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We went to Y Combinator with a VR idea. Two weeks in, we killed it and pivoted to corporate cards. YC said: you're insane. Then they backed us.
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We applied to Y Combinator and got rejected. Then we applied again and got in. The product was the same. The traction was different. YC doesn't bet on ideas. They bet on numbers.
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We started at Y Combinator as two guys who did not know anything about payments. We just knew that every business in Southeast Asia was struggling to get paid online.