Zachary Perret

Co-founder & CEO, Plaid · 1 appearance on the record.

computed by AI from the episodes · how this works → · full disclaimer →

founderexecutiveinvestor@zachperret ↗LinkedIn ↗zachperret.com ↗

Zachary Perret is the co-founder and CEO of Plaid, a financial infrastructure company founded in 2012. He also invests in startups through venture firm Mischief.

8statements → 6claims → 4claims resolved → 50%fully supported → 4/5average certainty → 1.62/5average debate potential →

2 supported 2 partly supported 0 contradicted 1 not yet assessed 1 not checkable as stated how the 6 claims stand · each chip opens the sources

2 predictions · 4 assertions · 2 disclosures · every statement was checked. The predictions and assertions are the 6 claims: statements the public record can support or contradict. 4 are resolved, 1 is not yet assessed, 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.

The record, in short

What the tape says about how Zachary argues and how the claims held up. Everything they said, and everything said about them, is in the tabs below.

Their most notable supported claim

Prediction Held up

Perret: Late-stage fintech IPOs like Klarna and Chime are coming soon

“You're about to see a couple of IPOs. So corn is coming soon. We think we've heard that China's coming soon and I've heard that a bunch of others are coming soon.”

Zachary Perret Apr 8, 2025 ▶ 3:32 The ISSUE with MONEY and how to fix it | Zachary Perret on TBPN April 3rd

Expressed certainty vs assessment result

none yet certainty 1

none yet certainty 2

100% certainty 3

67% certainty 4

none yet certainty 5

weighted support: a fully supported claim counts one, a partly supported claim counts half. Each filled bar is clickable and opens exactly those claims; "none yet" means nothing said at that certainty level has resolved yet

What they said8 Episodes1

Everything Zachary Perret said on TBPN that made the record, most notable first. Filter by type, assessment or year in the ledger →

Prediction Open · timeframe Apr 2035

Perret: Retail consumer stablecoin payments remain 10 to 15 years away

“No, one's going to walk into a Starbucks and buy a coffee with a stable coin. Certainly not for any amount of time that I can think about, you know, maybe, maybe 1015 years in the future.”

Zachary Perret Apr 8, 2025 ▶ 5:09 The ISSUE with MONEY and how to fix it | Zachary Perret on TBPN April 3rd

Prediction Held up

Perret: Late-stage fintech IPOs like Klarna and Chime are coming soon

“You're about to see a couple of IPOs. So corn is coming soon. We think we've heard that China's coming soon and I've heard that a bunch of others are coming soon.”

Zachary Perret Apr 8, 2025 ▶ 3:32 The ISSUE with MONEY and how to fix it | Zachary Perret on TBPN April 3rd

Disclosure

Zachary Perret: Plaid built its own real-time data credit score tool

“And so we've built a series of tools, including our own credit score that looks at real time data and brings it into the model.”

Zachary Perret Apr 8, 2025 ▶ 9:56 The ISSUE with MONEY and how to fix it | Zachary Perret on TBPN April 3rd

Assertion Not checkable as stated

Perret: Fintech is rebounding with heavy early-stage startup formation and mid-stage growth

“There's a ton of startup formation at the earliest stages. In the mid stages, these companies have retold are now back to growth at the late stages.”

Zachary Perret Apr 8, 2025 ▶ 3:25 The ISSUE with MONEY and how to fix it | Zachary Perret on TBPN April 3rd

Assertion Supported

Perret: AI and deepfakes drive 20-25% annual financial fraud growth

“Online financial fraud is going up at somewhere between 20 and 25% a year off of a gigantic base. Deep fakes are having a big impact on this. A lot of AI tooling is having a big impact on this.”

Zachary Perret Apr 8, 2025 ▶ 8:52 The ISSUE with MONEY and how to fix it | Zachary Perret on TBPN April 3rd

Assertion Partly supported

Perret: Plaid powers Citi account openings and Invitation Homes rent payments

“Increasingly it's not just fintech companies now, but it's the big banks, the way that you open a checking account with Citi goes through Plaid and then a ton of enterprises. So the way that you pay your rent with invitation homes or a bunch of those all that …”

Zachary Perret Apr 8, 2025 ▶ 0:42 The ISSUE with MONEY and how to fix it | Zachary Perret on TBPN April 3rd

Disclosure

Perret: Plaid is actively working on stablecoin integration with partners

“Definitely an area that we're participating. We're working with a lot of companies on and we're excited to support.”

Zachary Perret Apr 8, 2025 ▶ 5:26 The ISSUE with MONEY and how to fix it | Zachary Perret on TBPN April 3rd

Assertion Partly supported

Perret: Only a few hundred mostly small banks use FedNow

“They're like, you know, a few hundred banks and they're mostly small banks that are using it.”

Zachary Perret Apr 8, 2025 ▶ 6:19 The ISSUE with MONEY and how to fix it | Zachary Perret on TBPN April 3rd

Appearances (1)

Episode	Date	Speaking time
The ISSUE with MONEY and how to fix it \| Zachary Perret on TBPN April 3rd	Apr 8, 2025	9m

Zachary Perret

The record, in short

Their most notable supported claim

Expressed certainty vs assessment result

Appearances (1)

Turn any episode into a week of clips.