Kristo Käärmann (Fintech / International Payments) at Wise — London, United Kingdom

Kristo Käärmann co-founded Wise (formerly TransferWise) in 2011 with Taavet Hinrikus after both had personally experienced expensive international bank transfers. Wise pioneered mid-market exchange rate transfers at a fraction of traditional banking fees, and went public on the London Stock Exchange in 2021 via a direct listing at a £8.75 billion valuation. Käärmann is a champion of transparent pricing and financial fairness for consumers moving money globally.