The opportunity in simplifying complex processes, like mortgage applications or insurance, is significant and often overlooked.

Currently, the financial world is layered with investment advisors and brokers, making it difficult for individuals to access opportunities. We aim to tokenize real-world assets and make financial products more accessible globally.

We aim to provide financial services that are typically available to wealthy individuals to everyone, leveraging technology to level the playing field.

Creating a product that is easy to use and integrates well with existing solutions is key to reducing friction for customers.

In banking, there's a unique opportunity to create products that are self-hedged, allowing companies to navigate economic fluctuations more effectively.

We faced challenges in providing flexibility in rates and creating a single API for platforms to sell travel without needing to build every component from scratch, which is essential for a fintech company like ours.

My hope is that service fees in finance decrease significantly, as the goal should be to build systems that ultimately reduce user fees, rather than wasting time and resources.

We built Plaid to create a new financial infrastructure that allows consumers to link their bank accounts to digital applications, addressing the outdated banking system that required in-person visits for most transactions.

We wanted to tackle a problem that wasn't just for Silicon Valley, but something that affected small businesses across the country and the world, specifically making payroll easier and simpler.