Smart Humans with Slava Rubin Smart Humans: 2025 Pre-IPO Briefing on Stripe with Sacra's Marcelo Ballvé
Aug 27, 2025
Marcelo Ballvé from Sacra joins Vincent founder Slava Rubin to dissect Stripe's meteoric rise. They dive into Stripe's unique business model and revenue streams, revealing how the company has transformed the digital payments landscape. The conversation explores the potential of stablecoins and AI to shape Stripe's future, along with a bullish outlook on its IPO prospects. Christine Healey also shares insights on investment opportunities, making the case for why accessing shares in Stripe is essential for savvy investors.
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Developer-First API Created A Platform
- Stripe simplified online payments with a developer-focused API and rapidly expanded into back-office financial products.
- That expansion turned payments into a platform with billing, tax, issuing, and treasury services driving new revenue streams.
Billing Became A Major Growth Engine
- Stripe grew beyond core payments into revenue and finance automation, which became a major growth engine.
- Stripe Billing reached $500M ARR and benefited from AI-driven usage by AI platform customers.
Stacked Products Drive Cross-Sell
- Stripe bundles payments, billing, tax, issuing, and lending to capture more of merchant workflows and revenue.
- These products synergize, letting Stripe cross-sell fintech services like Capital and Treasury to its payments base.