With the rise of fintech apps, consumers find themselves with accounts scattered across institutions and brands. But what if there was one financial superapp that functioned on a global scale? Enter Revolut, the company Nik Storonsky co-founded in 2015 that is transforming the way we do all things money. The app has seen exponential growth with more than 18 million customers across 35 countries, earning it a valuation over $33B. Nik shares how the company went from a single card product to a one-stop financial solution, how a great product scaled the company entirely by word of mouth for the first five years, and why the secret to his management philosophy is rooted in the math of hiring exceptional people.