Srivatsan Sridhar, co-founder of Skydo, is building a cross-border operating system that's transforming how Indian businesses receive international payments.In this conversation, we dive into how Skydo enables 0% FX fees for freelancers and businesses, making them the cheapest option in the market.Srivatsan shares how traditional payment methods like PayPal and wire transfers cost Indian exporters up to 8% in hidden fees – a problem Skydo directly solves with local collection accounts and transparent pricing.The discussion covers Srivatsan's journey from running his family business to co-founding a fintech startup, the importance of finding the right co-founder with complementary skills, and how persistence helped secure crucial banking partnerships.We also explore Skydo's approach to building an MVP, their fundraising strategy, and how they've processed over $300 million in annual payments.Connect with Srivatsan:https://www.linkedin.com/in/srivats80/Connect with Subah:https://www.linkedin.com/in/subah-wadhwani/Email: [email protected] your podcast: https://atomikgrowth.com00:00 Trailer01:07 What is Skydo and how it works03:08 Cost comparison: PayPal vs wire transfers vs Skydo06:10 The cognitive overload problem for international clients07:26 Building a cross-border operating system09:37 Growing up in an entrepreneurial family13:02 Finding self-motivation and academic excellence14:45 Why he returned from the US to India19:30 Getting a scholarship and the decision to study abroad20:10 Starting with entrepreneurship first, then finding the idea22:40 Meeting his co-founder at Ola25:14 Complementary skillsets in co-founding partnerships26:51 Why venture capital vs bootstrapping30:08 The credibility factor of VC backing31:42 Hiring philosophy: mindset over pedigree34:47 Building an MVP with spreadsheets36:42 Getting first customers through Twitter38:10 Multiple layers of product-market fit41:06 The process of getting PACB entity approval43:54 Building international banking partnerships47:11 How money moves through Skydo's infrastructure51:10 Regulations as enabler, not blocker55:09 Customer onboarding and KYC process57:54 Revenue model and transparency in pricing01:01:41 Fraud detection and AI implementation01:05:30 Competition with Revolut's India launch01:08:08 Could you build this without college?01:09:43 Fintech opportunities in crypto and IoT01:11:48 Advice to younger self: be bolder

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