> you're comparing ... to the literal largest bank in the world.

Well, Nubank is literally the largest digital bank in the world, by customer count & valuation. I'm baffled as to what you're trying to prove. It's as if I said: "look, this racing team achieved sub-sonic speeds with their bolide because they've put some innovative research and science into it..." and you would've replied: "well, it still can't pull the load a monster truck could..."

Why can't we just agree that what they pulled off within just a few years is actually pretty amazing? And it is pretty cool that the tech direction they chose totally paid off.