Cambrian Fintech with Rex Salisbury

the founders, operators and investors shaping the future of financial services.

Author: Rex Salisbury

Conversations with founders, operators, and investors shaping the future of financial services. Hosted by the founder of Cambrian Ventures, Rex Salisbury. Rex previously was a Partner at A16Z, where he helped launch the fintech vertical. He has over a decade of experience working in finance & fintech primarily as a software engineer before becoming a venture capitalist. visit cambrianhq.com to learn more.
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Genres: Business, Entrepreneurship, Investing

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$70B Nubank Eyes US Banking (Co-Founder Reveals Strategy)
Episode 38
Friday, 5 December, 2025

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 News00:03:34 - Why US? Cost Edge, Customer Demand00:07:30 - Three Misfits Quit Bank to Start Nubank00:10:16 - Capital One Lessons Shape Credit Cards00:13:58 - Purple Card Launch: Viral Pull Effect00:17:14 - Waitlist Fuels Organic Early Growth00:20:05 - 2016 Crisis: Customers Save Nubank00:23:04 - Accounts Launch: Self-Funded Destiny00:26:28 - Inclusion Stats: 80% First-Time Savers00:30:04 - Mexico 2019: Underpenetrated Market00:33:32 - IPO at 8 Months Pregnant, No Finish Line00:37:08 - US Team: Miami Hub, Tech Hires00:41:54 - Stablecoins Real: #2 in Brazil00:45:14 - AI Transforming Underwriting, Support00:48:05 - Founder Advice: Homework, No Perfect Time00:52:33 - Culture: Avoid Negativity, Hire Aligned___Rex Salisbury LinkedIn:↪︎ https://www.linkedin.com/in/rexsalisburyTwitter: https://twitter.com/rexsalisburyTikTok: https://www.tiktok.com/@rex.salisburyInstagram: https://www.instagram.com/rexsalisbury/#NubankUSExpansion #FintechDisruption #ChristinaNubank