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1/ http://Bill.com was one of the most successful IPOs of 2019. Most people don't know about its staged, strategic choices to fuel network-driven growth. A few lessons for others (and so much opportunity too!) 
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2/ Make it a no-brainer to sign-up - the core product is basic, but it works and is a clear better option over SMBs keeping track of and mailing checks; and it’s product is priced for growth - it charges a small saas fee upfront but makes more money over time from per txn fees
3/ Use product design choices to compel growth - http://Bill.com requires account creation for access to faster payments (everyone wants to get paid ASAP!); a simple strategy of gating the transaction flow that helped @Zoom, @Dropbox, and others drive customer growth too
4/ Then find the nodes of aggregated supply: the brokers, agencies, etc. and stage by concentration - first, http://Bill.com partnered w/ 4K accountants, the trusted advisors of SMBs, then pursued larger nodes, e.g. banks to integrate bill pay, once they had enough scale
5/ Result: not just growing but *accelerating* TPV (from their s-1)
6/ Still, there are lots of opportunities for http://Bill.com (or a startup!) to use its data and build product (e.g. around forecasting, lending) which would likely increase the network effects and stickiness of the product https://a16z.com/2020/02/24/network-driven-growth/
