When Lucy Liu co-founded Airwallex in 2015, she was flying around the world opening bank accounts in person and carrying bags of security tokens. Global businesses are digital. But finance was stuck in the past.

For three years, Airwallex burned money building invisible infrastructure no one believed in yet. Her co-founder drew a “really ugly unicorn” on a whiteboard predicting ten-times growth when they had zero revenue. Everyone laughed - but beneath the laughter was a serious undertone that they were onto something big. Something that would be game changing. So they kept building.

That bet on infrastructure became one of the fastest-growing fintechs in the world, now moving $200 billion annually and adding $100 million in recurring revenue every quarter.

In this episode, Lucy shares why building two products simultaneously defied conventional startup wisdom, how hiring for intellectual curiosity beats credentials, and what it means to scale from zero to 1,800 people without losing speed. She also reflects on the power of ambitious predictions, staying simple at massive scale, and why resilience matters more than perfection.