"My personal goal is to deliver this product for free to everyone for a lifetime." Instinct is already on pace for about $1B a year in transaction volume, and 50% of it is travel. Noah on Instinct's business model and how he plans to keep it free: "When I see transaction volume that is so high flowing through the platform, it's similar to Apple Pay or Amex, or any other platform that provides distribution to underlying services. The user doesn't have to pay for it. The user gets a free,…