Micky Malka, Founder of Ribbit Capital

Micky Malka, an entrepreneur and investor at Ribbit Capital, advocates for an "infinite game" mindset, prioritizing the long-term compounding of relationships, principles, and reputation over short-term exits. He rejects rigid professional labels, defining himself as an entrepreneur at heart and an investor by design. Malka emphasizes the necessity of writing to clarify complex ideas, noting that his firm’s thesis-driven approach often requires years of diligence. He identifies "token factories"—the intersection of identity, value, and intelligence—as the next evolution in financial services, driven by AI-powered agents. Drawing on lessons from mentors like Dee Hock, Malka stresses that authentic, founder-led organizations thrive by maintaining a "rebel" DNA. His partnership with Walmart to build OnePay exemplifies his strategy of applying first-principles thinking to solve complex market challenges while rigorously protecting his most valuable asset: his reputation.