Today’s guest is Hristo Borisov, cofounder and CEO at Payhawk, a financial system that combines credit cards, payments, expenses, and cash into one integrated experience. Hristo has raised over $236 million with Payhawk from Lightspeed Ventures, Greenoaks, QED investors, and many more. Today, Payhawk is valued at US$1 billion, making it the first Bulgarian startup to achieve Unicorn status. Prior to founding Payhawk, Hristo worked at Telerik as software engineer and a product manager. In this episode, we talk about his founding of Payhawk, the challenges he encountered as an entrepreneur, lessons learned from scaling Payhawk into 32 countries, and much more.