Raph Howery

Everything Raph Howery said on any show that made the record, most notable first. Each card names its show and opens the statement there.

TOP FOUNDERS Prediction Not checkable as stated

Howery: 3% mortgage rates will probably never happen again in our lifetime

“People are not buying because everybody's still betting that they want to go back to the three percent mortgage date, which probably never going to happen in our lifetime.”

Raph Howery Jan 21, 2026 ▶ 21:26 Bootstrapping to $5M ARR: How Kukun Scales SaaS for Banks and Fintechs

TOP FOUNDERS Assertion Not checkable as stated

Howery: Kukun serves 20 to 25 enterprise B2B customers

“No, it's not in the 5000. It's definitely not in the five either. We are in about the 20 to 25.”

Raph Howery Jan 21, 2026 ▶ 3:18 Bootstrapping to $5M ARR: How Kukun Scales SaaS for Banks and Fintechs

TOP FOUNDERS Assertion Not checkable as stated

Kukun processes 400,000 to 500,000 monthly address requests across all clients

“I'm gonna have to guess around maybe somewhere between 400,000 to 500,000 between the big and small clients.”

Raph Howery Jan 21, 2026 ▶ 6:25 Bootstrapping to $5M ARR: How Kukun Scales SaaS for Banks and Fintechs

TOP FOUNDERS Disclosure

Kukun charges $10,000 to $50,000 monthly for average 20,000-usage tiers

“No, no, it's a, it just ranges between, it depends on the bells and whistles, but it ranges between 10,000 a month to about, let's say, 50,000 a month.”

Raph Howery Jan 21, 2026 ▶ 7:36 Bootstrapping to $5M ARR: How Kukun Scales SaaS for Banks and Fintechs

TOP FOUNDERS Disclosure

Kukun has raised $7M from private investors excluding founder capital

“If you exclude me about seven million.”

Raph Howery Jan 21, 2026 ▶ 11:54 Bootstrapping to $5M ARR: How Kukun Scales SaaS for Banks and Fintechs

TOP FOUNDERS Disclosure

Kukun CEO Raph Howery has personally invested over $1M into Kukun

“Let's say we, I put in north of a million dollar into that business.”

Raph Howery Jan 21, 2026 ▶ 12:08 Bootstrapping to $5M ARR: How Kukun Scales SaaS for Banks and Fintechs

TOP FOUNDERS Disclosure

Kukun CEO: 85% of company headcount is in India and Colombia

“I would say 85% of the company is between India and Colombia.”

Raph Howery Jan 21, 2026 ▶ 14:22 Bootstrapping to $5M ARR: How Kukun Scales SaaS for Banks and Fintechs

TOP FOUNDERS Disclosure

Howery: Kukun has at least one year of cash runway left

“We have about a year at least.”

Raph Howery Jan 21, 2026 ▶ 15:27 Bootstrapping to $5M ARR: How Kukun Scales SaaS for Banks and Fintechs

TOP FOUNDERS Disclosure

Howery gave up a nearly $1M annual corporate salary to launch Kukun

“Let's say in close to a million dollars a year, and let's say a lot of other perks.”

Raph Howery Jan 21, 2026 ▶ 16:33 Bootstrapping to $5M ARR: How Kukun Scales SaaS for Banks and Fintechs

TOP FOUNDERS Disclosure

Howery retains over 50 percent equity ownership in Kukun

“Over 50%. Definitely over 50%.”

Raph Howery Jan 21, 2026 ▶ 22:34 Bootstrapping to $5M ARR: How Kukun Scales SaaS for Banks and Fintechs

TOP FOUNDERS Disclosure

Despite raising $7M, Kukun has never raised a priced equity round

“We never did a price valuation. We did convertible notes. so beyond that, I have not really pulled any money in the last four years, three years.”

Raph Howery Jan 21, 2026 ▶ 22:44 Bootstrapping to $5M ARR: How Kukun Scales SaaS for Banks and Fintechs

TOP FOUNDERS Assertion Not checkable as stated

Howery: Kukun crossed $1 million in annual revenue in 2018

“I think it told on 2000 and 18, I would say.”

Raph Howery Jan 21, 2026 ▶ 17:59 Bootstrapping to $5M ARR: How Kukun Scales SaaS for Banks and Fintechs

One line per show, most statements first. The link opens Raph's full record on that show: the calibration, argument clarity, speaking style and every statement made there.

Show	Role there	Eps	Statements	Record
TOP FOUNDERSLEDGER		1	12	—	full record on Top Founders →