On this episode I talk with Karel Nappus and Markus Lember, co-founders of Montonio, a fast-growing fintech startup in Estonia. They’ve raised $13M in venture capital and over the past year they’ve scaled from 20 employees to over 60. They talked to me about their entrepreneurial journey from being “young, dumb, and enthusiastic” (their words) to being CEO and COO of a successful venture-backed company.