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Tobi shares his perspective on why companies are a form of technology, how internal tools and \"opinionated software\" shape an organization's culture and accelerate its evolution, and why the best gift is finding a beautiful, unsolvable problem.\n\nShow notes: \n\u2022 [Buy] Momax: 140W Universal Travel Adapter | https:\/\/www.amazon.com\/MOMAX-Universal-Technology-Worldwide-Charging-Black\/dp\/B0CRYPKR4H?th=1\n\u2022 [Read] Benjamin Bloom: The 2 Sigma Problem | https:\/\/web.mit.edu\/5.95\/www\/readings\/bloom-two-sigma.pdf\n\u2022 [Buy] Ikigai: vitamin cases | https:\/\/ikigaicases.com\/\n\u2022 [Read] Kevin Kelly: 1,000 True Fans | https:\/\/kk.org\/thetechnium\/1000-true-fans\/\n\u2022 [Read] Erich Gamma: Design Patterns | https:\/\/www.amazon.co.uk\/Design-patterns-elements-reusable-object-oriented\/dp\/0201633612\n\u2022 [Read] Charles Calomiris: Fragile by Design | https:\/\/www.amazon.co.uk\/Fragile-Design-Political-Princeton-Economic\/dp\/0691155240\n\u2022 [Listen] Business Breakdowns: Formula One | https:\/\/podcasts.apple.com\/gb\/podcast\/formula-one-the-iconic-motor-sport\/id1559120677?i=1000526586800\n\u2022 [Watch] Netflix: Formula 1: Drive to Survive | https:\/\/www.netflix.com\/title\/80204890\n\u2022 [Read] Mark Robichaux: Cable Cowboy | https:\/\/www.amazon.co.uk\/Cable-Cowboy-Malone-Modern-Business\/dp\/047170637X\n\nFull transcript on Substack: https:\/\/cheekypint.substack.com\/p\/tobi-lutke-is-still-captivated-by\n\nSubscribe to Cheeky Pint\nSpotify: https:\/\/open.spotify.com\/show\/2IHbGJJMpiFoz5YrvRfTFw\nApple Podcasts: https:\/\/podcasts.apple.com\/us\/podcast\/cheeky-pint\/id1821055332\nSubstack: https:\/\/cheekypint.substack.com\/\n\nKey moments\n00:00 Intro\n07:07 How internal software shapes culture\n16:32 The Shopify vision\n27:49 Peak transaction capacity\n34:36 Agentic commerce\n49:15 Shop Pay\n55:29 Stablecoins\n59:20 Stripe + Shopify\n1:12:23 Learning from the Coinbase board\n1:17:23 Is Tobi ungovernable?\n1:25:02 Entrepreneurship\n1:31:50 Advice for Mark Carney\n1:36:40 Motor racing","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/eMSqlQMk480\/default.jpg","https:\/\/i.ytimg.com\/vi\/eMSqlQMk480\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/eMSqlQMk480\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/eMSqlQMk480\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/eMSqlQMk480\/maxresdefault.jpg"],"uploadDate":"2025-10-06T08:50:01+00:00","duration":"PT1H43M13S","embedUrl":"https:\/\/www.youtube.com\/embed\/eMSqlQMk480","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCM1guA1E-RHLO2OyfQPOkEQ#Organization","url":"https:\/\/www.youtube.com\/channel\/UCM1guA1E-RHLO2OyfQPOkEQ","name":"Stripe","description":"Building programmable financial services. 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