Raoul Pal: The Journey Man

AI + Crypto: Building the New Internet of Money ft. Micky Malka

24 snips
Oct 2, 2025
Guest
Micky Malka
Micky Malka, founder of Ribbit Capital and early investor in fintech giants like Coinbase and Robinhood, shares insights from his early days in Venezuela to Silicon Valley's dynamic landscape. He discusses the end of fintech's first wave, predicting a concentration of power among dominant platforms. Micky emphasizes the convergence of crypto and fintech, exploring how tokenization revolutionizes capital formation and blurs traditional investment lines. He also delves into the exciting intersection of digital art, cultural narratives, and the future of ownership in the tokenized economy.
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ANECDOTE

Venezuelan Upbringing Shaped Fintech Thesis

  • Micky Malka started his first broker-dealer at 17 in Venezuela and learned macro events firsthand.
  • Those early experiences with hyperinflation and capital controls shaped his fintech instincts and thesis.
ANECDOTE

E-Trade Billboard Sparked Online Broker Pivot

  • At 23 Micky flew to New York after seeing an E-Trade billboard and joined their office to learn online trading.
  • He returned to build an online broker for Venezuela and later co-founded Patagon with Wences Casares.
INSIGHT

App Stores Created A Unique Fintech Window

  • The App Store and mobile browsers created the right channel and timing for fintech to explode.
  • Repeating that exact window is unlikely because the macro and channel conditions changed.
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