Jon Xu
speaker
124 appearances
1 recordings
1 series
first heard Jun 2026
last heard 17 Jun
Jon Xu’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Jun 2026 with 1.
Appearances
Similarly, rather than selling back office software for banks, just be the bank.
One example of this is Corgi Insurance, an AI-powered commercial insurance company from YC's Summer 24 batch.
They were not content with being a tech-enabled broker or even a managing general agent because that was just owning a part of the solution.
Instead, they set an ambitious goal of owning everything from underwriting to providing customer service, the entire commercial insurance stack, and even took the unprecedented step
of acquiring an insurance carrier during their YC batch to make it happen.
Being the full stack insurance company allows Corgi to underwrite any insurance line in any vertical with a fraction of the headcount of traditional carriers.
They can offer far better pricing, much faster turnaround, and own all of the economics.
That brings me to the third quality of a good idea.
it should be the most ambitious version of itself.
It may seem unintuitive, but the cost of pursuing a wildly ambitious startup idea and the cost of pursuing a modest one are roughly the same.
They're both extremely hard.
They both place extreme demands on your time.
So aim at the version that, if it works, rewrites a sector of the economy.
Because that's also the version that protects you from competitors, attracts the best talent,
and has a moat worth building.
This could mean building and selling into the most regulated industries like legal, healthcare, or financial services, or taking on very large incumbents like a $10 billion legacy SaaS company, or building hard tech like robotics for space assembly.
Now, what if you do all of this and the idea fails?
The good news is,
that you'll be in a dramatically better position than where you started.
First, you have unambiguous customer data.
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