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person2013–present

Zach Perret

Disciplines:
software entrepreneurship
financial technology
software engineering/api infrastructure

Summary

American entrepreneur and co-founder/CEO of Plaid, the financial data infrastructure company that connects fintech apps to bank accounts — which Visa agreed to acquire for $5.3B in 2020 before the Department of Justice blocked the deal.

Core Contribution

Built Plaid as the API layer that connects fintech applications (Venmo, Robinhood, Coinbase) to bank accounts — creating the plumbing for the modern fintech ecosystem — and navigated the DOJ blocking of Visa's acquisition to rebuild as an independent company.

Key Spikes & Highlights

  • Infrastructure Beneath the Product Layer (built Plaid as invisible financial plumbing — deliberately unglamorous B2B infrastructure — betting that the API layer connecting banks to fintech apps would be more defensible than any consumer product built on top of it)

Historical Influences

Patrick Collison

Intellectual Lineage

Silicon Valley API Infrastructure TraditionFintech Ecosystem Building

Contemporaries & Peers

Patrick Collison Max Levchin Parker Conrad

Minds Influenced

No recorded minds influenced.

Intellectual Posterity

Plaid

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Zach Perret

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