View of the logo of Brazilian FinTech Nubank outside its headquarters, in Sao Paulo, Brazil, on January 30, 2026. Nubank has received initial approval to operate as a bank in the United States, after becoming, in just over a decade, one of the most valuable companies in Latin America. (Photo by Nelson ALMEIDA / AFP via Getty Images)

View of the logo of Brazilian FinTech Nubank outside its headquarters, in Sao Paulo, Brazil, on January 30, 2026. Nubank has received initial approval to operate as a bank in the United States, after becoming, in just over a decade, one of the most valuable companies in Latin America. (Photo by Nelson ALMEIDA / AFP via Getty Images)

View of the logo of Brazilian FinTech Nubank outside its headquarters, in Sao Paulo, Brazil, on January 30, 2026. Nubank has received initial approval to operate as a bank in the United States, after becoming, in just over a decade, one of the most valuable companies in Latin America. (Photo by Nelson ALMEIDA / AFP via Getty Images)

View of the logo of Brazilian FinTech Nubank outside its headquarters, in Sao Paulo, Brazil, on January 30, 2026. Nubank has received initial approval to operate as a bank in the United States, after becoming, in just over a decade, one of the most valuable companies in Latin America. (Photo by Nelson ALMEIDA / AFP via Getty Images)

View of the logo of Brazilian FinTech Nubank outside its headquarters, in Sao Paulo, Brazil, on January 30, 2026. Nubank has received initial approval to operate as a bank in the United States, after becoming, in just over a decade, one of the most valuable companies in Latin America. (Photo by Nelson ALMEIDA / AFP via Getty Images)

View of the logo of Brazilian FinTech Nubank outside its headquarters, in Sao Paulo, Brazil, on January 30, 2026. Nubank has received initial approval to operate as a bank in the United States, after becoming, in just over a decade, one of the most valuable companies in Latin America. (Photo by Nelson ALMEIDA / AFP via Getty Images)

People walk past the logo of Brazilian FinTech Nubank outside its headquarters, in Sao Paulo, Brazil, on January 30, 2026. Nubank has received initial approval to operate as a bank in the United States, after becoming, in just over a decade, one of the most valuable companies in Latin America. (Photo by Nelson ALMEIDA / AFP via Getty Images)

View of the logo of Brazilian FinTech Nubank outside its headquarters, in Sao Paulo, Brazil, on January 30, 2026. Nubank has received initial approval to operate as a bank in the United States, after becoming, in just over a decade, one of the most valuable companies in Latin America. (Photo by Nelson ALMEIDA / AFP via Getty Images)