you’ll find this engaging and thought provoking.

And, in case you’re thinking, "I don’t want to listen to some radical pitch a crazy idea," you should know that John’s proposal for how we transition into Narrow Banking is probably the most modest proposal you can think of. It is basically...do nothing! Some people are starting to move their money into accounts that function much like Narrow Banks, money markets backed entirely by treasuries being a prime example. So if it happens, great! That’s it, that’s his proposal.

So hope you enjoy this episode I think you’ll learn a lot even if you don’t agree with everything.

Links Mentioned in Episode

John's Blog Grumpy Economist: https://johnhcochrane.blogspot.com/

Toward a Run- free Financial System: https://www.hoover.org/sites/default/files/across-the-great-divide-ch10.pdf

Building Ramp with Founder & CEO, Eric Glyman

Fri, 10 Mar 2023 09:00:00 -0800

Ramp is one of the fastest businesses ever to go from $0 to $100M in revenue and they did it in less than 3 years and their last raise in 2022 valued them at $8 billion. It’s a great company in large part because it’s a great product. Cambrian runs on Ramp and I never thought I would say this about corporate expense software, but…it’s magical!

Building Column with Plaid Founder, William Hockey

Fri, 10 Mar 2023 09:00:00 -0800

In 2019, William announced he was stepping down for Plaid. For 3 years he and a small team worked in stealth on a new company, Column. Today we’re going to talk about that company. William describes Column as “a nationally chartered bank that has built every facet of the technology from scratch”.

We are going to cover what inspired William to start this new venture and why he believes the technology they built will be critical for the fintech ecosystem as it scales.

█ Guest

William Hockey, Founder & CEO

https://www.linkedin.com/in/william-h...

█ Moderator

Rex Salisbury, Founder @ Cambrian

https://www.linkedin.com/in/rexsalisb...

https://twitter.com/rexsalisbury

▂▂▂

Cambrian is a community for fintech founders and builders. Check out our website to subscribe to our newsletter, join our meetups and check out our other initiatives!

https://www.cambrianhq.com/

https://www.meetup.com/cambrian/

Building Credit Karma with Ken Lin, Founder & CEO

Fri, 10 Mar 2023 09:00:00 -0800

Building Credit Karma was not easy. Ken raised the company’s first major round in 2009 during the Great Recession and in 2020 navigated the sale of the business during the early days of the covid pandemic, during which Credit Karma saw dramatic declines in revenue and faced the prospect of layoffs. But the company has come through those events and more stronger than ever. Despite the pandemic, Intuit closed the acquisition for a record setting $8 billion in late 2020. Since then, Credit Karma has continued to grow and is projected to deliver over $1.5 billion in revenue in FY 2022. Even more importantly, Credit Karma continues to create huge benefits for their 110+ million members by bringing transparency to credit scores, which in turn affords tailored access to the best financial products–across card, mortgage, auto and more–for their unique situation.

█ Guest

Ken Lin, Founder & CEO

https://www.linkedin.com/in/kennethjlin

█ Moderator

Rex Salisbury, Founder @ Cambrian

https://www.linkedin.com/in/rexsalisb...

https://twitter.com/rexsalisbury

▂▂▂

Cambrian is a community for fintech founders and builders. Check out our website to subscribe to our newsletter, join our meetups and check out our other initiatives!

https://www.cambrianhq.com/

https://www.meetup.com/cambrian/