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

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Rex Salisbury LinkedIn:

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#NubankUSExpansion #FintechDisruption #ChristinaNubank