Tate Hackert, co-founder of ZayZoon, began lending money at just 16 and transformed his passion into a $50M+ ARR fintech startup. He shares his journey from commercial fishing to fintech, emphasizing the challenges and strategies of launching earned wage access solutions. Tate discusses the crucial importance of clear product value communication and how he navigated market dynamics to ensure rapid growth. He reflects on past setbacks and emphasizes commitment and adaptability in the brutal startup landscape.