Nu Holdings is up 58% year-to-date. They now have 110 million customers in Brazil, covering about 60% of the adult population. The focus is shifting to cross-selling, with average revenue per customer up 20% to $13.40 in Q3. Expansion is picking up in Mexico with 13 million users and Colombia with nearly 4 million. They are also working on getting full banking licenses in those regions and applied for a US national bank charter in September. Trading at about 20 times forward earnings.