The IO Podcast: Investor + Operator Kapital: The Future of Latin-American Banking With Mexico’s Best Startup
Sep 2, 2025
Rene Saul, CEO and co-founder of Kapital, a groundbreaking $1.3 billion startup from Mexico City, shares his extensive entrepreneurial insights. He discusses how past ventures shaped Kapital’s success and the need for resilience in overcoming failures. Rene highlights Mexico's transformative tech landscape and the innovative banking solutions Kapital offers to small and medium-sized businesses. He also draws parallels between running marathons and building self-belief in entrepreneurship, showcasing the importance of determination and adaptability in navigating startup challenges.
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Failure That Sparked Kapital's Mission
- Rene recounts a failed retail investment where poor visibility into finances led to near-total loss.
- That failure taught him the need for financial visibility and inspired Kapital's core mission.
Act Fast In Crises
- When facing problems, act immediately and decisively instead of hesitating.
- Quick action in crises breeds the best learning and better decision-making for startups.
Buying A Bank As Strategic Moat
- Owning a regulated bank can be a strategic moat that provides liquidity and independence.
- Rene bought a bank to be regulated, monetize better, and avoid depending on other financiers.
