This as-told-to essay is based on a conversation with Quang Hoang, the 37-year-old cofounder and CEO of Vybe, who lives in San Francisco. It's been edited for length and clarity. We started 10 years ago. We were out of college and wanted to solve a problem that we experienced ourselves. When you're a student, you don't have that many problems. When we were interns, we had a lot of expense reports, but we would lose receipts and lose money. When you're a student, you don't have much money. One