Pros
I worked for this company as a Consultant. I'm generally fairly familiar with many of the fintech and payment companies in the San Francisco Bay Area and have to say the Product and specifically the UI/UX that these guys have built is phenomenal. What they need to grow quickly is distribution thru some good channels This company is still small and part of the reason seems to be intentional on part of the founder i.e. build a core product and work out the kinks before scaling it. However they need to scale quickly The core team seems to be fairly dedicated and the founder is a zealot who has full and comprehensive knowledge of payment systems. He's a driven person with extensive experience in the payments and tech industry and seems to be constantly at it with passion and long hours. Rest of the team is less experienced but I found them to self supporting for most of the time. The team generally seems to believe in the product and the vision, however the Sales and Business Dev could do with more people In short they have a good product and if they gain distribution and the founder and the team continue to gel this company could go places
Cons
Sales and Business Development requires work. I saw some of the long terms plans and vision from the founder and it looks impressive, but they need execution I think this company needs a layer of management that can grow each division i.e. Engineering, Product and Sales independently and needs it soon. If they navigate this hurdle then I will give it full 5 stars