... kinds of conversations you've had internally about AI.

Yeah.

So I mean, take the first one.

Um, again, we got a much better understa-understanding of the true question, which is asking for help is hard.

How do we make that easier? Now we do have a small number of human coaches at GoFundMe, and when they have the ability to help someone they do an amazing job.

And so my simple observation was, well, I would love to be able to provide that level of coaching to everybody that comes to GoFundMe, but as you know, it's tens of thousands of people a day.

It's not possible.

Tim, what is the best way to ask for help?

What happens next?

Well, let's talk a bit about the situation that someone finds themselves in.

So very often we ask for help when we have a need, and that need is often something quite significant in our lives, which means that We're stressed, right? It could be that you're ill.

It could be that your relative is ill or a friend is facing a difficult situation.

It can be a wonderful situation too, but often when people start thinking about asking for help, it's something hard.

So there's a lot of emotion around that already.

And then fundraising, asking for help is not familiar to most people.

It's a

How has that changed? 'Cause that feels like maybe the most important part of a for-profit service, where you're- You're taking fees from people who are sending money to one another, but you-- the mission you're describing is more of a social good mission.

I mean, look, f- a couple things.

One, help is part of what makes us human.

Like, we are a social species.

We've always lived together in groups, starting with little villages and all that.

Anything great that we create, we do it together.

And so the help is timeless, it's inherent, and it... to your point, it's universal.

Does that track? There, there's something in there that I, I find particularly interesting.

Tell us a little bit about, like, what does it take to scale? What does it take to grow?

You have to have a very clear purpose.

Tomas, you mentioned at the beginning you, you like our mission statement.

Thank you for that.

We actually created that a little bit...

It was about a year, year and a half after I joined.

But making that very, very clear and embedding that in every part of the organization so that every team, every individual, every meeting we're in adds back to how can we generate more help in the world, making it operational, not just a slogan on the wall, but an operational mission statement that imbues everything you do with purpose.

Oh, horrible.

Yeah

... to receive the funds.

All the funds go to our payment processors with Adyen and Stripe.

They sit there until you've been KYC'd, then the money flows to you, and you get the help.

It's what we call help delivered.

Yeah, yeah.

Like American Cancer Society came to us and said, "Hey, we, we wanna do something like this." We've had like 80, 88,000 people organize a fundraiser where they're swimming or walking or riding or walking their dog-

Last year?

Yeah, last year.

Can't speak to this year currently.

One of the things that we're really focused on is how do we increase the total amount of GDP that goes to giving.

So it's actually about 2%.

It's nothing.

It's pretty modest, and it's been stuck there for 50 years.

What does that ultimately mean for the wider giving industry?

So to what extent is part of your job to kind of to police the situation and kind of keep an eye on these things? Our business is

based on trust.

Like when people put their story on GoFundMe, often it's potentially often the most significant things happen in their life, particularly say if it's a health issue, a family issue, maybe someone's passed away.

Like it's a really big thing.

And they are trusting us with that story and then bringing in their friends, their family, their neighbors to help them.

So trust is incredibly important.

And we know most people in the world are good.

And can you just explain to people how, as a business, you make money in this whole setup? Absolutely.

What are you seeing now?

Well, the majority of what we see, Kai, is actually cycle of life.

Which is the normal things that happen to all of us as people, which is the beginning of life, having babies, going to school, going to college.

And then the back end of the life cycle, when we're all mortal, is medical issues and potentially passing away, and having and looking for help in all of those different situations.

The pandemic saw an increase in the use of GoFundMe, and that increase has continued, and it's also continued to grow very quickly internationally.

We're now in 20 countries.

Uh, where is GoFundMe in, what's it gonna be, 2030? Holy cow.

Well, I hope that we have made very significant strides in making asking for help easier.