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When Plaid won TechCrunch Disrupt 2013’s Hackathon, it wasn’t even Plaid yet. The team was building a web app that let users view their credit card and When Plaid won TechCrunch Disrupt 2013’s Hackathon, it wasn’t even Plaid yet. The team was building a web app that let users view their credit card and debit card transactions on a map. But in the process they figured out how to solve the challenge of integrating banks with the app, planting the seeds of Plaid. Since then, the startup has taken a journey full of twists and turns, including its scuppered acquisition by Visa, followed by a funding round that put it at a $13.4 billion valuation, to the lows of a privacy class action lawsuit and layoffs last year. In a wide-ranging conversation at this year’s Disrupt, founder Zach Perret talked candidly about all those topics.

San franciscoUnited statesJamie dimonZach perretDepartment of justiceLending clubTechcrunch disruptAltimeter capital