When I decided to sell my company, I already had enough. I live simply. I don’t own a house, a car, or even a TV. The less I own, the happier I am. The lack of stuff gives me the priceless freedom to live anywhere anytime. So I didn’t need or even want the money from the sale of the company. I just wanted to make sure I had enough for a simple comfortable life. The rest should go to music education, since that’s what made such a difference in my life.

They win the respect, the deserved trust, of the people they deal with, and there is huge pleasure in life to be obtained from getting deserved trust. And so the way to get it is to deliver what you’d want to buy if the circumstances were reversed.

And so I ran. I ran up and down every court After every loose ball for you. You asked for my hustle I gave you my heart Because it came with so much more.

Our business everyday is to make money for people. And I take it as seriously as doctors who are trying to cure cancer, because by giving people financial freedom, we allow them to do great things in their lives - from retire to send their kids to college, to buy their first house, to fund a business that they might want to start.

Pix is probably the most successful payment infrastructure run by a government in history. I think Pix has been what has allowed a country like Brazil to leapfrog developed economies like the U.S. and in Europe, and has positioned Brazil today probably five years ahead of the U.S. I don't think anybody understands that, and probably in the U.S. they didn't really expect that.

Un constructor.

The simplicity and yet profoundness of the above logic leads us to conclude that for us the most natural and truthful path is to invest this wealth until "our last check bounces", as one of our personal heroes, Chuck Feeney, likes to say.

No, falta mucho por construir. Estoy muy contento con lo que hemos podido construir en Nubank en estos casi diez años. En lo personal, tengo una familia con cuatro niños chiquitos y eso es un desafío gigantesco, que crezcan, sean buenas personas y lleguen a ser buenos ciudadanos. Es un gran desafío en el que estoy muy enfocado.

Me gustaría que la gente se viera empoderada a construir, a resolver problemas. Que salgamos muchas veces de esa visión de víctimas en la que dependemos de muchas fuerzas. Que veamos problemas como grandes oportunidades para ayudar a resolver. Por ejemplo, frente a esa mala experiencia con los bancos, como me pasó en Brasil, mucha gente se hubiera sentado y quejado del banco. Pero vi una oportunidad gigantesca de ir y competir contra él.

Sí, empezamos desde cero. Pedimos una licencia de financiamiento comercial, pero es difícil comenzar porque la banca se basa en confianza, regulación y escala. Hay barreras regulatorias que dificultan la entrada de nuevos jugadores. Es un sector históricamente cerrado, que favorece a los incumbentes. Aun así, logramos construir una marca fuerte y generar confianza en los consumidores.