How to build a $2M Fintech without a line of code

They built a prototype of a week, raised $1.5M, saved > $15M of debt for users. All — without writing a line of code.

Ana Bibikova
4 min readSep 22, 2021

They built a prototype of a Fintech product in a week, raised $1.5M, won a Google startup award for Black founders, saved > $15M of debt for users. All — without writing a line of code. Being a tech startup, they still don’t have anyone really “technical” on their stuff.

Here is a crazy story of Nate Washington, Christian Zimmerman and Qoins.

Nate, born and raised in Savannah, GA moved to Atlanta in 2009 to attend Georgia State University. His family was not wealthy, and Nate had to work hard to pay for tuition. But no matter how hard he tried, his efforts were not enough. His student debt grew like bamboo sticks under the moon. In 2014 things got really tough — Nate was out of college and lost his bed on campus. One night, tossing and turning on the backseat of his car, and browsing the internet, Nate stumbled upon Bubble — a no-code builder that helps non-techies create professional apps.

The tech fascinated Nate — he decided to try his luck and launch a startup, right there, from the back seat of his car. Bubble doesn’t suggest a very steep learning curve, so in a couple of weeks the…

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