3) $WISE 
Wise is not a stock I currently own but it is a product I love to use. $WISE provides cross-border money transfer services, instant currency exchanges, cross boarder spending & multicurrency accounts. 

Wise leverages technology to fast track international transfers, making them both quicker and easier whilst at the same time managing to do so at the lowest cost which is pretty special. 

Wise is another company obsessed with customer experience which is in my opinion the best strategy & how we've seen companies like $SPOT come out on top against giants like $AMZN & $AAPL I believe $WISE to be the $SPOT of finance. This has lead to building a great reputation with customers which I can personally atone to.  

The growth speaks for itself and the runway for growth remains long as Wise continues to add more customers, increase average spend & expand the product flywheel. Once again the company is founder led with high inside ownership, great balance sheet & impressive margins.  The company currently trades at 27x earnings which despite having a large run up recently could be an attractive price to at least start building out a position for the long term.