E987: The Next Unicorns: Upgrade CEO & Co-founder Renaud Laplanche is empowering users to better understand credit through his consumer credit platform, announces the Upgrade Card, shares insights on taking LendingClub public & how startups have changed since he started his first company in 2000 – E

0:51 Jason intros Upgrade CEO Renaud Laplanche 2:07 Renaud goes over the idea of his previous startup, LendingClub, and taking it public 9:57 What happened at LendingClub after the IPO? 11:18 What is Upgrade? How did it grow out of LendingClub? 12:40 Are credit scores an outdated metric? 14:11 What is the Upgrade Card? 15:30 Are modern credit card companies sinister in their approach? 24:54 Renaud's thoughts on Crypto 27:40 Where does Upgrade's lending capital come from? 31:22 Are we approaching a downturn after an unprecedented period of growth? 37:28 What goes into a great credit score 42:50 What has changed in startups since Renaud started his first company in 2000? 51:25 What keeps Renaud going after two successful exits as a founder?