【文章标题】：38x in Ten Months: Inside One of Fintech’s Fastest-Growing Infrastructure Companies (Farooq Malik, CEO of Rain) 【文章标题】：十个月增长38倍：走进金融科技领域增长最快的基础设施公司之一（Rain首席执行官法鲁克·马利克）
【文章正文】： 【文章正文】：
“Money, quantifiable, is larger than AI, it’s larger than food, it’s larger than oil and gas, it’s larger than municipal water supplies. It’s larger than government spending. It’s larger than defense. It’s all of these combined.” —Farooq Malik, CEO of Rain “从可量化角度来看，货币的体量超过人工智能，超过食品，超过石油和天然气，超过城市供水。它超过政府支出，超过国防开支。它是所有这些的总和。”——法鲁克·马利克，Rain首席执行官
Listen or watch now on 现在即可在以下平台收听或观看
YouTube YouTube
,
,
Spotify Spotify
, or ，或
Apple Podcasts Apple Podcasts
Farooq Malik 法鲁克·马利克
is the co-founder and CEO of Rain, a financial infrastructure company powered by stablecoins. Growing up in an immigrant family, Farooq saw firsthand the friction involved in moving money across borders. Alongside co-founder Charles Yoo-Naut, Farooq spent years building infrastructure before stablecoins became mainstream, betting that tokenized money would eventually become a foundational layer of the global financial system. Today, Rain powers card issuance, payments, and other financial products built on stablecoin rails, helping companies move money faster and operate across markets. 是Rain的联合创始人兼首席执行官。Rain是一家由稳定币驱动的金融基础设施公司。法鲁克在一个移民家庭中长大，亲身目睹了跨境转账中的种种摩擦。在稳定币成为主流之前，法鲁克与联合创始人查尔斯·尤-诺特（Charles Yoo-Naut）一起花了数年时间建设基础设施，押注代币化货币终将成为全球金融体系的基础层。如今，Rain为基于稳定币轨道的卡片发行、支付及其他金融产品提供动力，帮助企业更快地转移资金并在多个市场开展运营。
In our conversation, we explore: 在我们的对话中，我们探讨了以下内容：
How stablecoins combine the advantages of cash and electronic money 稳定币如何结合现金与电子货币的优势
The barriers that still make moving money across borders expensive and inefficient 那些仍然导致跨境转账昂贵且低效的障碍
The parallels between being an immigrant and being an entrepreneur 移民身份与创业者身份之间的相似之处
How Farooq and Charles met through On Deck and decided to build together 法鲁克和查尔斯如何通过On Deck相识并决定共同创业
What Rain gained by building before the market was ready Rain在市场成熟之前就开始建设，获得了什么
How Rain earned the trust of early partners who later became customers Rain如何赢得早期合作伙伴的信任，这些伙伴后来成为了客户
What 《孙子兵法》
The Art of War 《孙子兵法》
taught Farooq about patience 教会了法鲁克关于耐心的什么道理
The misconception that stablecoins are only for emerging markets 认为稳定币只适用于新兴市场的误解
Why the payments market is big enough for multiple winners 为什么支付市场足够大，可以容纳多个赢家
Why he believes Rain’s infrastructure is well positioned for a future shaped by AI agents 为什么他相信Rain的基础设施在由AI智能体塑造的未来中占据有利位置
Thank you to the partners who make this possible 感谢让这一切成为可能的合作伙伴
Brex Brex
:
：
The intelligent finance platform. 智能金融平台。
Explore the episode 探索本期节目
Timestamps 时间戳
(
(
00:00 00:00
) Intro ）开场介绍
(
02:46 02:46
) An overview of Rain and global-first financial infrastructure ）Rain概览与全球化优先的金融基础设施
(
06:57 06:57
) The barriers to moving money and how technology can reduce them ）资金转移的障碍以及技术如何减少这些障碍
(
15:34 15:34
) How stablecoins behave like cash ）稳定币如何像现金一样运作
(
18:46 18:46
) The economic opportunity of a more efficient monetary system ）更高效货币体系带来的经济机遇
(
22:06 22:06
) How Farooq’s childhood as an immigrant shaped him ）法鲁克作为移民的童年如何塑造了他
(
26:00 26:00
) Farooq’s first entrepreneurial venture ）法鲁克的第一次创业尝试
(
29:11 29:11
) Lessons from Farooq’s career before founding Rain ）法鲁克创立Rain之前的职业生涯经验
(
36:09 36:09
) Connecting with Charles through On Deck ）通过On Deck与查尔斯相识
(
39:51 39:51
) From Sign and Wire to Rain ）从Sign and Wire到Rain
(
42:18 42:18
) Why Rain bet on stablecoins ）Rain为何押注稳定币
(
47:25 47:25
) How a Rain card works ）Rain卡如何运作
(
49:15 49:15
) How Rain thinks about its business ）Rain如何看待自身业务
(
51:12 51:12
) Lessons from The Art of War ）《孙子兵法》的启示
(
54:30 54:30
) Rain’s approach to hiring and management ）Rain的招聘与管理方法
(
55:47 55:47
) Why the US is a stablecoin hub ）为什么美国是稳定币中心
(
59:10 59:10
) Why there’s room for more than Stripe ）为什么市场空间远不止一个Stripe
(
1:03:39 1:03:39
)
)
How Farooq and Charles stay aligned with limited meetings 法鲁克和查尔斯如何在有限会议下保持步调一致
(
1:05:54 1:05:54
) Rain’s most critical mantras ）Rain最重要的信条
(
1:08:56 1:08:56
) Why Rain is ready for AI agents ）为什么Rain已为AI智能体做好准备
(
1:12:30 1:12:30
) Final meditations ）最后的思考
Follow 关注
Farooq Malik 法鲁克·马利克
LinkedIn: LinkedIn：
https://www.linkedin.com/in/fhmalik https://www.linkedin.com/in/fhmalik
X: X：
https://x.com/rooqster https://x.com/rooqster
Website: 个人网站：
https://fhmalik.com https://fhmalik.com
Resources and episode mentions 资源与节目提及
Books 书籍
The Art of War 《孙子兵法》
: ：
https://www.amazon.com/dp/1599869772 https://www.amazon.com/dp/1599869772
People 人物
Pierre Omidyar on LinkedIn: 皮埃尔·奥米迪亚（Pierre Omidyar）的LinkedIn：
https://www.linkedin.com/in/pierre-omidyar-bb10687b https://www.linkedin.com/in/pierre-omidyar-bb10687b
Charles Yoo-Naut on LinkedIn: 查尔斯·尤-诺特（Charles Yoo-Naut）的LinkedIn：
https://www.linkedin.com/in/charlesnaut https://www.linkedin.com/in/charlesnaut
Other resources 其他资源
Rain: Rain：
https://www.rain.xyz https://www.rain.xyz
Revolut: Revolut：
https://www.revolut.com https://www.revolut.com
Rise: Rise：
https://www.riseworks.io https://www.riseworks.io
Airwallex: Airwallex：
https://www.airwallex.com https://www.airwallex.com
Stripe: Stripe：
https://stripe.com https://stripe.com
“Margaritaville”: 《玛格丽塔维尔》：
https://southpark.cc.com/episodes/9do3gw/south-park-margaritaville-season-13-ep-3 https://southpark.cc.com/episodes/9do3gw/south-park-margaritaville-season-13-ep-3
Wired: 《连线》杂志：
https://www.wired.com https://www.wired.com
On Deck Founder Fellowship: On Deck创始人奖学金：
https://joinodf.com https://joinodf.com
Lehman Brothers: 雷曼兄弟：
https://en.wikipedia.org/wiki/Lehman_Brothers https://en.wikipedia.org/wiki/Lehman_Brothers
Booz Allen: 博思艾伦：
https://www.boozallen.com https://www.boozallen.com
Sign and Wire: Sign and Wire：
https://www.signandwire.com https://www.signandwire.com
Bridge: Bridge：
https://www.bridge.xyz https://www.bridge.xyz
Universal Basic Income (UBI): 全民基本收入（UBI）：
https://en.wikipedia.org/wiki/Universal_basic_income https://en.wikipedia.org/wiki/Universal_basic_income
Subscribe to the show 订阅节目
I’d love it if you’d subscribe and share the show. Your support makes all the difference as we try to bring more curious minds into the conversation. 如果你能订阅并分享这个节目，我会非常感激。在我们努力将更多好奇的思想带入对话的过程中，你的支持至关重要。
YouTube YouTube
Spotify Spotify
Apple Apple
Production and marketing by 制作与营销由
penname.co penname.co
. For inquiries about sponsoring the podcast, email jordan@penname.co. 负责。如有关于赞助本播客的咨询，请发送邮件至 jordan@penname.co。