Category "Business"

5 min read

Opinions expressed by Entrepreneur contributors are their own.

Quantum computing has long gone beyond the pages of science fiction. Scientists achieved the first impressive results in the creation of experimental quantum processors 20 years ago. Now is the time to work on increasing computing power and reducing errors in order to finally create a real quantum leap.

The leaders of the quantum race are IBM, Google, Honeywell, and other large corporations. They see incredible potential in the technological application of “quantum superposition”. In theory, the power of a quantum processor is enough even to crack the most high-tech cryptographic protocols.

Of course, the goal of quantum systems is not to dominate the blockchain. It’s just an indicator of the potential computing power of the technology that could bring the next technological revolution and change the world again. 

While corporations spend millions of dollars a year developing future supercomputers, more and more private companies are joining the trend. One of the leaders in this direction is QubitTech. The company has built an ecosystem to boost investment returns and create stable passive income.

QubitTech is not limited to automation, but aims to simplify the life of every partner. The company understands the importance of not only providing demanded tools for clients but also uniting them with a common idea, interests, and connections with each other. 


QubitTech Ecosystem

The QubitTech team has created a range of products delivering amazing profitability results. Among the main services that form the QubitTech ecosystem are the following:


Trading robots

AI-powered tool for traders. Bots can automatically open and close positions by setting take profit and stop loss. The use of high-tech computing allowed us to minimize the risk and increase the number of profitable transactions. The robot’s API can be connected to the exchange.

Trend Robot, a strategy based on moving average indicators (MA4, MA9 and MA20), and the RSI oscillator. Smart robot – trading in channels, from support and resistance levels, from local extremes, searching and using candlestick patterns, supporting various technical indicators. Flat robot – the strategy is based on changing the RSI oscillator and crossing the boundaries of the selected range.


Digital license

The QubitTech digital license allows the partner to receive up to 25 per cent profit every month. This is a completely automated process that does not require additional attention. Daily payments are available for withdrawal from the first day, and the minimum license price starts from $100 and can be increased up to $100,000.


Corporate license

This is available to Digital License partners. The main feature of the Corporate license is that the partner cannot withdraw income until the license expires. The corporate license is suitable for partners who plan to buy a house or a car while having only 30-50 per cent of the amount. Part of the corporate license is QUBIT TRAVEL, which allows you to save up to 50 per cent on travel around the world. Its cost starts from $1,000 and the duration is about 3 months.


Cashback license

This is a new product that allows partners of the company to receive up to 100 per cent cashback from daily purchases. This offer works for any expenses: renting a house; buying food, clothing, or equipment, paying for any services. Cashback is credited to the main balance of the wallet, and the license can be upgraded at any time.


Network Travel

Group travel and community expeditions to different parts of the world. On March 10, a trip to Colombia starts, and on April 18, QubitTech offers to visit Morocco. It is planned that in addition to the impressions of visiting exotic countries, clients will receive a great experience and networking within the QubitTech community.


P2p platform

One of the new products from QubitTech. is a p2p platform where users can buy and sell bitcoin without brokers and additional fees. Free sale implies any conditions, prices, and volumes, which is more convenient than traditional exchanges that require KYC.


Crypto trading signals

The precision of quantum computing allows QubitTech to analyze the cryptocurrency market and provide partners with about 20 signals per month. Based on this information, even a newbie is able to gain a successful trading experience without much effort.

A mobile application has been developed and released for users in 14 languages. It allows:

– buy licenses;

– track the rewards;

– track the dynamics within the affiliate network;

– manage wallet;

– buy robots, and monitor results;

– follow the news and updates.


The potential of QubitTech

The ecosystem continues to evolve and scale every month. During this year, the company plans to release a number of products, including a gaming platform, a venture fund, and an accelerator. The company is now rapidly moving towards venture capital investments.

Development of the QubitTech Blockchain begins in 2021. This will become the platform for future QubitTech tools. Qubit Stable Token (QST) launch, Qubit Dynamic Token (QDT) implementation and development of a Proof-Of-Stake (POS) algorithm for QDT are also planned soon.

In 2022, the company will work to create a digital ecosystem with its own payment system. And in 2023, it is planned to launch a digital bank based on the QubitTech Blockchain, which will reduce the operating costs of the entire network, and in the future, reach the level of providing financial services around the world.

And for its partners, the company regularly holds the global BaseCamp event, where for 10 days the best speakers and mentors help participants realize their potential and shine. To meet the growing demand, the company continues to develop and has already opened more than 45 offices in 12 countries. The audience reaches 250,000 people.



It turns out that quantum computing is great for developing the cryptocurrency industry instead of competing with it. The idea of QubitTech, which started as a platform for investment analysis and process automation, has grown over time into a huge, complex ecosystem and a major partner for its clients. The great demand and the growth rate of QubitTech’s popularity leave no doubt that the project has a great future.

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This article was translated from our Spanish edition using AI technologies. Errors may exist due to this process.

Opinions expressed by Entrepreneur contributors are their own.

Even as more and more people want to exploit their potential, explore their senses and live their creativity to the fullest, many of us grew up in a society that insists on dictating the way things “should” be. They compulsively tell us how we should dress, how we should think, the steps they think we should walk to be happy, who we should like, and they even define whether or not what we do will lead us to success.

Fortunately, these rules no longer apply to everyone. Every day there are more people who dare to break the schemes by deciding to undertake projects in which they believe and for which they feel great passion. And it was while reflecting on this topic that I asked myself the following question: “What was it that led [us] to make such an important decision in life?” And I came to the same conclusion over and over again, they let go [we let go] of control of everything that they made us believe we could control.

Trust that there are people as good as you, and even better.

Within the world of work, and entrepreneurship, you must remember that humility is a quality that not everyone possesses, but that without a doubt it is a great differentiator. This not only puts you in perspective in any situation, but also allows you to value everything you can learn from other people regardless of whether they have less or more experience than you.

And this is where learning to let go of control comes in, how? Trusting that there are many people out there who you can believe in and with whom you can grow, share and strengthen your own knowledge.

Accept that you can’t do everything

How many times has it happened to you that you say to yourself or someone else: “Yes, I can handle this too.” Or the typical one: “You tell me what I have to do and I’ll do it.” Even when you know perfectly well that you are already saturated with pending, meetings or deliveries. And, as you say yes, you visualize the invisible rope slightly, and slowly, squeezing your neck.

Why are we doing this? Because although we can do many things, sometimes even more than we think, it is necessary to accept that sometimes it is not possible to become octopuses. And you know what? Nothing happens!

Many times I have found myself in this situation, where like you, I feel that the hours of the day do not reach me. Faced with this type of situation, one ends up frustrated and tired of seeing that no matter how much one advances, one continues to go at a snail’s pace. And this is where I once again reaffirm how important it is to dare to let go of the control of wanting to do everything, and that it also turns out well.

Actually, this is precisely where you need to be responsible and cautious enough to correctly calculate your times so that you do not have to work late and better choose to rest and get up earlier to continue. Breathe, a good organization is essential to not feel that everything is for “now.” In the end, you will realize that you can, but that to achieve this it is necessary to make several adjustments.

Also, remember if you do not let go of control of everything that happens in your business, you will fall into the so hated “micromanagement” and that, it is a problem from which it is difficult to get out. You can read my article The Dark Side of Micromanaging here.

Learn to delegate responsibilities

Rather than thinking that delegating is taking away your credit or stealing the spotlight, see this opportunity as the right time for others to gain responsibility.

There are many people who want to do everything by themselves to be able to say that they were the ones who did “such” or “such”. But, sometimes, it says much more about a person to allow a team to do the work, so delegating responsibilities is also part of letting go of control, trusting that there are other people who can complement your knowledge and enrich your experiences.

And finally, I ask you the following question: what do you think is the engine that drives our desire to control everything? Ponder it for a few seconds.

Effectively, control is an illusion based on fear. Fear that someone else won’t do it “as well as you.” Fear that things will “go wrong” because of someone else. And even fear of discovering that someone else is better than you. And here comes my last question.

And won’t it be worth discovering people who are better than you to enrich your business and your own knowledge? At the end of the day, your business depends on contacts, teams and how well you know how to let go, delegate and take advantage of all the opportunities that come your way.

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Starting out for the first time is not glamorous.

This article was translated from our Spanish edition using AI technologies. Errors may exist due to this process.

Opinions expressed by Entrepreneur contributors are their own.

Nobody disputes that running your own business is very rewarding. I have seen the glamorous photos on Instagram of businessmen enjoying the beach and on Facebook I have found posts that say “I love my job !!!!!!” (with everything and the errors in the exclamation marks).

Entrepreneurship can be great, but let’s be honest, running your own business can also be difficult and scary. What can you expect from your first year of business?
This is the naked truth of how mine was.

1. There is much more administration than I expected
During my first year of business I tried to spend as little as possible. I did everything I could myself. For example, I spent 10 hours a day learning to drive on my social media; I optimized my profiles hundreds of times, got millions of customer testimonials, and so on. And all of that took a long time.

2. I used to eat at my desk
Most days I had lunch on my MacBook. Either that or she would buy junk food that she “sniffed” between client appointments. None of that is fancy or healthy. Sometimes I did it because I had little time, but other times it was because I got stuck finishing a project. However, it is essential to take care of your health, something that did not matter to me. Which brings me to my next point.

3. I gained 10 kilograms
I’ve never been too skinny, but I gained weight from bad habits that I was sabotaging myself with. Eating on top of my computer, skipping breakfast, not moving around enough, not eating dinner until I was starving and then eating whatever I found. Sadly the list goes on and it is very common among new entrepreneurs. We dive headlong into our work and put everything else in the background. Why do we do that to ourselves? Not well. I have lost half the weight I gained by adopting new habits, but it is difficult.

4. I made bad decisions
It was very difficult for me to establish my personal brand. For a while I tried to represent what other people wanted to see in me and not only did I not succeed, it made me feel false. But that’s the lesson of experience: when you know more, you decide better. Learning from your mistakes helps you do better next time.

5. I had to ask a lot of help
In my first year of business I launched a series of online courses. I didn’t know anything about the required technology, so I had to ask for help, something that is very difficult for me. I didn’t know much about making videos or even how to take courses, but admitting how little I knew helped me learn from those who were experts.

6. I improved my work all the time
In my first post it sounded like a corporate robot, but now I have another voice. I’ve rewritten articles and posts, experimented with social media, improved programs, and so on. I’ve done a lot of trial and error. Building a business is a process, not a to-do list to check off. The reality that work is never really done can be frustrating at times.

7. I was terrified all the time!
Launching your product and service without being certain that it will succeed is terrifying. It is about generating a new company, finding clients, sharing your ideas, promoting your work, asking for help, that is, you are always vulnerable. Running your own business, especially at the beginning, is like bringing your heart out.

However, once you start to gain experience the fear subsides and you start to enjoy your adventure. Do not give up!

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This level achieved that the digital asset will exceed its record set on Monday, February 8, after Tesla announced the investment of 1.5 billion dollars in the cryptocurrency.

1 min read

This article was translated from our Spanish edition using AI technologies. Errors may exist due to this process.

Bitcoin surpassed $ 47,000 on Thursday, February 11, and set a new record. The cryptocurrency rose 7.9 percent and reached a price of $ 47,837.74.

This level achieved that the digital asset will exceed its record imposed on Monday, February 8, after Tesla announced the investment of 1.5 billion dollars in the cryptocurrency.

According to El Financiero , eToro analyst Simon Peters commented that these types of assets were entering the realms of traditional finance at an astonishing rate.


On the other hand, Mastercard, described them as “stable coins” that constantly combine their value with other assets such as the US dollar.

Mastercard has given cryptocurrencies new credibility this week by announcing that it intends to start supporting payments using them on its network this year.

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Let’s review what fails us when setting goals.

This article was translated from our Spanish edition using AI technologies. Errors may exist due to this process.

Opinions expressed by Entrepreneur contributors are their own.

“I’m going to quit smoking.” Five days later, stress takes over and you do it again.

“I am going to increase the sales of the business by 20% this year.” Six months later the business has closed.

Surely you feel identified with these phrases either because they have happened to you in a personal capacity or because you know other people who have seen how their New Year’s resolutions stay in that only a few days or weeks after we have proposed them.

According to Michael Hyatt, great leadership guru, New Years resolutions are as old as time. Unfortunately for most of us these purposes don’t last long. Why?

For some they last so little that already in the first days of the year they consider them failed. According to a study by the University of Scranton, in the United States only 8% of people succeed in their endeavors. This is quite discouraging, especially since surely some of you have already stopped coming up with new goals because you think you are going to fail to achieve them. That is not the attitude!

Here are the five reasons that Michael and Megan Hyatt point out as the culprits that we fail in our purposes:

1. Loosely defined purposes

It is not enough to say that you want to be a better professional or that you want to improve your health. Your wish alone is not going to change your life. You have to define it in terms of something you can act on. A vague purpose will not help you know where to start to achieve it.

Goals must be specific. For example, if you intend to earn more money, you must set a figure.

2. Boring purposes

Goals should be interesting, exciting, and preferably challenging. In order to be successful in achieving a goal, you must have intrinsic motivation.

It all comes down to the fact that if we do not understand why we want to achieve a certain goal, it is quite likely that we will get lost along the way. Think right now about those resolutions that you set for yourself and assess what is at stake? What will I gain if I achieve this goal or what will I lose if I don’t? Does it stimulate you?

3. Purposes too easy

Well yes, the third reason why we fail in our purposes is because they are too easy. Although it may seem contradictory, it is not. While we have always been told that the goals we set should be realistic, this does not mean that they should be easily achievable. Being realistic does not mean being conformist, in other words, bet high and you will win more.

Goals must be outside of our comfort zone, as the expert tells us. There are three areas:

  • The first is the comfort zone, which is where realistic goals tend to be. We deceive ourselves by setting goals that are very close to our current situation, thinking of them as an improvement of a certain situation, but if we do not feel obliged to make an extra effort to achieve them, or motivate us, there are many possibilities of ending up failing. those “easy to reach” goals.
  • The second is the zone outside of our comfort. Here you begin to feel fear, uncertainty, and you doubt if you can achieve it because you have never done it before. This is where you should try to set your goals.
  • The last one is the illusory area, if we propose something in this area, being little reachable, we end up demotivating and abandoning ourselves.

Our brain pushes us to protect ourselves, setting unambitious goals simply because we fear failure or make a fool of ourselves. Don’t let it!

4. Too many goals or goals that are too ambitious

The fourth reason why we fail is that our goals end up overwhelming us because they are too many or because they are very ambitious goals. You must work conscientiously in setting goals and defining an order of priority in order to work more efficiently.

Michael Hyatt tells us about the importance of concentrating efforts, focusing on a few goals at a time can make us much more effective in achieving them.

5. We fail in our purposes because we forget them

It is important to always keep in mind the goals so as not to lose the north, that is why it is advisable to review them periodically, which in addition to serving as a reminder will help us evaluate if everything is on the right track or if some adjustment is necessary.

Ready to achieve your purposes?

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Forget about special talents — the ability to handle frustration is critical to success.

This article was translated from our Spanish edition using AI technologies. Errors may exist due to this process.

We all feel frustrated from time to time: a lump forms in our throat and a feeling of helplessness invades us, as if we wanted to run away, but a great wall prevented us. True?

It may be that you carry this frustration from home, or that some situation in the office – perhaps an argument with your boss, your subordinates or a co-worker – has triggered it. Whatever its source, dragging this feeling and letting it build up is never a good idea.

Daniel Goleman, creator of the concept of emotional intelligence , considers that the ability to handle frustration is one of the most important to achieve success. It is much more important than having endless special talents!

Before you quit without thinking about the consequences or flood your office with yelling, take note of these tips. Your problems may not magically disappear, but one thing is for sure: you will be able to handle them much more wisely.

Acknowledge when you feel frustrated

It sounds obvious, but that doesn’t make it any less true: the first step in dealing with frustration is certainly acknowledging it. Acknowledging our stumbling blocks or feeling disappointed does not make us weak… quite the opposite! Having emotional intelligence implies, first of all, learning to recognize our emotions as well as what causes them.

Trust your potential

If you know your capabilities, know how to exploit your talents and trust what you are capable of, it will take much more than a bad streak to bring you down. Recognize your skills and cultivate them to go even further.

Know your limitations

Just as you must recognize your qualities, it is important that you know how far you can go. This does not mean that you are mediocre or that you do not aspire to improve: you simply know what tools are available to you to achieve your goals, and you are looking for a way to get the best out of them. If you know your limitations and potentialities, the stumbles will be much less hard.

Don’t take anything personal

In a fit of anger, your boss yelled at you that you had made an “unacceptable” mistake. Or maybe one of your subordinates was so distracted that they missed a key aspect of growing your business. Does your boss hate you? Does your employee want to make your life impossible? Whether someone breaks out at you or unleashes your anger, it’s important to keep in mind that, in the confines of an office, NOTHING is personal. So don’t take it as such.

Adjust your strategy

People destined to fail take every stumble as a sign that they shouldn’t move on. Those with emotional intelligence see every fall as an opportunity to see what went wrong and readjust their strategy. They are practical: they preserve what works for them, discard what does not, and thus achieve an increasingly effective growth strategy.


No, meditating is not just for Buddhist monks or hippies seeking to achieve nirvana. If you knew that the most successful people in managing their emotions (and their businesses) have the habit of meditating daily, you would be surprised… For example? Oprah Winfrey or Madonna. Meditating not only allows you to calm down, but also to enter a state of self-awareness that helps you have better control of your emotions.

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85% of Mexican organizations lack adequate conditions for their employees to have a balance between their personal and work life.

5 min read

This article was translated from our Spanish edition using AI technologies. Errors may exist due to this process.

By: Lucas Melman, CEO of Gympass México

Health ” is probably the main desire, interest and motor of both personal and company agendas in 2021. In an environment as challenging as the previous year, it is increasingly essential to know the new tools and platforms that allow meeting the regulations already established such as NOM 35 , as well as the recently approved reform to regulate teleworking .

One of the concerns that we hear the most in Gympass from the Human Resources area is how to support teams, especially because according to a study by the National Autonomous University of Mexico (UNAM), 85% of Mexican organizations lack adequate conditions for its employees to have a balance between their personal and work life, which causes physical and psychological disorders.

One of the elements that companies can rely on is precisely technology: bringing together integrated platforms where employees find tools that allow them to achieve precisely that balance: from food to adopt or deepen healthier lifestyles, physical training options or start meditation practices to improve the quality of the day to day.

Let us also consider that according to information from the Gartner consultancy, 41% of employees would be willing to continue with the home office scheme, being that before the pandemic only 30% worked remotely from time to time and that the circumstances themselves will be conducive for more and more people to join this work modality.


We know how challenging the year is, so I would like to share five actions that can support you to address the concerns of work teams at the beginning of 2021.

  1. Explore flexible schemes: Teams likely have different needs in order to meet their goals. It is important to consider various approaches to design policies that allow teams to benefit as much as possible from the benefits of remote work and to adequately meet their objectives. Remember that showing flexibility goes a long way towards building support networks and value relationships that benefit everyone.
  2. View wellness as an integrated concept. One of the main learnings that 2020 left us is that physical well-being is as important as emotional well-being, due to the impact it has on social skills as well as the ease of proper concentration, empathy, idea generation and teamwork. According to Gympass’ own study at the regional level, 77% of the users interviewed highlighted the importance of companies offering wellness solutions, however, only 34% of companies had an approach that also included the emotional aspect and not just the physical.
  3. Strengthens resilience capacities: It is no coincidence that companies use phrases and images associated with the sporting world: “Eyes on the goal”, or “achieving market positioning is not a short race, it is a marathon”. Physical activity is a great teacher so that both from the individual and from the formation of teams we know our strengths, we improve our communication skills and it is an experience that can be capitalized in a positive way both by leaders and by the companies themselves.
  4. It fosters collaborative environments: Collaborative work is an essential ingredient in all processes, in this new context, teams can be impacted by the geographic barriers of remote and dispersed work; However, establishing common challenges through physical activity or wellness on an integrated platform can be a catalyst to spark powerful conversations that allow them to stay creative, innovative and close.
  5. Don’t forget about self-care. The Human Resources area was one of the areas that suffered the greatest wear and tear during 2020. It is also important that those responsible for the optimal functioning of the teams are included in the physical and emotional care agenda, with exercise routines and monitoring of activities either meditation, yoga and those applications for a better quality of sleep. Happy employees are not only synonymous with healthy people, but also with productivity, loyalty to the company, aspects that provide a healthier work environment.

Companies are one of the productive engines of any economy. They cannot forget that they are entities made up of people, who unite their efforts, talents, discipline and interests to achieve a common goal. To the extent that the approaches are more comprehensive and measures are adopted for the physical and emotional care of the teams, there will be a positive impact that allows the development of potentialities and capacities to increase well-being, generating virtuous circles in the new dynamics of the labor market .

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There are currently 126 Venture Capital investment funds in Mexico, of which 104 operate mainly with money from Mexican investors.

3 min read

This article was translated from our Spanish edition using AI technologies. Errors may exist due to this process.

Opinions expressed by Entrepreneur contributors are their own.

Currently we hear about technology companies that have grown exorbitantly and that have acquired great importance due to the impact that their solutions have on the market. Despite the accelerated growth of these companies and the impact solutions they have, one could not speak of the impact, scaling and growth without the armed wing of private capital, specifically Venture Capital, generating an impact such that today we could see it as a solution to promote the growth and well-being of our economic ecosystem.

According to the Mexican Association of Private Capital, there are currently 126 Venture Capital investment funds in Mexico, of which 104 operate mainly with money from Mexican investors. These funds preferably invest in startups at all stages of these companies. And although many efforts have been made to promote the development of the VC value chain, there are still some that require strengthening, as is the case of angel investors.

What do angel investors do?

Angel investment is an activity that promotes entrepreneurship and innovation through the contribution of capital, mainly in startups that are in the early stages of their life cycle. Investor angels do the same job as mutual funds without being institutionalized; However, just because they don’t operate this way doesn’t mean you’re not looking for an investment return on your capital.

Image: Isaac Alcalá / Entrepreneur en Español

What are the main models that exist?

Angel investors usually work independently and through angel investor networks.

If your goal is to become an angel investor, the suggestion is that you approach a network so that you make adequate investments, you know the investment theses, which are the best recommendations. A network works as a facilitating entity in bringing entrepreneurs together with high net worth individuals or families and turning them into an investment opportunity for the former. A network of angels, it shares risk and has a diversified batch of startups, says G2 Momentum Capital, a VC fund for startups.

The Mexican ecosystem has been strengthened and is on the right track; However, it is still necessary to strengthen this link in the Venture Capital chain and one of the ways is by adding networks and new angel investors.

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This article was translated from our Spanish edition using AI technologies. Errors may exist due to this process.

Opinions expressed by Entrepreneur contributors are their own.

The same thing always happened to him: when he said no , a strange sense of guilt came over him. He was overwhelmed in real time and as he walked away he began to feel trapped in the complex whirlpool of his own regret. He could almost guess the gaze of his interlocutor as he turned his back on him: off, hurt, confused and paralyzed by the refusal he had just thrown at her.

Sometimes it happened at home, with family and friends. He felt guilty when his loved ones asked him for favors that for some reason he knew he could not fulfill. But mostly it happened to him at work. The improvised requests multiplied and since his superiors and colleagues knew that he would always say yes, they did not hesitate to seek him out. Reports, presentations, last minute meetings and bombings that multiplied as the day progressed.

All caused by his inability to say no.

The few times that he managed to do it, he ended up feeling so bad that he returned with regret to his interlocutor to tell him that he had thought well and that he could: yes he would attend, yes he would help, yes he would improvise.

He would pass them by in his car to make life easier for them. He would change the course of his day, his week, his month, his life. He would stray, stay up late, work the extra hours needed just to be able to say yes.

Because with an affirmation he fulfilled expectations and that made him feel momentarily at peace.

He did not, on the other hand, marginalize him, made him cruel and selfish.

The refusal made him guilty.

That’s why most of the time he said yes. And when he said no, in the end he regretted it.


The day the CEO of the company called him into his office, he sensed what would happen. Times were violent in the company and every third Tuesday there was a restructuring. He was part of a project he loved: he was passionate about his job and although the pay was not enough, he knew he was happy.

His colleagues recognized his talent and so did the managers.

He closed the door and for five minutes he listened to what his director had to say to him. He must have been proud: he was being considered for promotion. In these times that could not be offered to anyone. There would be cuts in the next few weeks, but he could rest easy.

He would be promoted and receive a raise. Your decisions could have an even deeper impact on the organization. In addition, with the new position would come other privileges. But there was a price to pay: the promotion forced him to put aside some of the things he liked to do best. Now he would be in charge of supervising the work of others: he would be appointed director of an entire area.

I just had to say yes at the time.

The whisper of intuition was like a warning. From the depths of his being something asked him a no. It was as if his essence had always understood that this position did not belong to him, that the price to pay was too high, that he would exchange a job he loved for a more renowned position and a better salary. That yes, with everything and the economic improvement, took him away from what he wanted to do with his life.

He was silent for a moment, torn between his truth and someone else’s expectation of him. The idea of looking bad to the company that had given him everything and now offered him even more, silenced the warning that came from within.

As if accepting a sentence, he gave a yes for an answer.


Years after that yes, he woke up one day wondering what would have happened if he had said no. It wasn’t regret: he had made a decision and understood that he had to live with it. But the doubt existed: what would become of him if instead of drowning her, he had let his inner voice speak?

Perhaps nothing would have been different. Perhaps he would be exactly where he was now.

Or perhaps saying no would have brought him closer to himself, to his truth, to everything that once, during a distant night of adolescent idealism, he had sworn to do.

Because now he realized that the yes, when it was not pronounced from the real center of oneself, deviated, changed directions and, little by little, oxidized.

The yes, which made him look good to others, took him away from his truth.

Confused by the harshness of his find, he tried to learn how to say no. Because it was never too late.

After reading, after studying, after reconsidering and understanding that he could not exist by denying everything and everyone, he tried to learn to live with the complex art of saying no.

The first thing he defined was that, in order to deny, he had to know exactly what his mission was. What did you want?

It needed a bright, clear beacon in the darkness of its horizon. Without a goal to achieve, how did you hope to one day get to the place where your destiny awaited you?

Knowing the place he intended to arrive, he could return to the path that would lead him to the center of himself, even if a thousand statements would divert him along the way.

Later he understood that the simple no, would never be enough. If you did not want to close doors, if you did not want to be perceived as someone selfish and individualistic, the refusal should always be accompanied by something else: a recommendation so that the person who made the request could begin to solve their problem. He was not obliged to give too many explanations, but that did not prevent him from being empathic with those who sought him out by offering him something or asking for his help.

He also learned that nothing forced him to say yes in real time. Any answer could wait. The inherited or perhaps learned urge to respond immediately, as if it were an oral exam in high school, had accompanied him for decades like a condemnation, amplified by the speed of response with which we live today (yes: social networks , emails, WhatsApp messages that our interlocutor knows we have received and read).

Today I understood that yes could wait as long as no.

He had the power to freeze them for as long as it took. The right to analyze and think before answering was on his side.

He concluded that, despite everything he had been told, well said he was not a positive word. An affirmation of what he was, what he believed, and what he dreamed of being.

Well used and understood, he was not an armor that protected his deepest longings and at the same time, the cornerstone to build his destiny, to find his truth along the way.

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5 min read

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Harshil Mathur and Shashank Kumar (Founders of Razorpay) always wanted to build something which would solve a core problem that the masses face. In 2014, they were working on a crowdfunding portal for India but soon realized that most of the online payment gateway solutions were extremely cumbersome to get started on, especially for startups and SMEs. When they observed and witnessed this poor state of the online payment industry in India, they understood that they have a larger and more important issue to solve – to democratize payments for Indian businesses, particularly the underserved economy, SMEs. And that is how Razorpay was founded in 2014, as India’s first payment gateway built for startups and creating a platform for a simple, affordable and secure way for businesses to accept payments online. Six years to now, Razorpay has evolved from being a payment gateway to a full-stack financial services company with offerings such as Razorpay Capital, and RazorpayX.

Razorpay Capital is a lending platform, designed to support SMEs with instant and easy access to lenders. Based on the business’s transaction history with Razorpay, the company facilitates credit. The platform currently offers a loan of ticket size varying from 5 Lakhs to 1 Cr. RazorpayX is a neo-banking platform. The solution is designed to simplify banking for businesses, accelerate and supercharge every aspect of a business’s financial operations — from accepting payments and managing cash flow to reconciling transactions and flexible payouts. The neo banking arm of fintech giant, RazorpayX has hit a TPV (Total Payment Volume) of USD 3 bn annualized. The company now provides technology payment solutions to over 1,000,000 businesses.

In the last six years, the company has powered digital payments for more than 5Mn small and large businesses such as Facebook, Indigo, BSE, Airtel, Reliance, SpiceJet, Aditya Birla, and Oyo, among others. The company has been working towards enabling the adoption of digital payments especially in traditional cash-rich sectors such as education, insurance, and mutual funds, among others. The company has clocked in a healthy growth rate of 40-45% healthy month on month growth in the last 6 months of Covid-19 and is geared up to increase the number of businesses to 15 Mn by 2021. This full-stack financial services company expects a 4x growth in its revenue in this year, 2021. Just like every other startup’s journey, Razorpay’s journey has also been filled with ups and downs but it was all a journey of perseverance that has brought them and the company thus far, reaping fruits of success. In 2013, when Harshil and Shashank decided to build something new for the fintech ecosystem without having any knowledge or a qualified background in finance. One of their first steps towards building Razorpay was working with banks and financial institutions, but soon they realized the journey wasn’t going to be easy because there were many complications that were lying ahead of the road. They met over 100 bankers who didn’t believe in them or the idea as they were primarily seen as ‘college graduates’. But they never gave up until one bank helped them go live and from serving five customers out of a small office in Jaipur, Razorpay today serves over 5Mn businesses across India.

Soon in the year 2016 when the market had gone really weak in India, Razorpay founders felt the journey isn’t going to be smooth as they thought because, at that point in time, VC funding was also drying up, businesses weren’t scaling up much. But there was a hope in the unseen when one of the investors went ahead and offered Razorpay a series B term sheet and said, “while the markets are doing bad, we firmly believe that your business will do really well as the market starts recovering. And we wanted to offer you a series B term sheet”. And for Razorpay that wasn’t about the money but the belief that there’s an investor and board member who believes in the journey as well. With total fundraising of USD 206.5 million from marquee investors along with 33 angel investors, the fintech startup achieved a billion-dollar valuation in the year 2020.

When asked about the road to profitability, Mathur says, “Razorpay expects to attain break-even in the forthcoming financial year.” A key area of growth for Razorpay in 2021 is Business Banking, and via its Neo-banking arm, RazorpayX, the company has been disbursing working capital of 250Cr per month and aims to increase it to 500Cr monthly in 2021.




SERIES A: USD 11.5 million (Tiger Global, Matrix Partners)

SERIES B: USD 20 million (Tiger Global and Y Combinator along with participation from Matrix Partners)

SERIES C: USD 75 million (Ribbit Capital, Sequoia Capital India)

SERIES D: USD 100 million (GIC, Sequoia Capital India, Ribbit Capital, Tiger Global, Y Combinator and Matrix Partners)

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