On 7investing's Livestream show on August 21, I had a conversation with Upstart Holdings' new CEO Paul Gu that included two very important questions.

You see, I had two outstanding questions about Upstart's future strategy that I just wasn't hearing the media or any other investors asking him.

So I did.

The first was:

"Will Upstart's new secured products like Home and Auto loans will be as disruptive as those for unsecured Consumer loans?"

Or in other words, will your AI models also have an edge in these new markets too?

And the second question was:

"How does Upstart intend to use its new banking charter as a competitive advantage rather than as a distraction to its relationship with regional banking customers?"

Or in other words, will your new banking charter change your business model?

His answers really clarified things and made a ton of sense.

This short, 15 minute conversation is a must-watch for any investor who owns -- or may soon own -- shares of Upstart Holdings.

0:00 – Welcome & Introduction to Paul Gu, Upstart CEO
1:03 – Upstart's Disruptive Approach to Lending
2:02 – Question 1: Can Upstart's AI Models Scale to Secured Loans?
6:03 – The Strategy: Compounding Growth Beyond Personal Loans
7:01 – Why Upstart's Models Keep Getting Better Over Time
9:38 – Auto & Home Loan Growth Stats
10:03 – Question 2: The National Banking Charter Explained
13:38 – What Investors Are Missing About Upstart
14:59 – Closing Thoughts & Where to Learn More

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