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NU has a flywheel business model giving back to consumers just like amazon and costco.
Less cost to serve thorugh technology- pass on cost saving to costumers - more happy customers - less cost to serve...brick and mortar Banks will eventually disappear. NU will change financial services like netflix did for TV.

Whats your thesis on upstart?
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@OGFonds upstart has been suffering during this high rate period, but have made a lot of new partnerships, and with rates now falling to lower rates, i think this might benefit upstart.
Q2 report was above expected, and they actually expect to be profitble in Q4, so im exctited to see, if it can come near its highs in 2021, i might just sell if it hits 100$