Max Levchin, PayPal co-founder and Affirm CEO, reveals how growing up in Soviet Ukraine shaped his view of capitalism and socialism, and how he built a $50B payment network by eliminating predatory lending practices. From cryptography obsession to buy-now-pay-later innovation, discover the philosophy behind transparent financial products and why choosing the right co-founder—especially a spouse—determines long-term success. Affirm's success stems from removing late fees and revolving debt entirely, proving that transparent, consumer-friendly financial products can scale faster than predatory alternatives that trap users in debt cycles.