Kristo Käärmann is the co-founder and CEO of TransferWise which is a money transfer service allowing private individuals and businesses to send money abroad without hidden charges. The company has raised so far $689 million with a $3.5 billion valuation. Investors include SV Angel, Index Ventures, Andreessen Horowitz, Kima Ventures, IVP, Sapphire Ventures, IA Ventures, Valar Ventures, or Mosaic Ventures to name a few. Other individual investors include Richard Branson or Max Levchin.