Henrique Dubugras and Pedro Franceschi cofounded Brex, which has raised $213 million, reaching a $1.1 billion valuation in less than two years. Brex makes a credit card for startups that determines credit lines based on how much money a company has in the bank. Together, they previously cofounded Pagar.me, which was acquired for tens of millions.

In recent years, Brex has also launched new software offerings like an expense management product and a business bill pay feature: "If you get an invoice in your email, you can just forward it to us and boom, it gets paid," Dubugras tells Forbes on a Zoom call from his home office in Los Angeles. In May, the company rolled out one of the first crypto rewards programs for corporations.

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