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abstract: 'At 66Mpc, AT2019qiz is the closest optical tidal disruption event (TDE) to date, with a luminosity intermediate between the bulk of the population and the faint-and-fast event iPTF16fnl. Its proximity allowed a very early detection and triggering of multiwavelength and spectroscopic follow-up well before maximum light. The velocity dispersion of the host galaxy and fits to the TDE light curve indicate a black hole mass $\approx 10^6$, disrupting a star of $\approx1$. By analysing our comprehensive UV, optical and X-ray data, we show that the early optical emission is dominated by an outflow, with a luminosity evolution $L\propto t^2$, consistent with a photosphere expanding at constant velocity ($\gtrsim 2000$), and a line-forming region producing initially blueshifted H and He II profiles with $v=3000-10000$. The fastest optical ejecta approach the velocity inferred from radio detections, thus the same outflow is likely responsible for both the fast optical rise and the radio emission – the first time this connection has been determined in a TDE. The light curve rise begins $35\pm1.5$ days before maximum light, peaking when AT2019qiz reaches the radius where optical photons can escape. The photosphere then undergoes a sudden transition, first cooling at constant radius then contracting 