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# Lessons from Micky Malka, founder of Ribbit Capital
- URL: https://www.antoinebuteau.com/lessons-from-micky-malka-founder-of-ribbit-capital/
- Published: 2025-08-03T17:50:29.000Z
- Updated: 2026-08-04T12:44:05.000Z
- Description: Micky Malka, founder of Ribbit Capital, argues that fintech must move beyond simple access toward more integrated, intelligent financial services, offering a provocative lens on where the industry is heading and what its next evolution demands.
- Author: Antoine Buteau
- Tags: Profile, Investing, Venture Capital Profiles

![Visual summary of operating lessons from Micky Malka, founder of Ribbit Capital.](https://www.antoinebuteau.com/content/images/2026/07/image-104-optimized.webp)

#### **On the Evolution and Future of Fintech**

Malka is renowned for his provocative and insightful declarations about the direction of financial technology. He argues for a move beyond simple access to more integrated and intelligent financial services.

1. **"Fintech, as we've known it for the past decade, is dead."** [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com) \- Malka posits that the initial wave of fintech, focused on app development and leveraging unstructured data, no longer offers a competitive edge. [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com)
2. **"The last decade was about giving people access to money. The next decade is about contextual money—tailoring financial services to individual needs using data, AI, and personalized interfaces."** [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com) \- This highlights his core thesis on the future of finance, moving from accessibility to personalization. [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com)
3. **"Our apps shouldn't be the same if we're different ages, at various life stages, within different networks, and in distinct life circumstances."** [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com) \- A call for hyper-personalization in financial products. [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com)
4. **"If you try to add contextual money to the existing Financial grid... it collapses."** [\[2\]](https://www.youtube.com/watch?v=AqcmfYX8tfk&ref=antoinebuteau.com) \- Malka uses the analogy of an electrical grid to explain that the underlying infrastructure of finance must be rebuilt to support the next generation of services. [\[2\]](https://www.youtube.com/watch?v=AqcmfYX8tfk&ref=antoinebuteau.com)
5. **"I think it's an era of rebuilding."** [\[2\]](https://www.youtube.com/watch?v=AqcmfYX8tfk&ref=antoinebuteau.com) \- His belief is that the coming years will be defined by the fundamental reconstruction of financial systems. [\[2\]](https://www.youtube.com/watch?v=AqcmfYX8tfk&ref=antoinebuteau.com)
6. **"Every time money becomes better, people live better lives."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- This statement reflects his fundamental motivation for working in fintech. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
7. **"Knowledge, money, and power are connecting in ways that we have not seen for the last 500 years."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- He sees a historical convergence of these three pillars, driven by technology. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
8. **"We will need streaming data and streaming money to enable automated services."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- A prediction on the technical requirements for the future of automated financial experiences. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
9. **"We're seeing fintech companies embedding their software into other non-fintech companies and empowering others to do a much better job on financial products."** [\[4\]](https://www.youtube.com/watch?v=e7zXnz6F53I&ref=antoinebuteau.com) \- On the trend of embedded finance and its expansive potential. [\[4\]](https://www.youtube.com/watch?v=e7zXnz6F53I&ref=antoinebuteau.com)[\[5\]](https://vintage-ip.com/events/so-you-are-a-fintech-startup-the-future-of-the-financial-services-industry-an-interview-with-micky-malka-founder-and-managing-partner-ribbit-capital/?ref=antoinebuteau.com)
10. **"I have no doubt on the future of Bitcoin because the concept of money becoming digital in all shapes and forms is here to stay."** [\[6\]](https://muckrack.com/podcast/invest-like-the-best-with-patrick-oshaughnessy/episodes/4374161-micky-malka-building-ribbit-invest-like-th/?ref=antoinebuteau.com) \- A foundational belief in the digitization of money, expressed in the early days of cryptocurrency.
11. **On Token Factories:** The next generation of companies will transform machine-readable information, money, and knowledge into new products; doing that well requires a common understanding of identity, value, and intelligence. — [*David Senra — Micky Malka*](https://www.davidsenra.com/episode/micky-malka?ref=antoinebuteau.com)
12. **On Putting the Banker in Your Pocket:** Mobile put a bank in every pocket; AI can put a banker there—an agent that helps with investment, commerce, and payment decisions rather than merely displaying accounts. — [*David Senra — Micky Malka*](https://www.davidsenra.com/episode/micky-malka?ref=antoinebuteau.com)
13. **On Always-On Rails for Agents:** Financial agents need markets and transaction rails that operate continuously; systems designed around business hours will constrain machines that act around the clock. — [*David Senra — Micky Malka*](https://www.davidsenra.com/episode/micky-malka?ref=antoinebuteau.com)
14. **On the Compounders' Second Decade:** Founder-led fintechs that already earned trust, licenses, product depth, and regulatory relationships can use AI and crypto rails to compound faster than incumbents—not merely defend their first-wave niches. — [*TBPN Digest — The Token Factory Thesis*](https://www.tbpndigest.com/story/2025-07-24/micky-malka-on-ribbit-capitals-token-factory-thesis-fintech-crypto-and-ai-are-converging-into-one-category?ref=antoinebuteau.com)

#### **On Venture Capital and Investment Philosophy**

Malka's approach to venture capital is unconventional. He views Ribbit Capital not as a fund, but as a company and a partner to entrepreneurs.

1. **"I don't describe \[Ribbit\] as a venture fund. It's a company, it's a startup. And we happen to be in the business of deploying capital."** [\[2\]](https://www.youtube.com/watch?v=AqcmfYX8tfk&ref=antoinebuteau.com) \- This defines his operational ethos for Ribbit Capital. [\[2\]](https://www.youtube.com/watch?v=AqcmfYX8tfk&ref=antoinebuteau.com)
2. **"Our goal isn't just to write checks. It's to deposit ideas."** [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com) \- This quote encapsulates his philosophy of being an active, intellectual partner to founders. [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com)
3. **"I'm an entrepreneur by heart, and investor by design."** [\[5\]](https://vintage-ip.com/events/so-you-are-a-fintech-startup-the-future-of-the-financial-services-industry-an-interview-with-micky-malka-founder-and-managing-partner-ribbit-capital/?ref=antoinebuteau.com) \- How he describes his personal and professional identity. [\[5\]](https://vintage-ip.com/events/so-you-are-a-fintech-startup-the-future-of-the-financial-services-industry-an-interview-with-micky-malka-founder-and-managing-partner-ribbit-capital/?ref=antoinebuteau.com)
4. **"In this game, you don't win or you don't lose. You are ahead or you're behind. It's a very different mindset."** [\[2\]](https://www.youtube.com/watch?v=AqcmfYX8tfk&ref=antoinebuteau.com) \- Explaining the "infinite mindset" that guides Ribbit's long-term strategy. [\[2\]](https://www.youtube.com/watch?v=AqcmfYX8tfk&ref=antoinebuteau.com)
5. **"The game is better played when you are trying to get ahead and not when you are ahead and trying to prevent people from passing you."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- A strategic insight on maintaining a competitive edge through continuous striving. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
6. **"Venture is changing, and it will always change because it's Venture. That's why it's called Venture investing. It has to change."** [\[2\]](https://www.youtube.com/watch?v=AqcmfYX8tfk&ref=antoinebuteau.com) \- His view on the inherent dynamism of the venture capital industry. [\[2\]](https://www.youtube.com/watch?v=AqcmfYX8tfk&ref=antoinebuteau.com)
7. **"Restrainment is an important component of success. Infinite of anything is not good."** [\[2\]](https://www.youtube.com/watch?v=AqcmfYX8tfk&ref=antoinebuteau.com) \- A lesson on the importance of discipline and focus in investing. [\[2\]](https://www.youtube.com/watch?v=AqcmfYX8tfk&ref=antoinebuteau.com)
8. **"Returns are an output metric; focus on the input and let the output take care of itself."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- His approach to achieving financial success by concentrating on the foundational elements of a business. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
9. **"Be more concentrated and have more conviction."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- A principle for making impactful investments. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
10. **"Having conviction is one of the most important traits."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- Emphasizing the necessity of strong belief in one's investment decisions. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
11. **"We think embedded finance...are going to have a much bigger impact over the next 10 years. (in 2021)"** [\[5\]](https://vintage-ip.com/events/so-you-are-a-fintech-startup-the-future-of-the-financial-services-industry-an-interview-with-micky-malka-founder-and-managing-partner-ribbit-capital/?ref=antoinebuteau.com) \- A specific area of focus for Ribbit Capital. [\[5\]](https://vintage-ip.com/events/so-you-are-a-fintech-startup-the-future-of-the-financial-services-industry-an-interview-with-micky-malka-founder-and-managing-partner-ribbit-capital/?ref=antoinebuteau.com)
12. **"We're starting to see wallet and financial products start to be embedded online in consumer in ways that we haven't seen before. (in 2021)"** [\[5\]](https://vintage-ip.com/events/so-you-are-a-fintech-startup-the-future-of-the-financial-services-industry-an-interview-with-micky-malka-founder-and-managing-partner-ribbit-capital/?ref=antoinebuteau.com) \- An observation on emerging trends in consumer finance. [\[5\]](https://vintage-ip.com/events/so-you-are-a-fintech-startup-the-future-of-the-financial-services-industry-an-interview-with-micky-malka-founder-and-managing-partner-ribbit-capital/?ref=antoinebuteau.com)
13. **"Early crypto entrepreneurs were driven by passion, which is a key ingredient for success."** [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com) \- His take on what drives groundbreaking innovation in new fields. [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com)
14. **On Writing as Compression:** Write an idea until a long argument can be explained on a napkin; compression is evidence that the underlying subject has been studied deeply enough to be understood. — [*David Senra — Micky Malka*](https://www.davidsenra.com/episode/micky-malka?ref=antoinebuteau.com)
15. **On Publishing the Investment Compass:** Share a thesis publicly so investors and founders can hold the firm accountable; a clearly exposed compass also attracts builders who recognize genuine depth in the subject. — [*David Senra — Micky Malka*](https://www.davidsenra.com/episode/micky-malka?ref=antoinebuteau.com)
16. **On Learning Before Investing:** Build a thesis with the people already exploring the frontier before deciding whether to invest; the learning relationship can precede the transaction by a long time. — [*David Senra — Micky Malka*](https://www.davidsenra.com/episode/micky-malka?ref=antoinebuteau.com)
17. **On Adaptive Customer Research:** Use AI to scale real customer interviews while letting the questioning adapt and go deeper; speed is valuable only when it preserves contact with actual people. — [*Forbes — Listen Labs Customer Research*](https://www.forbes.com/sites/iainmartin/2026/01/14/this-500-million-ai-startup-runs-customer-interviews-for-microsoft-and-sweetgreen/?ref=antoinebuteau.com)
18. **On Earning the Sleepless-Night Call:** An investor earns relevance when a founder calls with the vulnerable problem keeping them awake; the job is to help the founder reach an answer, not impose one. — [*David Senra — Micky Malka*](https://www.davidsenra.com/episode/micky-malka?ref=antoinebuteau.com)
19. **On Reputation as the Non-Copyable Asset:** Products and features can be copied, but a financial firm's reputation compounds slowly and can take years to repair; protect it as the asset that keeps future opportunities open. — [*TBPN Digest — The Token Factory Thesis*](https://www.tbpndigest.com/story/2025-07-24/micky-malka-on-ribbit-capitals-token-factory-thesis-fintech-crypto-and-ai-are-converging-into-one-category?ref=antoinebuteau.com)

#### **On Entrepreneurship and Building Companies**

As a multi-time founder, Malka offers pragmatic and profound advice for entrepreneurs.

1. **"It's okay to reset your valuations. Every single entrepreneur that has been successful has had a bad period of time, and actually, they make you stronger."** [\[2\]](https://www.youtube.com/watch?v=AqcmfYX8tfk&ref=antoinebuteau.com) \- Encouragement for founders facing market downturns. [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com)
2. **"What matters is can you control your destiny. And entrepreneurs need to focus on that."** [\[2\]](https://www.youtube.com/watch?v=AqcmfYX8tfk&ref=antoinebuteau.com) \- A crucial piece of advice on prioritizing long-term control over short-term metrics. [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com)
3. **"Success isn't about how much capital you raise but about building a lasting, impactful business."** [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com) \- A reminder of the true goal of entrepreneurship. [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com)
4. **"Instead of identifying a job title and then looking for a person to fill it, just look for amazing people that you want to work with, then hire them."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- His philosophy on team building, prioritizing talent over predefined roles. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
5. **"Burn the bridge that got you here; whatever got you here will not get you to the next phase."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- A stark reminder of the need for constant evolution and adaptation. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
6. **"Being the CEO is a very lonely existence."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- A candid reflection on the challenges of leadership. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
7. **"In a moment of crisis, help the person make the first decision."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- Practical advice for supporting leaders through difficult times. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
8. **"Mistakes made in a single day can damage a company's brand for years to come."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- A warning about the long-term consequences of short-term errors. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
9. **"A business is only as good as the knowledge its people share."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- On the importance of internal communication and knowledge transfer. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
10. **"When you truly understand the variables at play, you will be more comfortable with taking 'risk'."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- Demystifying risk-taking through deep understanding. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
11. **"The biggest mandate that a board member of a company has is to fire or hire the CEO."** [\[5\]](https://vintage-ip.com/events/so-you-are-a-fintech-startup-the-future-of-the-financial-services-industry-an-interview-with-micky-malka-founder-and-managing-partner-ribbit-capital/?ref=antoinebuteau.com) \- A clear and concise definition of a board member's ultimate responsibility. [\[5\]](https://vintage-ip.com/events/so-you-are-a-fintech-startup-the-future-of-the-financial-services-industry-an-interview-with-micky-malka-founder-and-managing-partner-ribbit-capital/?ref=antoinebuteau.com)
12. **On Chaordic Organizations:** Design organizations at the intersection of chaos and order: too much order suppresses innovation, while too much chaos breaks communication. — [*David Senra — Micky Malka*](https://www.davidsenra.com/episode/micky-malka?ref=antoinebuteau.com)
13. **On Pairing Speed With Wisdom:** Pair young builders fluent in new operating systems with experienced people who contribute pattern recognition and judgment; small mixed-generation teams can combine both advantages. — [*David Senra — Micky Malka*](https://www.davidsenra.com/episode/micky-malka?ref=antoinebuteau.com)
14. **On Beauty as Product Strategy:** Efficiency and scale are not enough; technology wins lasting attachment when it is authentic, beautifully designed, and makes the user feel that a human cared. — [*David Senra — Micky Malka*](https://www.davidsenra.com/episode/micky-malka?ref=antoinebuteau.com)
15. **On Founder DNA Beyond the Founder:** A founder's mission becomes durable only when the same behavioral DNA is visible in the offices, teams, language, and daily pace of the company. — [*David Senra — Micky Malka*](https://www.davidsenra.com/episode/micky-malka?ref=antoinebuteau.com)
16. **On Radical Internal Visibility:** Replace investment-firm silos with shared information and collective ownership: open calendars and inboxes, group decisions, and no single partner assigned as the sole owner of a company. — [*David Senra — Micky Malka*](https://www.davidsenra.com/episode/micky-malka?ref=antoinebuteau.com)
17. **On Compounding Old Insights Into New Scale:** A hard-earned operating insight can become vastly more valuable decades later when a larger platform and the right partnership finally make its full scale possible. — [*David Senra — Micky Malka*](https://www.davidsenra.com/episode/micky-malka?ref=antoinebuteau.com)
18. **On Building the Institution a New Medium Needs:** When an established institution cannot represent a new medium on its own terms, build new infrastructure that gives creators control over how their work is presented and experienced. — [*David Senra — Micky Malka*](https://www.davidsenra.com/episode/micky-malka?ref=antoinebuteau.com)
19. **On Designing a Company for Forever:** If the goal is to build indefinitely, design the structure, culture, knowledge, brand, and team as a compounding system rather than optimizing the company for an eventual sale. — [*David Senra — Micky Malka*](https://www.davidsenra.com/episode/micky-malka?ref=antoinebuteau.com)

#### **On Personal Philosophy and Life**

Malka's personal principles are deeply intertwined with his professional success. His background and life experiences have shaped a unique and humble worldview.

1. **"Never forget where you came from."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- A core personal principle that keeps him grounded. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
2. **"Don't ever forget where you came from, but always be looking where you are going."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- An extension of his principle, balancing roots with forward momentum. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
3. **"Fewer decisions is best."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- A belief in the power of focused, high-quality decision-making. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
4. **"Be genuine to yourself and those around you."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- A principle of authenticity in all interactions. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
5. **"I want to peak the day that I'm in the cemetery."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- A powerful statement about his commitment to lifelong learning and growth. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
6. **"The best way to harness energy is to have a purpose and mission that you identify with."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- On finding motivation and drive. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
7. **"Say what you think no matter the consequences."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- A commitment to radical candor. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
8. **"I grew up with hyperinflation. I grew up with devaluation. I grew up with governments possessing assets. So this concept of money to me, has always been extremely interesting."** [\[5\]](https://vintage-ip.com/events/so-you-are-a-fintech-startup-the-future-of-the-financial-services-industry-an-interview-with-micky-malka-founder-and-managing-partner-ribbit-capital/?ref=antoinebuteau.com) \- Explaining the origins of his lifelong fascination with finance. [\[5\]](https://vintage-ip.com/events/so-you-are-a-fintech-startup-the-future-of-the-financial-services-industry-an-interview-with-micky-malka-founder-and-managing-partner-ribbit-capital/?ref=antoinebuteau.com)
9. **"My mother gave me a letter when I was nine-years-old to the Tooth Fairy asking the Tooth Fairy to pay me in dollars because I didn't trust my local currency."** [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com) \- An anecdote that reveals his early intuition about the nature of money and trust. [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com)
10. **"\[Rankings are\] vanity metrics. What matters is being a good partner, parent, and friend."** [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com) \- His perspective on the true measures of success. [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com)
11. **"People are forming identities around network states rather than physical countries. This tribalism is reshaping society."** [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com) \- A broader societal observation about the future of identity and community. [\[1\]](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com)
12. **"When you're a rebel you're always looking for something to break the status quo."** [\[2\]](https://www.youtube.com/watch?v=AqcmfYX8tfk&ref=antoinebuteau.com) \- On the mindset required for innovation. [\[2\]](https://www.youtube.com/watch?v=AqcmfYX8tfk&ref=antoinebuteau.com)
13. **"The impact that you can have is limited by the number of people that you can touch; the more concentrated you are, the more impact you can have."** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- A lesson on how to maximize personal and professional influence. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
14. **"Traveling the world and meeting people who are building important technologies will give you energy. The world is much bigger than Silicon Valley!"** [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com) \- A reminder of the global nature of innovation and opportunity. [\[3\]](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
15. **On Refusing Labels:** Labels narrow perception by making people see what they were told to see; preserve the freedom to be several things at once—or to become something else entirely. — [*David Senra — Micky Malka*](https://www.davidsenra.com/episode/micky-malka?ref=antoinebuteau.com)
16. **On Time as the True Currency:** You only need to become wealthy once; after that, protect the time that lets knowledge, relationships, and judgment compound across the rest of a life. — [*David Senra — Micky Malka*](https://www.davidsenra.com/episode/micky-malka?ref=antoinebuteau.com)

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Learn more:

1. [The future of fintech—and why money without context doesn't work - Endeavor.org](https://endeavor.org/stories/the-future-of-fintech/?ref=antoinebuteau.com)
2. [Redefining Venture Capital: Insights from Top VC Micky Malka of Ribbit Capital - YouTube](https://www.youtube.com/watch?v=AqcmfYX8tfk&ref=antoinebuteau.com)
3. [Micky Malka – Building Ribbit | Invest Like the Best with Patrick O'Shaughnessy Ep. 400](https://podcastnotes.org/investors-field-guide/micky-malka-building-ribbit-invest-like-the-best-with-patrick-oshaughnessy-ep-400/?ref=antoinebuteau.com)
4. [FTX 2020 | State Of Union Of Fintech with Micky Malka (Ribbit Capital) - YouTube](https://www.youtube.com/watch?v=e7zXnz6F53I&ref=antoinebuteau.com)
5. [Annual Summit: So You are a Fintech StartUp: The Future of the Financial Services Industry with Micky Malka, Founder and Managing Partner, Ribbit Capital - Vintage IP](https://vintage-ip.com/events/so-you-are-a-fintech-startup-the-future-of-the-financial-services-industry-an-interview-with-micky-malka-founder-and-managing-partner-ribbit-capital/?ref=antoinebuteau.com)
6. [Invest Like the Best with Patrick O'Shaughnessy - Micky Malka - Building Ribbit - Muck Rack](https://muckrack.com/podcast/invest-like-the-best-with-patrick-oshaughnessy/episodes/4374161-micky-malka-building-ribbit-invest-like-th/?ref=antoinebuteau.com)
7. [Micky Malka, Founder of Ribbit Capital — David Senra](https://www.davidsenra.com/episode/micky-malka?ref=antoinebuteau.com)
8. [Micky Malka on Ribbit Capital's Token Factory Thesis](https://www.tbpndigest.com/story/2025-07-24/micky-malka-on-ribbit-capitals-token-factory-thesis-fintech-crypto-and-ai-are-converging-into-one-category?ref=antoinebuteau.com)
9. [This $500 Million AI Startup Runs Customer Interviews](https://www.forbes.com/sites/iainmartin/2026/01/14/this-500-million-ai-startup-runs-customer-interviews-for-microsoft-and-sweetgreen/?ref=antoinebuteau.com)