URGENCY

On January 25, 2020, I read a medical paper about a new virus in Wuhan. By January 27, we had started designing the vaccine. There was no committee meeting. I just told my team: this is it.

I was at Lehman Brothers when it collapsed. I watched a 158-year-old bank disappear overnight. That taught me two things: institutions are fragile, and complacency kills. I run Revolut like it could die tomorrow.

Cloud is not the future. Cloud is the present. We had to move fast or be left behind.

We dropped out of Stanford because AI video generation was moving too fast to wait for a PhD.

Protecting 30% of the earth’s land and ocean by 2030 isn’t charity. It’s survival math.

A company that gets comfortable is a company that is about to die.

The next decade will be the most important in human history because of AI.

Perpetual endowments are a cop-out. Give the money now, when it can do the most good.