The Ledger

Every statement that passed quotation and attribution checks. Mix any filter with any other: certainty 1/5, debate potential 5/5, or both at once.

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why aren't all 7 resolved? a statement only gets an assessment when the public record can support or contradict it. opinions and what-ifs never can, and 7 checkable ones are still open, waiting for their date. predictions held up or didn't; assertions are supported or contradicted. on every card: ▮▮▮▮▮ certainty · ▮▮▮▮▮ debate potential. speakers are clickable

Prediction Open · timeframe Aug 2026
Nubank Will Eventually Become the Largest Bank in the World
“Nubank is not only the largest challenger bank in the world. We think one day it could become the largest bank without the challenger. They will become an incumbent bank, the number one in the world”
Nicolas Szekasy Aug 16, 2021 ▶ 18:03 20VC LATAM: LATAM's Largest Fund, Kaszek Ventures on Scaling from $100M to $1BN, Why Capital is not a Source of Moat & Why LATAM is More Than Copycat Companies with Nicolas Szekasy, Co-Founder @ Kaszek Ventures
Prediction Open · timeframe Feb 2029
Siemiatkowski: Nubank will outperform Revolut in US expansion
“I think I have to go with David. Because I think, ah, Nick's challenge right now might be that he is so distributed. I mean, he's trying to go for the whole world, right? I mean, he's launching in Dubai. He's launching in India. He's launching everywhere. You …”
Sebastian Siemiatkowski Feb 16, 2026 ▶ 30:25 Klarna CEO: SaaS is Dead: Why Systems of Record Will Die in an Agentic World · 20VC with Harry Stebbings
Prediction Open · timeframe Sep 2028
Velez: Nubank sees path to become largest bank in Brazil, Mexico, Colombia
“When we go to these three countries, Brazil, Mexico, and Colombia, we go after big markets where we see a path to be Probably the largest financial institution in each one of these countries eventually, because we are the primary bank account and we become the…”
David Vélez Sep 11, 2023 ▶ 21:11 David Velez: How AI Changes The Future of Finance | E1059 · 20VC with Harry Stebbings
Prediction Open · timeframe Sep 2033
Velez: More Nubank-scale tech giants will emerge in LATAM within 10 years
“I do think now that the kind of the setup for more new banks in the region exists. And you'll see them over the next five to 10 years.”
David Vélez Sep 11, 2023 ▶ 15:10 David Velez: How AI Changes The Future of Finance | E1059 · 20VC with Harry Stebbings
Prediction Open · timeframe Sep 2028
Velez: Nubank will expand beyond Latin America and fintech by 2028
“We would have Become the leading financial institution in Latin America, especially in these three markets. Clearly, we made that, we kind of checked that box. We've gone beyond Latin America. Not sure exactly where, but we've gone beyond in terms of internati…”
David Vélez Sep 11, 2023 ▶ 1:08:01 David Velez: How AI Changes The Future of Finance | E1059 · 20VC with Harry Stebbings
Prediction Open · timeframe Sep 2033
Velez: Nubank will favor organic growth over M&A for the next decade
“I think this means a bias, even a bigger bias to build organically versus an M&A driven strategy as we think about the next five to 10 years of growth in the business.”
David Vélez Sep 11, 2023 ▶ 54:31 David Velez: How AI Changes The Future of Finance | E1059 · 20VC with Harry Stebbings
Prediction Open · timeframe Sep 2028
Velez: Nubank will not enter e-commerce logistics or direct retail
“We're not the e-commerce. We don't want to be the e-commerce. We don't want to get into logistics, but we are a platform that cross sells all our products to these consumers.”
David Vélez Sep 11, 2023 ▶ 31:38 David Velez: How AI Changes The Future of Finance | E1059 · 20VC with Harry Stebbings
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