[grepper]

Henrique - this is super cool. Really fascinating and inspiring to follow your success.

Unrelated to today's announcement, but curious if you could share a bit about your origins in "making a new credit card from scratch" at all: forming a relationship with a bank, card network, etc.

How difficult was it to even enter the space at all - any top takeaways or learnings? Non-obvious struggles you may have had to overcome?