“
The best startups solve problems their founders have personally experienced.
“
Credit cards are designed to be confusing. We built Affirm to be the opposite.
“
If you're not embarrassed by the first version of your product, you've launched too late.
“
Fraud detection at PayPal was an arms race. The fraudsters were incredibly creative. We had to be more creative.
“
I came to this country with nothing. That gives you a very different relationship with risk — when you've already lost everything once, starting over isn't as scary.