Kristo Käärmann is the co-founder and CEO of TransferWise, a peer-to-peer international money transfer business. Kristo Käärmann cofounded TransferWise in London in 2011 with fellow Estonian Taavet Hinrikus, the first employee at Skype. Since then, the business has amassed over 8 million customers and moves more than US$5 billion every month. TransferWise has 2,200 employees in 14 global offices and is valued at US$3.5 billion.

In this conversation, Ian and Kristo discuss:

• The origin story of TransferWise

• Kristo's experiences raising capital

• The highlights and challenges Kristo has encountered scaling the company

• Impact of the pandemic on TransferWise