Revolut’s Rules for Building Products That Win

How Nik Storonsky Decides What to Launch, What to Scale and What to Kill

Revolut signs up about 100,000 new customers a day.

For its first seven years it had no growth budget.

• $115B valuation in the round that closed last week

• £4.5B revenue in 2025 (+46%) and £1.7B profit before tax

• more than 80 million retail customers

• a conditional US bank charter and an IPO planned for 2028

What they do? A traditional bank makes most of its money on the gap between what it pays on deposits and what it charges on loans. Revolut makes most of its money on products customers pay for: cards, currency exchange, trading and subscriptions.

So every new product has to earn its place with its own numbers, and Nik Storonsky has built a system that tracks those numbers from the first month.

→ Every launch at Revolut is ranked against the 100 launches that came before it.

📚 In this newsletter, I break down the rules Revolut's founder uses to launch, scale and kill products, with clips from his interview with John Collison and the takeaways for founders.

Inside you will find:

1. How to Grow for Seven Years With Zero Marketing
   See how one product, built far better than the banks' version, took Revolut from 10 customers a day to 100,000.

2. How to Turn Any Idea Into a Funded Bet
   Find out how the "new bets" process works, from the unit economics check to a team of 10.

3. How to Decide in Month One What to Scale and What to Kill
   Learn how Revolut grades every launch against 100 past bets and why it never waits for a slow start.

4. How to Measure a Product That Doesn't Make Money
   See how two profit numbers give every team, even a rewards team, one way to be judged.

5. Why Revolut Makes Its Money From Subscriptions
   Find out why Nik compares lending to selling options and how a €50 plan he doubted became a very large business.

6. How to Cross-Sell Without Spamming Your Customers
   See how a machine learning model and an AI account manager choose the next product for each customer.

7. How to Pick Markets and Take On Amex and Chase
   Learn the three checks Revolut runs on a country and its plan to win in the US.

8. How to Find the Product That Should Grow 3x Faster
   Find out how Nik spends his week and how he caught a team hitting its targets at a fifth of its potential.

9. How AI Shrinks a Product Team to Two People
   See what one developer can cover today and why Revolut still runs teams of 10.

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