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# Who is Natalie Gray? From fashion app founder to blockchain insurance innovator ## The Math Girl Behind the Art Natalie Eva Gray graduated from Queen's University with two degrees > a Bachelor of Commerce (2005-2009) > a Bachelor of Arts in Mathematics (2010-2011) This demonstrates her ability to think analytically and creatively at the same time. She then went on to NYU for a Master of Science in Marketing (2009-2010), where she immersed herself in the fashion industry At the same time, she worked at Rush Communications in NYC as a marketing coordinator from 2008 to 2010 ## StyleKick - The Fashion Experiment In 2013, together with her team (including Karn Saroya, who later became co-founder of Re), Natalie launched Stylekick, a mobile app for fashion curation and shopping recommendations It was a period when the mobile market was exploding, and they caught that wave at the right time. Stylekick was positioned as “Pandora for fashion” with a personalized recommendation engine. The company developed for two years and attracted the attention of major players In 2015, Shopify noticed its potential and acquired Stylekick. Natalie spent several months at Shopify working on the Product and Design teams, where she saw how large companies scale their ideas. This internship had a huge impact on her - she understood what was needed for global growth and how a corporate structure works ## Cover - Building the Category In 2016, she joined Y Combinator with a new idea - Cover, a mobile-first approach to insurance. It was a bold move because insurance was considered a boring and conservative industry But Natalie saw that property insurance had outdated frameworks and was not adapted to modern users Cover focused on making insurance accessible and fair for ordinary people. They applied to Y Combinator four times before being accepted - each rejection was a lesson As co-founder and Head of Product & Design, she built the vision, design, and strategy. Cover grew to serve all 50 US states and was distributed through thousands of independent agents In 2022, she was named to Forbes 30 Under 30 for her work. But by 2023, she was ready for her next challenge ## Re Protocol - Blockchain Reinsurance In 2024, Natalie and her partner Karn Saroya launched Re, a blockchain-powered reinsurance platform It was a logical next step for her: she saw that insurance was worth trillions of dollars and that blockchain could transform this space through decentralization and transparency Re raised $14 million in seed funding and then $7 million in Series A. She now positions herself as an “RWA advocate” and works on Product Experience and Marketing Her goal is to “reinsure trillions on chain.” Her journey from fashion to insurance to blockchain shows one key thing: she is always looking for where the system is broken and how it can be redesigned through technology From Stylekick to Re, the pattern is always the same: identify the problem, build a mobile-first solution, scale globally