Fintech Leaders
Fintech Leaders
Miguel Armaza
Renaud Laplanche on Building Upgrade to a $7.3Bn Giant, Reinventing the Credit Card, and Shipping AI-Native Products
41 minutes Posted Apr 30, 2026 at 10:00 am.
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Send us Fan Mail I sat down with Renaud Laplanche, Co-Founder and CEO of Upgrade, a consumer fintech valued at $7.3 billion. Since 2017, Upgrade has originated over $45 billion in credit to 7.5 million customers, crossed $1 billion in annualized revenue, and has been cash flow positive for years. Renaud also founded Lending Club and took it public in what was the largest US tech IPO of 2014. He is one of the most accomplished entrepreneurs in fintech and someone I personally admire. We discus...