THE PACKAGE KING OF MIMIAM

MATTHEW BERGWALL was a gifted coder who could have gotten a job at any tech company. He decided to go in another direction.

- EZRA MARCUS

IT WAS THE SUMMER of 2023, and Matt Bergwall, a skinny 21-year-old University of Miami student, was lounging in an infinity pool in Dubai.

Beside him was his girlfriend, a blonde Zeta Tau Alpha. The silver Cuban link chain on his wrist glistened as he held his phone high to snap a selfie, the city’s artificial palm-shaped islands splayed out along the horizon beneath them. Over the next few days, they swam in the pool and posed on their hotel balcony, posting a steady stream of pictures to Instagram. In one, he leans back on the edge of the pool, finger to the sky. “Eventful finals week,” he captioned it.

None of Bergwall’s friends at school had a firm grasp of how the sophomore—a self styled fintech whiz, Marc Andreessen with a zoomer perm—had money for the Tesla he drove or the Gucci he wore or, for that matter, the room in Dubai. But who could care when Bergwall was ordering everyone Ubers and paying for tables at nightclubs and pitching in for yachts on Biscayne Bay? When he had the ear of venture capitalists at networking events in Brickell, Miami’s finance district? Okay, yes, his life had seemingly been enhanced exponentially, improbably, over the past year and a half— but wasn’t everything sort of improbable at UMiami? Wasn’t this the very place where Alix Earle had, by the end of her junior year, gained millions of followers for her “Get Ready With Me” videos? Where fraternity parking lots were filled with Lamborghinis and pledge classes with the children of billionaires who drove them?