<![CDATA[The Restive Perspective]]>94007532-b383-5724-9633-9d5e9fac315aThu, 04 Sep 2025 02:11:59 +0000Captivate.fmCameron Peakehttps://artwork.captivate.fm/7957be2d-fd4f-4422-8b34-0c76c6c1786b/9P1DiYuyTnWNFkGe3ytnSctZ.jpgThe Restive PerspectiveCameron PeakeCameron PeakeAs a female founder/ CEO-turned-investor, I have a personal passion to invest in more women in the top seat of companies. More women leading companies means that there are more products and teams that have a fundamentally different perspective, which leads to better social, economic, and financial outcomes. So we're excited to share The Restive Perspective, where I tell the stories of female CEOs and the journeys they took to launch their companies. This isn’t your typical business profile series. My goal here is not only to turn the spotlight on some incredible leaders, but also to talk about the challenges, fear, and doubts they had before starting their companies- and importantly, the tactics they used to actually make the leap. After transitioning to the VC seat, I’ve had the opportunity to meet so many amazing female operators who are contemplating founding a company- but I see them frequently self-selecting into the #2 or #3 role because they don’t think that they have what it takes. This dynamic only exacerbates the problem that within fintech, less than 5% of CEOs are women. My motivation in telling the stories of other women who have made this transition previously is that everyone has these doubts, and that no one is fully “qualified” for this role - it is a constant state of learning. There are many reasons to not start a company - but a lack of conviction in your own potential should not be one of them. https://www.restive.com/contentfalseepisodicnopodcastJason Wilk on Dave’s Rise, Collapse & AI Comeback | Restive Perspective PodcastJason Wilk on Dave’s Rise, Collapse & AI Comeback | Restive Perspective PodcastOn this episode of The Restive Perspective, Ryan Falvey sits down with Jason Wilk, founder & CEO of Dave — the fintech that went public faster than almost anyone before it.

Jason shares how his personal challenges led directly to the company's origin, why people actually love overdraft (but hate the fees), and how the company turned overdraft protection into a technological breakthrough. He opens up about the highs and lows of going public, the clarity that losing 90% of the company’s value brought, and how the company's transformation into an AI leader is powering its meteoric growth.


We cover everything from raising capital when VCs said his customers were “too poor,” to building Dave into an AI-first fintech that serves millions, all while staying lean (albeit with ~300 employees).



Topics include:

-The pain point that led to founding Dave


-Raising capital when no one believed in neobanks


-The rollercoaster of going public, collapse, and comeback


-How AI transformed credit underwriting & customer growth


-Lessons in resilience, product velocity, and trust


This is a candid, insightful conversation about fintech disruption, resilience, and the future of AI in financial services.



👉 Don’t forget to subscribe for more conversations with leaders shaping the future of finance.



About Dave:


Dave is on a mission to build products that level the financial playing field. The app launched in 2017 to help Americans take control of their finances. Since then, Dave has brought its 13M members the products other banks won’t: ExtraCash™ up to $500, goal tracking, and simple ways to find Side Hustles when they’re behind on their budget.


About Restive:


Restive is a seed stage fintech venture capital fund. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.


About The Restive Perspective:


The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins


Learn more about The Restive Perspective and Restive Ventures at www.restive.com.




⏱️ YouTube Chapters



00:00 – Why people actually love overdraft

00:36 – Ryan welcomes Jason Wilk (CEO of Dave)

01:23 – Dave’s founding story

03:00 – Fighting overdraft fees: “Dave vs. Goliath”

04:20 – Launching “Extra Cash” — no-fee advances

06:00 – How Dave grew faster than other neobanks

07:45 – Consumers knowingly using overdraft as credit

09:10 – Early validation & ultra-low acquisition costs

12:25 – Struggles raising capital: 120 investor meetings

15:40 – Investors didn’t understand the customer base

17:00 – Going public early & capitalizing the company

19:00 – Stock collapse and rebound story

21:30 – Market cap swings: $4B to $59M to $3B

24:30 – Why being public helped long-term strategy

27:25 – Becoming an AI-first company

29:05 – AI underwriting: lowering losses to ~1%

32:00 – Competition: Big banks vs. neobanks

33:30 – Expanding credit, longer durations & new products

35:00 – Building a small but...]]>On this episode of The Restive Perspective, Ryan Falvey sits down with Jason Wilk, founder & CEO of Dave — the fintech that went public faster than almost anyone before it.

Jason shares how his personal challenges led directly to the company's origin, why people actually love overdraft (but hate the fees), and how the company turned overdraft protection into a technological breakthrough. He opens up about the highs and lows of going public, the clarity that losing 90% of the company’s value brought, and how the company's transformation into an AI leader is powering its meteoric growth.


We cover everything from raising capital when VCs said his customers were “too poor,” to building Dave into an AI-first fintech that serves millions, all while staying lean (albeit with ~300 employees).



Topics include:

-The pain point that led to founding Dave


-Raising capital when no one believed in neobanks


-The rollercoaster of going public, collapse, and comeback


-How AI transformed credit underwriting & customer growth


-Lessons in resilience, product velocity, and trust


This is a candid, insightful conversation about fintech disruption, resilience, and the future of AI in financial services.



👉 Don’t forget to subscribe for more conversations with leaders shaping the future of finance.



About Dave:


Dave is on a mission to build products that level the financial playing field. The app launched in 2017 to help Americans take control of their finances. Since then, Dave has brought its 13M members the products other banks won’t: ExtraCash™ up to $500, goal tracking, and simple ways to find Side Hustles when they’re behind on their budget.


About Restive:


Restive is a seed stage fintech venture capital fund. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.


About The Restive Perspective:


The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins


Learn more about The Restive Perspective and Restive Ventures at www.restive.com.




⏱️ YouTube Chapters



00:00 – Why people actually love overdraft

00:36 – Ryan welcomes Jason Wilk (CEO of Dave)

01:23 – Dave’s founding story

03:00 – Fighting overdraft fees: “Dave vs. Goliath”

04:20 – Launching “Extra Cash” — no-fee advances

06:00 – How Dave grew faster than other neobanks

07:45 – Consumers knowingly using overdraft as credit

09:10 – Early validation & ultra-low acquisition costs

12:25 – Struggles raising capital: 120 investor meetings

15:40 – Investors didn’t understand the customer base

17:00 – Going public early & capitalizing the company

19:00 – Stock collapse and rebound story

21:30 – Market cap swings: $4B to $59M to $3B

24:30 – Why being public helped long-term strategy

27:25 – Becoming an AI-first company

29:05 – AI underwriting: lowering losses to ~1%

32:00 – Competition: Big banks vs. neobanks

33:30 – Expanding credit, longer durations & new products

35:00 – Building a small but elite team (300 employees)

36:08 – Jason’s five- to ten-year vision for Dave

37:36 – CEOs Jason models himself after (Coinbase, Robinhood)

40:00 – Trust, brand, and customer adoption

43:00 – Lessons from the rise, fall, and comeback

44:23 – Closing reflections

]]>60976300-9e46-483c-bb15-2153bd2cd8efWed, 03 Sep 2025 09:00:00 -050044:26falsefull1414The Restive Perspective | B2B sales with Alloy, Ascend, and SardineThe Restive Perspective | B2B sales with Alloy, Ascend, and SardineScaling an enterprise fintech from 0–1 might look easy from the outside—but sustaining growth and building a market leader is another story. In this Go Restive panel, Alloy’s Laura Spiekerman, Ascend’s Andrew Wynn, and Sardine’s Soups Ranjan share exactly how they’ve done it: from founder-led selling and the first sales hire, to dinner series that convert and swag that sparks conversations. Moderated by Restive Ventures Partner Cameron Peake, this is a myth-busting, detail-rich look at the strategies, habits, and mindset that turn ambitious startups into enduring enterprise companies.

B2B sales is always one of the top 3 topics that founders ask us about at Restive Ventures. Well, we heard you loud and clear! Earlier this year we held a panel at our Go Restive event with Andrew Wynn of Ascend, Laura Spiekerman of Alloy, and Soups Ranjan of Sardine about their experiences with sales and growing that part of the org. We got super granular, and it shows that you never stop learning how to sell- even the panelists were swapping techniques!


Some tidbits:

- Founders should stay in the lead sales role until at least $1M ARR - define your repeatable processes

- Avoid “short-term greed” - don’t try to introduce a second product into a sales cycle just because primary sales process is going well

- All of our panelists started with an SMB product before going to enterprise- this helped to refine the product and have cash to navigate the long sales cycle.


All of our panelists said they wished they could have heard this conversation as they were starting their companies. Give it a listen!


This is an audio session that was recorded as part of a Go Restive event in February 2025. As a lead up to the session, Cameron and Ryan discuss the conversation and their takeaways and highlights.


About Restive:

Restive is a seed stage fintech venture capital fund. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.


About The Restive Perspective:

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins

]]>Scaling an enterprise fintech from 0–1 might look easy from the outside—but sustaining growth and building a market leader is another story. In this Go Restive panel, Alloy’s Laura Spiekerman, Ascend’s Andrew Wynn, and Sardine’s Soups Ranjan share exactly how they’ve done it: from founder-led selling and the first sales hire, to dinner series that convert and swag that sparks conversations. Moderated by Restive Ventures Partner Cameron Peake, this is a myth-busting, detail-rich look at the strategies, habits, and mindset that turn ambitious startups into enduring enterprise companies.

B2B sales is always one of the top 3 topics that founders ask us about at Restive Ventures. Well, we heard you loud and clear! Earlier this year we held a panel at our Go Restive event with Andrew Wynn of Ascend, Laura Spiekerman of Alloy, and Soups Ranjan of Sardine about their experiences with sales and growing that part of the org. We got super granular, and it shows that you never stop learning how to sell- even the panelists were swapping techniques!


Some tidbits:

- Founders should stay in the lead sales role until at least $1M ARR - define your repeatable processes

- Avoid “short-term greed” - don’t try to introduce a second product into a sales cycle just because primary sales process is going well

- All of our panelists started with an SMB product before going to enterprise- this helped to refine the product and have cash to navigate the long sales cycle.


All of our panelists said they wished they could have heard this conversation as they were starting their companies. Give it a listen!


This is an audio session that was recorded as part of a Go Restive event in February 2025. As a lead up to the session, Cameron and Ryan discuss the conversation and their takeaways and highlights.


About Restive:

Restive is a seed stage fintech venture capital fund. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.


About The Restive Perspective:

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins

]]>e8986fd7-8cc7-4b87-b5ea-985de7738378Fri, 15 Aug 2025 09:00:00 -050051:08falsefull1313In Conversation with Ethan Bloch | The Restive PerspectiveIn Conversation with Ethan Bloch | The Restive PerspectiveEthan Bloch is the founder of Digit, one of the leading fintech companies of the past decade which sold to Oportun in 2021. In this conversation, Ethan reflect on his leadership journey, what he learned from his first company, and where he sees opportunity as he looks to build Digit’s second act. 

This is an audio session that was recorded as part of a Go Restive event in February 2025. As a lead up to the session, Cameron and Ryan discuss the conversation and their takeaways and highlights. 

About Restive:

Restive is a seed stage fintech venture capital fund. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.


About The Restive Perspective:

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today. 


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins

]]>Ethan Bloch is the founder of Digit, one of the leading fintech companies of the past decade which sold to Oportun in 2021. In this conversation, Ethan reflect on his leadership journey, what he learned from his first company, and where he sees opportunity as he looks to build Digit’s second act. 

This is an audio session that was recorded as part of a Go Restive event in February 2025. As a lead up to the session, Cameron and Ryan discuss the conversation and their takeaways and highlights. 

About Restive:

Restive is a seed stage fintech venture capital fund. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.


About The Restive Perspective:

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today. 


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins

]]>e48cceef-0429-4db6-891a-08b8f8b7072cWed, 25 Jun 2025 09:00:00 -050040:55falsefull1212In conversation with Ken Lin | The Restive PerspectiveIn conversation with Ken Lin | The Restive PerspectiveKen Lin is the founder of Credit Karma, and one of the pioneers of the modern era of fintech. In his first conversation since stepping back from Intuit late last year, he shares his reflections on the Credit Karma journey, what he learned by leaning into authenticity, and what's next.

This is an audio session that was recorded as part of a Go Restive event in February 2025. As a lead up to the session, Cameron and Ryan discuss the conversation and their takeaways and highlights.


About Restive:

Restive is a seed stage fintech venture capital fund. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.


About The Restive Perspective:

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins

]]>Ken Lin is the founder of Credit Karma, and one of the pioneers of the modern era of fintech. In his first conversation since stepping back from Intuit late last year, he shares his reflections on the Credit Karma journey, what he learned by leaning into authenticity, and what's next.

This is an audio session that was recorded as part of a Go Restive event in February 2025. As a lead up to the session, Cameron and Ryan discuss the conversation and their takeaways and highlights.


About Restive:

Restive is a seed stage fintech venture capital fund. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.


About The Restive Perspective:

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins

]]>9653eee2-e186-4478-bb08-6d21491f29dcTue, 20 May 2025 09:00:00 -050045:36falsefull1111In conversation with Rashmi Melgiri | Functional FinanceIn conversation with Rashmi Melgiri | Functional FinanceMeet Rashmi Melgiri. After a successful run as the #2 at Coverwallet, Rashmi saw a problem she was uniquely fit to solve– and she was driven to do it from the CEO seat herself. In this episode we feature: 

  • Her company Functional Finance
  • Her leadership journey and what it took to establish her own, authentic voice
  • How she stepped off the consultant trajectory and became a founder
  • How she was uniquely positioned to identify and act on a problem she saw in the market
  • Lessons from running a company for a second time around
  • A surprise puppet
  • And much more!

About Functional Finance:

Our mission is to empower insurance companies with innovative financial software. By making billing, payments, and reconciliation work together in one easy-to-use platform, our clients can focus on delivering exceptional service and growing their business.

https://www.functionalfi.com/

About Restive:

Restive is a seed stage fintech venture capital fund. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.

About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.

fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins

]]>Meet Rashmi Melgiri. After a successful run as the #2 at Coverwallet, Rashmi saw a problem she was uniquely fit to solve– and she was driven to do it from the CEO seat herself. In this episode we feature: 

  • Her company Functional Finance
  • Her leadership journey and what it took to establish her own, authentic voice
  • How she stepped off the consultant trajectory and became a founder
  • How she was uniquely positioned to identify and act on a problem she saw in the market
  • Lessons from running a company for a second time around
  • A surprise puppet
  • And much more!

About Functional Finance:

Our mission is to empower insurance companies with innovative financial software. By making billing, payments, and reconciliation work together in one easy-to-use platform, our clients can focus on delivering exceptional service and growing their business.

https://www.functionalfi.com/

About Restive:

Restive is a seed stage fintech venture capital fund. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.

About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.

fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins

]]>4e95ed8c-8a6a-46b5-8049-3755295f698eFri, 18 Apr 2025 09:00:00 -050029:40falsefull1010In conversation with Ximena Aleman of Prometeo (Episode 9)In conversation with Ximena Aleman of Prometeo (Episode 9)Meet Ximena Aleman, the co-founder & CEO of Prometeo. After realizing the potential of open banking in Latin America, Ximena went on a journey of learning the importance of "market" fit in the "product market fit" equation. Hear that story and much more!  

In this episode, we discuss:

  • Ximena's transition from journalism to tech, which was driven by her fascination with entrepreneurial stories.
  • How it took multiple pivots to arrive at Prometeo.
  • Going from No, no, no to yes, yes, yes: Her journey of product-market fit was more like market-product fit. 
  • Building a strong network was crucial for securing funding and support.

About Prometeo: We are the leading fintech infrastructure company connecting global corporations with financial institutions in Latin America and the United States. We create innovative technological infrastructure, specializing in banking APIs.

About Restive:

Restive is a seed stage fintech venture capital fund. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.


About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.

fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins


Learn more about The Restive Perspective and Restive Ventures at www.restive.com.

]]>Meet Ximena Aleman, the co-founder & CEO of Prometeo. After realizing the potential of open banking in Latin America, Ximena went on a journey of learning the importance of "market" fit in the "product market fit" equation. Hear that story and much more!  

In this episode, we discuss:

  • Ximena's transition from journalism to tech, which was driven by her fascination with entrepreneurial stories.
  • How it took multiple pivots to arrive at Prometeo.
  • Going from No, no, no to yes, yes, yes: Her journey of product-market fit was more like market-product fit. 
  • Building a strong network was crucial for securing funding and support.

About Prometeo: We are the leading fintech infrastructure company connecting global corporations with financial institutions in Latin America and the United States. We create innovative technological infrastructure, specializing in banking APIs.

About Restive:

Restive is a seed stage fintech venture capital fund. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.


About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.

fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins


Learn more about The Restive Perspective and Restive Ventures at www.restive.com.

]]>4c34ebd0-adfe-4a02-be21-b5f5b425e67dThu, 12 Dec 2024 10:00:00 -050026:07falsefull99In conversation with Natasha Vernier of Cable (Episode 5)In conversation with Natasha Vernier of Cable (Episode 5)Meet Natasha Vernier, co-founder and CEO of Cable. A compliance leader within banking, she never harbored aspirations about being an entrepreneur- until she came across a glaringly obvious problem she couldn't turn away from. And from there Cable was born.

In this episode we dive into:

  • Natasha's early journey and what compelled her to start Cable
  • How she started her fundraise, and why she pushed for a higher initial salary
  • Compiling a diverse cap table
  • Her role as an LGBTQ+ leader in tech
  • Cable's operating system and how she managed to refine their principles

And much more!

About Cable: Cable is the all-in-one effectiveness testing platform that helps you comply with your financial crime requirements. Whether you add 1 control or add 1,000 accounts, Cable is your central hub for complete automated controls monitoring as your business scales — and you won’t need to add more headcount. Say goodbye to manual dip sampling; say yes to growth with confidence in your compliance. Learn more at cable.tech.

About Restive: Restive is a seed stage fintech venture capital fund organized around speed. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow. To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.

About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


Follow us on Twitter:  

 / restivevc  

Follow us on LinkedIn:  

Meet Natasha Vernier, co-founder and CEO of Cable. A compliance leader within banking, she never harbored aspirations about being an entrepreneur- until she came across a glaringly obvious problem she couldn't turn away from. And from there Cable was born.

In this episode we dive into:


And much more!

About Cable: Cable is the all-in-one effectiveness testing platform that helps you comply with your financial crime requirements. Whether you add 1 control or add 1,000 accounts, Cable is your central hub for complete automated controls monitoring as your business scales — and you won’t need to add more headcount. Say goodbye to manual dip sampling; say yes to growth with confidence in your compliance. Learn more at cable.tech.

About Restive: Restive is a seed stage fintech venture capital fund organized around speed. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow. To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.

About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


Follow us on Twitter:  

 / restivevc  

Follow us on LinkedIn:  

 / restiveventures  


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins

]]>1ae195b4-874e-4204-9fa1-c1bbc09e39fdMon, 07 Oct 2024 09:00:00 -050024:13falsefull55In conversation with Stephany Kirkpatrick of Orum (Episode 4)In conversation with Stephany Kirkpatrick of Orum (Episode 4)Meet Stephany Kirkpatrick, the founder and CEO of Orum. After joining LearnVest as an early employee and helping grow the company through their acquisition, she decided to strike out on her own. Always curious about why the payments ecosystem hadn't innovated in fifty years, she decided to create Orum to make money movement faster and immediate. She's overcome the challenge of being a solo, non-technical founder to raising through her Series B to investors like Inspired, Bain Capital, and Accel.

About Orum: Orum is the simplest API for fast, reliable payments. Learn more at Orum.io

About Restive:

Restive is a seed stage fintech venture capital fund. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.

About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.

fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins


Learn more about The Restive Perspective and Restive Ventures at www.restive.com.

]]>Meet Stephany Kirkpatrick, the founder and CEO of Orum. After joining LearnVest as an early employee and helping grow the company through their acquisition, she decided to strike out on her own. Always curious about why the payments ecosystem hadn't innovated in fifty years, she decided to create Orum to make money movement faster and immediate. She's overcome the challenge of being a solo, non-technical founder to raising through her Series B to investors like Inspired, Bain Capital, and Accel.

About Orum: Orum is the simplest API for fast, reliable payments. Learn more at Orum.io

About Restive:

Restive is a seed stage fintech venture capital fund. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.

About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.

fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins


Learn more about The Restive Perspective and Restive Ventures at www.restive.com.

]]>0ae0150d-75c0-4154-99f4-6f32061745eeMon, 07 Oct 2024 09:00:00 -050026:59falsefull44In conversation with Nami Baral from Niural (episode 3)In conversation with Nami Baral from Niural (episode 3)Meet Nami Baral. Born into a conservative family in Nepal, she decided to leave for America- and eventually become a successful multi-time founder. Meet Nami Baral, the Founder/ CEO of Niural (and previously the Founder/ CEO of Harvest).

Here, we dive into Nami’s story, where she shares:

-How she has taken calculated bets all her life, which gave her the perspective and confidence to launch Harvest and then Niural.

-How she continued to iterate to find product market fit at Harvest, and that once she found her ‘aha’ moment she went all in.

-That for her second company, she decided to have multiple co-founders to have meaningful help while building.

-What she’s building at Niural and how she’s hoping to transform payroll.

Watch to learn more about Nami, and check out the other amazing interviews we’ve done with founders.

About Niural:

Niural's all-in-one payroll, team management and compliance platform helps you streamline your hiring process, manage global payroll, and keep tabs on compliance.

Learn more about Niural by visiting https://www.niural.com/.

About Restive:

Restive is a seed stage fintech venture capital fund organized around speed. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.


About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins

]]>Meet Nami Baral. Born into a conservative family in Nepal, she decided to leave for America- and eventually become a successful multi-time founder. Meet Nami Baral, the Founder/ CEO of Niural (and previously the Founder/ CEO of Harvest).

Here, we dive into Nami’s story, where she shares:

-How she has taken calculated bets all her life, which gave her the perspective and confidence to launch Harvest and then Niural.

-How she continued to iterate to find product market fit at Harvest, and that once she found her ‘aha’ moment she went all in.

-That for her second company, she decided to have multiple co-founders to have meaningful help while building.

-What she’s building at Niural and how she’s hoping to transform payroll.

Watch to learn more about Nami, and check out the other amazing interviews we’ve done with founders.

About Niural:

Niural's all-in-one payroll, team management and compliance platform helps you streamline your hiring process, manage global payroll, and keep tabs on compliance.

Learn more about Niural by visiting https://www.niural.com/.

About Restive:

Restive is a seed stage fintech venture capital fund organized around speed. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.


About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins

]]>774ecbdf-916b-49dd-8104-7febae8ef84aMon, 07 Oct 2024 09:00:00 -050024:31falsefull33In conversation with Katrin Kaurov from Frich (episode 2)In conversation with Katrin Kaurov from Frich (episode 2)Meet Katrin Kaurov, the Co-Founder/ CEO of Frich, a social finance app aimed at Gen Z. Katrin became an international fashion model at age 14, and had to start managing money at an early age. As she grew up she realized that so many others were struggling to manage money, and she decided to do something about it. Luckily with her background- she knew how to make it cool.

This is our second episode in our series The Restive Perspective, which features a series about female CEOs and the journeys the took to launch their companies.

About Frich:

We wanted to break the money taboo and make money a social topic. That's why we created Frich. We believe in 100% transparency and raw truth. As a user, you can see how you compare to people just like you in all areas related to money. This gives you the confidence to make quick decisions that align with your financial situation. When it comes to money, sometimes there's no time for goal-setting—you just need to figure out the best thing to do as quickly as possible. That's what we aim to provide at Frich—a clear view of where you stand financially compared to your peers and potential solutions that have worked for your community.

At night, when we close our eyes, we dream of a world where everyone can feel confident about money, regardless of the school they went to or the family they grew up in. Join us at Frich, and let's make money a topic that's social and empowering!

Learn more about Katrin and Frich at https://www.getfrich.com/.

About Restive:

Restive is a seed stage fintech venture capital fund organized around speed. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.

About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.

To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins


Get in touch with us at info@restive.com!

]]>Meet Katrin Kaurov, the Co-Founder/ CEO of Frich, a social finance app aimed at Gen Z. Katrin became an international fashion model at age 14, and had to start managing money at an early age. As she grew up she realized that so many others were struggling to manage money, and she decided to do something about it. Luckily with her background- she knew how to make it cool.

This is our second episode in our series The Restive Perspective, which features a series about female CEOs and the journeys the took to launch their companies.

About Frich:

We wanted to break the money taboo and make money a social topic. That's why we created Frich. We believe in 100% transparency and raw truth. As a user, you can see how you compare to people just like you in all areas related to money. This gives you the confidence to make quick decisions that align with your financial situation. When it comes to money, sometimes there's no time for goal-setting—you just need to figure out the best thing to do as quickly as possible. That's what we aim to provide at Frich—a clear view of where you stand financially compared to your peers and potential solutions that have worked for your community.

At night, when we close our eyes, we dream of a world where everyone can feel confident about money, regardless of the school they went to or the family they grew up in. Join us at Frich, and let's make money a topic that's social and empowering!

Learn more about Katrin and Frich at https://www.getfrich.com/.

About Restive:

Restive is a seed stage fintech venture capital fund organized around speed. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.

About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.

To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins


Get in touch with us at info@restive.com!

]]>b2c3453b-a571-417b-af2c-02be88378875Mon, 07 Oct 2024 09:00:00 -050027:10falsefull22In conversation with Ana Mahoney from Addition Wealth (episode 1)In conversation with Ana Mahoney from Addition Wealth (episode 1)Meet Ana Mahoney, the Founder/ CEO of Addition Wealth. The Restive Perspective features a series highlighting female CEOs, where we tell the stories and strategies of women in the CEO seat – especially as they made the leap to found their companies.

Ana is an inspiring leader and fierce operator, and we’re excited to share her story about how she wasn’t satisfied with any job out there- and so decided to create her own. Enjoy!

About Addition:

Addition is a holistic financial health platform that supports employees in taking action to control their financial lives. We are passionate about helping individuals with their personal finances, and we are technologists and financial experts committed to making finances easier to understand so employees can make smart financial decisions.

To learn more about Ana and her company, Addition Wealth, please visit https://www.additionwealth.com/.

About Restive:

Restive is a seed stage fintech venture capital fund organized around speed. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.


About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins

]]>Meet Ana Mahoney, the Founder/ CEO of Addition Wealth. The Restive Perspective features a series highlighting female CEOs, where we tell the stories and strategies of women in the CEO seat – especially as they made the leap to found their companies.

Ana is an inspiring leader and fierce operator, and we’re excited to share her story about how she wasn’t satisfied with any job out there- and so decided to create her own. Enjoy!

About Addition:

Addition is a holistic financial health platform that supports employees in taking action to control their financial lives. We are passionate about helping individuals with their personal finances, and we are technologists and financial experts committed to making finances easier to understand so employees can make smart financial decisions.

To learn more about Ana and her company, Addition Wealth, please visit https://www.additionwealth.com/.

About Restive:

Restive is a seed stage fintech venture capital fund organized around speed. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow.


About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins

]]>b5424cf1-5efb-4199-b81d-8b2ad7bce588Mon, 07 Oct 2024 09:00:00 -050026:12falsefull11In conversation with Maya Dadoo of Worky (Episode 7)In conversation with Maya Dadoo of Worky (Episode 7)Meet Maya Dadoo. As the founder/ CEO of Worky, Maya not only brought modern payroll and HR tech to Mexico, but helped to herald a new wave of tech innovation in the country.

In this episode, we discuss:

  • Realizing the major market opportunity for HR and payroll after moving with Ebay from the US to Mexico
  • How she made the decision to move her product upmarket
  • How she’s approached having US and Mexican investors on her cap table

And much more!

Also, excitingly, Maya raised a Series A round since we recorded the video— so a big congrats to her and the team!

About Worky: Worky is an all-in-one HR software and payroll platform for Mexican SMBs. Through Worky, a company can automate employee files, PTO management, recruiting, evaluations, payroll, employee benefits, and more. Using the wealth of employee centric and performance information generated through its software, it can better serve employees and offer fairer and more relevant financial products.

About Restive: Restive is a seed stage fintech venture capital fund organized around speed. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow. To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.

About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


Listen to our podcast, The Restive Perspective on Spotify: https://open.spotify.com/show/6cKgWxz...\


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins


Learn more about The Restive Perspective and Restive Ventures at www.restive.com.

]]>Meet Maya Dadoo. As the founder/ CEO of Worky, Maya not only brought modern payroll and HR tech to Mexico, but helped to herald a new wave of tech innovation in the country.

In this episode, we discuss:

  • Realizing the major market opportunity for HR and payroll after moving with Ebay from the US to Mexico
  • How she made the decision to move her product upmarket
  • How she’s approached having US and Mexican investors on her cap table

And much more!

Also, excitingly, Maya raised a Series A round since we recorded the video— so a big congrats to her and the team!

About Worky: Worky is an all-in-one HR software and payroll platform for Mexican SMBs. Through Worky, a company can automate employee files, PTO management, recruiting, evaluations, payroll, employee benefits, and more. Using the wealth of employee centric and performance information generated through its software, it can better serve employees and offer fairer and more relevant financial products.

About Restive: Restive is a seed stage fintech venture capital fund organized around speed. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow. To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.

About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


Listen to our podcast, The Restive Perspective on Spotify: https://open.spotify.com/show/6cKgWxz...\


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins


Learn more about The Restive Perspective and Restive Ventures at www.restive.com.

]]>0b7eaf9c-203b-4182-bf7a-cf27b349bc19Mon, 07 Oct 2024 05:00:00 -050022:41falsefull77In conversation with Naré Vardanyan of Ntopy (Episode 6)In conversation with Naré Vardanyan of Ntopy (Episode 6)Meet Naré Vardanyan, founder & CEO of Ntropy. Originally from Armenia, Naré turned to entrepreneurship after college as her path to stay in the US- and she got hooked. Now on her second startup, she decided to tackle the challenge of deciphering financial data - especially across borders – and set about to fix it.

In this episode we dive into:

  • Nare's excitement about AI and the advancements she’s seen since starting Ntropy
  • How to build momentum in a fundraise
  • Gaining confidence as a leader- particularly around managing people and saying “no”
  • Her story around building traction in the company- and how close they came to stopping

And much more!

About Ntropy: Ntropy aims to democratize financial data across various sources, languages, and geographies. Ntropy's APIs and models are reshaping the landscape of financial services through building language models to understand financial data at scale, regardless of source, format, geo or language.

About Restive: Restive is a seed stage fintech venture capital fund organized around speed. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow. To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.

About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


Listen to our podcast, The Restive Perspective on Spotify: https://open.spotify.com/show/6cKgWxz...\


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins


Learn more about The Restive Perspective and Restive Ventures at www.restive.com.

]]>Meet Naré Vardanyan, founder & CEO of Ntropy. Originally from Armenia, Naré turned to entrepreneurship after college as her path to stay in the US- and she got hooked. Now on her second startup, she decided to tackle the challenge of deciphering financial data - especially across borders – and set about to fix it.

In this episode we dive into:

  • Nare's excitement about AI and the advancements she’s seen since starting Ntropy
  • How to build momentum in a fundraise
  • Gaining confidence as a leader- particularly around managing people and saying “no”
  • Her story around building traction in the company- and how close they came to stopping

And much more!

About Ntropy: Ntropy aims to democratize financial data across various sources, languages, and geographies. Ntropy's APIs and models are reshaping the landscape of financial services through building language models to understand financial data at scale, regardless of source, format, geo or language.

About Restive: Restive is a seed stage fintech venture capital fund organized around speed. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow. To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.

About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


Listen to our podcast, The Restive Perspective on Spotify: https://open.spotify.com/show/6cKgWxz...\


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins


Learn more about The Restive Perspective and Restive Ventures at www.restive.com.

]]>48a98b8b-8ae4-45ef-8b6f-44087fc53ad3Mon, 07 Oct 2024 05:00:00 -050029:03falsefull66In conversation with Trisha Kothari of Unit21 (Episode 8)In conversation with Trisha Kothari of Unit21 (Episode 8)Meet Trisha Kothari of Unit21. Her story is one of absolute perseverance, pushing through a challenging sales period early in the company to eventually become a leader in the fraud space. In this episode we cover:

  • Trisha's early career and how she gained the conviction to launch a company
  • The importance of community and accountability as she developed Unit21
  • The long and challenging path to bring on her first customer
  • Fundraising

And much more!


About Unit21: Unit21’s Risk and Compliance Infrastructure empowers your team to proactively combat financial crime and make informed decisions throughout the customer lifecycle. Configurable to your organization’s unique risk profile, Unit21 unifies data silos into a comprehensive, end-to-end solution that helps reduce the impact of financial crime on your organization and your customers.


About Restive: Restive is a seed stage fintech venture capital fund organized around speed. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow. To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


Follow us on Twitter:  

 / restivevc  

Follow us on LinkedIn:  

 / restiveventures  


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story,...]]>Meet Trisha Kothari of Unit21. Her story is one of absolute perseverance, pushing through a challenging sales period early in the company to eventually become a leader in the fraud space. In this episode we cover:

  • Trisha's early career and how she gained the conviction to launch a company
  • The importance of community and accountability as she developed Unit21
  • The long and challenging path to bring on her first customer
  • Fundraising

And much more!


About Unit21: Unit21’s Risk and Compliance Infrastructure empowers your team to proactively combat financial crime and make informed decisions throughout the customer lifecycle. Configurable to your organization’s unique risk profile, Unit21 unifies data silos into a comprehensive, end-to-end solution that helps reduce the impact of financial crime on your organization and your customers.


About Restive: Restive is a seed stage fintech venture capital fund organized around speed. We are former founders and operators and we aim to be your most helpful investor. We help you bridge the seed to A with capital and key industry partners in financial services to give you what you need to grow. To learn more about Restive and get in touch with us, please visit us at https://www.restive.com/.


About The Restive Perspective

The Restive Perspective is a series from Restive Ventures about our views on the market. We share founder interviews, commentary on the tech and VC industries, and other timely content to advance the discussion about the state of technology and fintech today.


Follow us on Twitter:  

 / restivevc  

Follow us on LinkedIn:  

 / restiveventures  


fintech, venture, investing, Ryan Falvey, Cameron Peake, Tyler Griffin, VC, podcast, story, personal, background, founder story, founder origins

]]>b97c79c0-3e8d-412c-a376-82f6e039d606Mon, 07 Oct 2024 01:30:00 -050026:23falsefull88