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Kristo Käärmann

Co-founder and CEO, Wise · 1 appearance on the record.

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founderexecutive@kaarmann ↗wise.com ↗

Kristo Käärmann is the co-founder and CEO of Wise, formerly TransferWise. He co-founded the cross-border payments company in 2011 and led it to a direct listing on the London Stock Exchange in 2021.

4statements → 1claims → 0claims resolved → 4.25/5average certainty → 2/5average debate potential → 1said about them ↓

1 not checkable as stated how the 1 claim stands · each chip opens the sources

1 prediction · 1 insight · 2 disclosures · every statement was checked. The prediction and assertions are the 1 claim: statements the public record can support or contradict. 0 are resolved, and 1 names no date, number or outcome precise enough to check. Everything else (opinions, insights, what ifs, disclosures) can never be settled by the record, so it carries no assessment.

Everything Kristo Käärmann said on the a16z Podcast that made the record, most notable first. Filter by type, assessment or year in the ledger →

Prediction Not checkable as stated
Käärmann: Future payment processing fees will drop far below 49 bps
“You can't really imagine the future of payments costing even 49 basis points. It doesn't, just doesn't make sense. You know exactly how, if you know how payments, card payments work, you know, electrons go from the terminal or one web browser through the gatew…”
Kristo Käärmann Jan 2, 2019 ▶ 16:23 a16z Podcast | The Future of Money and Monetization
Disclosure
TransferWise spent nine months securing UK regulatory licenses before launching product
“People have told me that I was stupid because I chose the other way. I spent about nine months before showing the product to anyone, going through the FCA, then FSA regulation process and licensing. So we took the way, unlike Uber or Airbnb, to be a fully lice…”
Kristo Käärmann Jan 2, 2019 ▶ 2:01 a16z Podcast | The Future of Money and Monetization
Insight
Käärmann: Customer acquisition for TransferWise is about educating users on hidden fees
“So for us, the customer acquisition problem is really explaining the problem.”
Kristo Käärmann Jan 2, 2019 ▶ 4:36 a16z Podcast | The Future of Money and Monetization
Disclosure
Käärmann: TransferWise pays millions annually across 52 banking partners
“In every country where we are, we have banking partners and infrastructure, so it's about 52 bankers that we, ah, that we pay fees to, and you know, in total, that's multiple millions a year.”
Kristo Käärmann Jan 2, 2019 ▶ 8:46 a16z Podcast | The Future of Money and Monetization

The other half of the tape: Kristo Käärmann's own voice is left out of every number here. Other people bring the name up 1 time in 1 episode on the a16z Podcast. every mention, with the transcript →

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Appearances (1)

EpisodeDateSpeaking time
a16z Podcast | The Future of Money and Monetization Jan 2, 2019 5m
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