patrickmro

Point (YC W19) | SF, NY | Full-time | Software Engineers, Head of Fraud | https://boards.greenhouse.io/point

Point is a modern charge card that provides card-members a simple, transparent, and rewarding spending experience.

Traction: Scaled debit product to 100k customers, + 30k waitlist for new card (100% organic growth)

Financials: Solid runway, backed by Valar (Peter Thiel) and YC with +$60m in funding

Team: Ex-Apple, Amex, SoFi

Open roles: - Principal Backend Engineer (https://boards.greenhouse.io/point/jobs/5290573003) - Backend Engineer (https://boards.greenhouse.io/point/jobs/5290514003) - iOS engineer (https://boards.greenhouse.io/point/jobs/5290554003) - Head of Fraud (https://boards.greenhouse.io/point/jobs/5289124003)

Point (YC W19) | San Francisco, CA, NYC, New York | Remote & On-site | https://www.point.app

Point is a YC-backed startup that is building new kind of spending tool that enables people to earn relevant rewards on all their transactions while avoiding debt and over-spending.

We have raised $10M + from top tier investors, scaled to millions in transactional volume, and are consistently a top finance app.

To learn more about who we are, our engineering culture, and whether this is the right place for you, read our Key Values profile: https://www.keyvalues.com/point

Here are our open roles:

* Senior Backend Engineer: https://boards.greenhouse.io/point/jobs/4389838003

* Senior Data Engineer: https://boards.greenhouse.io/point/jobs/4406452003

* Senior React Native Engineer: https://boards.greenhouse.io/point/jobs/4200007003

* Data Analyst https://boards.greenhouse.io/point/jobs/4406530003

Tech Stack:

Node.js, Express, GraphQL, PostgreSQL, Docker and Lambda in AWS. We also have a strong bias towards a micro-service architecture.

React Native, TypeScript,Apollo client (GraphQL), and Jest testing framework.

Point (YC W19) | San Francisco, CA | Onsite | https://www.point.app

Point is bringing rewards & benefits to the debit card, in an effort to eliminate credit cards and prevent debt and overspending.

We are backed by Y-Combinator amongst a list of other notable investors, are a team of talented product, engineering, and design oriented people with experience working at established companies and startups like Apple, American Express, Acorns, HotelTonight, and MetalPay.

To learn more about who we are, our engineering culture, and whether this is the right place for you, read our Key Values profile: https://www.keyvalues.com/point

Here are our open roles:

* https://boards.greenhouse.io/point

Tech Stack: We use whatever tools are appropriate to accomplish the task at hand. The backend stack currently consists of Node.js, Express, GraphQL, PostgreSQL, Docker and Lambda in AWS. We also have a strong bias towards a micro-service architecture. The frontend stack currently consists of React Native, TypeScript, Expo, Apollo client (GraphQL), and Jest testing framework. We have a mobile app with cross platform support.

Point (YC W19) | San Francisco, CA | Onsite | https://www.point.app

Point is reinventing the way people spend money and discover their favorite new services and brands.

We are backed by Y-Combinator amongst a list of other notable investors, are a team of talented product, engineering, and design oriented people with experience working at established companies and startups like Apple, American Express, Acorns, HotelTonight, and MetalPay.

To learn more about who we are, our engineering culture, and whether this is the right place for you, read our Key Values profile: https://www.keyvalues.com/point

Here are our open roles:

* Backend Engineer (Node.js): https://boards.greenhouse.io/point/jobs/4210969003?t=314764d...

* Senior Mobile Engineer: https://boards.greenhouse.io/point/jobs/4200007003?t=314764d...

Tech Stack: We use whatever tools are appropriate to accomplish the task at hand. The backend stack currently consists of Node.js, Express, GraphQL, PostgreSQL, Docker and Lambda in AWS. We also have a strong bias towards a micro-service architecture. The frontend stack currently consists of React Native, TypeScript, Expo, Apollo client (GraphQL), and Jest testing framework. We have a mobile app with cross platform support.

Point (YC W19) | San Francisco, CA or Remote (North America) | Onsite or Remote | https://www.point.app

Point is a payment card that rewards you for spending your own money. With Point you get benefits like 3x points on food delivery and cell-phone insurance. Our mission is to bring transparency into spending money without compromising on experience.

To learn more about who we are, our engineering culture, and whether this is the right place for you, read our Key Values profile: https://www.keyvalues.com/point

Here are our open roles:

- Backend Engineer (Node.js): https://angel.co/company/pointcardhq/jobs/505914-backend-eng...

- Senior Mobile Engineer: https://angel.co/company/pointcardhq/jobs/571604-senior-mobi...

- Member Services Engineer: https://angel.co/company/pointcardhq/jobs/1010678-member-ser...

Tech Stack: We use whatever tools are appropriate to accomplish the task at hand. The backend stack currently consists of Node.js, Express, GraphQL, PostgreSQL, Docker and Lambda in AWS. We also have a strong bias towards a micro-service architecture. The frontend stack currently consists of React Native, TypeScript, Expo, Apollo client (GraphQL), and Jest testing framework. We have a mobile app with cross platform support.

Point Card (YC W19) | San Francisco, CA | Onsite| Must live in and be authorized to Work in US

https://www.point.app

Point is a mobile app based debit card that provides relevant rewards and benefits while preventing you from overspending or paying interest fees.

To learn more about who we are, our engineering culture, and whether this is the right place for you, read our Key Values profile: https://www.keyvalues.com/point

Here are our open roles:

- Senior Backend Engineer: https://jobs.lever.co/getpoint/11acaae5-2c6f-4cc3-9c6e-9dc63...

- Senior React Native Engineer: https://jobs.lever.co/getpoint/4cdeaefb-0ee7-44bb-be52-d051a...

Tech Stack: We use whatever tools are appropriate to accomplish the task at hand. The backend stack currently consists of Node.js, Express, GraphQL, PostgreSQL, Docker and Lambda in AWS. We also have a strong bias towards a micro-service architecture. The frontend stack currently consists of React Native, TypeScript, Apollo client (GraphQL), and Jest testing framework. We have a mobile app with cross platform support.

Point (YC W19) | San Francisco, CA | Onsite | https://www.point.app

Point is the first mobile banking app to offer a debit card with relevant rewards and benefits like 5% back on subscriptions and purchase protection.

To learn more about who we are, our engineering culture, and whether this is the right place for you, read our Key Values profile: https://www.keyvalues.com/point

Here are our open roles:

- Senior Backend Engineer (Node.js): https://jobs.ashbyhq.com/point/2ba3f500-a8c5-4589-85b2-4fb57...

- Senior Mobile Engineer: https://jobs.ashbyhq.com/point/4ca5d996-b530-4d21-915c-46ccc...

- Senior Data Engineer: https://jobs.ashbyhq.com/point/64933f05-914c-49c1-a4d8-45e58...

Tech Stack: We use whatever tools are appropriate to accomplish the task at hand.

The backend stack currently consists of Node.js, Apollo server (GraphQL), PostgreSQL, Docker and Lambda in AWS. We also have a strong bias toward a micro-service architecture.

The frontend stack currently consists of React Native, TypeScript, Expo, Apollo client (GraphQL), and Jest testing framework. We have a mobile app with cross-platform support.

Point (YC W19) | San Francisco, CA | Onsite | https://www.point.app

Point is a YC-backed startup that is building new kind of spending tool that enables people to earn relevant rewards on all their transactions while avoiding debt and over-spending.

We are currently in invite-only beta and have already been featured on the top page of the App Store, processed millions of dollars in transactions, and partnered with 20+ brands for our benefits.

To learn more about who we are, our engineering culture, and whether this is the right place for you, read our Key Values profile: https://www.keyvalues.com/point

Here are our open roles:

* Senior Backend Engineer: https://jobs.lever.co/getpoint/11acaae5-2c6f-4cc3-9c6e-9dc63...

* Senior Data Engineer: https://jobs.lever.co/getpoint/8f8a7f2e-d1dd-4dc3-9b91-fce93...

* Senior React Native Engineer: https://jobs.lever.co/getpoint/4cdeaefb-0ee7-44bb-be52-d051a...

Tech Stack:

Node.js, Express, GraphQL, PostgreSQL, Docker and Lambda in AWS. We also have a strong bias towards a micro-service architecture.

React Native, TypeScript,Apollo client (GraphQL), and Jest testing framework.

Point (YC W19) | San Francisco, CA | Onsite | https://www.point.app

Point is a YC-backed startup that is building new kind of spending tool that enables people to earn relevant rewards on all their transactions while avoiding debt and over-spending.

We are currently in invite-only beta and have already been featured on the top page of the App Store, processed millions of dollars in transactions, and partnered with 20+ brands for our benefits.

To learn more about who we are, our engineering culture, and whether this is the right place for you, read our Key Values profile: https://www.keyvalues.com/point

Here are our open roles:

* Senior Backend Engineer: https://jobs.lever.co/getpoint/11acaae5-2c6f-4cc3-9c6e-9dc63...

* Senior Data Engineer: https://jobs.lever.co/getpoint/8f8a7f2e-d1dd-4dc3-9b91-fce93...

* Senior React Native Engineer: https://jobs.lever.co/getpoint/4cdeaefb-0ee7-44bb-be52-d051a...

Tech Stack:

Node.js, Express, GraphQL, PostgreSQL, Docker and Lambda in AWS. We also have a strong bias towards a micro-service architecture.

React Native, TypeScript,Apollo client (GraphQL), and Jest testing framework.

Point Card (YC W19) | San Francisco, CA | Onsite | https://www.point.app

Point is a YC-backed startup bringing elite credit card rewards to your everyday debit card.

We are currently in invite-only beta and have already been featured on the top page of the App Store, processed millions of dollars in transactions, and partnered with 20+ brands for our benefits.

To learn more about who we are, our engineering culture, and whether this is the right place for you, read our Key Values profile: https://www.keyvalues.com/point

Here are our open roles:

* Senior Backend Engineer: https://jobs.lever.co/getpoint/11acaae5-2c6f-4cc3-9c6e-9dc63...

* Senior Data Engineer: https://jobs.lever.co/getpoint/8f8a7f2e-d1dd-4dc3-9b91-fce93...

* Senior React Native Engineer: https://jobs.lever.co/getpoint/4cdeaefb-0ee7-44bb-be52-d051a...

Tech Stack: We use whatever tools are appropriate to accomplish the task at hand. The backend stack currently consists of Node.js, Express, GraphQL, PostgreSQL, Docker and Lambda in AWS. We also have a strong bias towards a micro-service architecture.

The frontend stack currently consists of React Native, TypeScript, Expo, Apollo client (GraphQL), and Jest testing framework. We have a mobile app with cross platform support!

Point Card (YC W19) | San Francisco, CA | Onsite | https://www.point.app

Point is a YC-backed startup bringing elite credit card rewards to your everyday debit card.

We are currently in invite-only beta and have already been featured on the top page of the App Store, processed millions of dollars in transactions, and partnered with 20+ brands for our benefits.

To learn more about who we are, our engineering culture, and whether this is the right place for you, read our Key Values profile: https://www.keyvalues.com/point

Here are our open roles:

* Senior Backend Engineer: https://jobs.lever.co/getpoint/11acaae5-2c6f-4cc3-9c6e-9dc63...

* Senior Data Engineer: https://jobs.lever.co/getpoint/8f8a7f2e-d1dd-4dc3-9b91-fce93...

* Senior React Native Engineer: https://jobs.lever.co/getpoint/4cdeaefb-0ee7-44bb-be52-d051a...

Tech Stack: We use whatever tools are appropriate to accomplish the task at hand. The backend stack currently consists of; Node.js, Express, GraphQL, PostgreSQL, Docker and Lambda in AWS. We also have a strong bias towards a micro-service architecture.

The frontend stack currently consists of React Native, TypeScript, Expo, Apollo client (GraphQL), and Jest testing framework. We have a mobile app with cross platform support!

Point (YC W19) | San Francisco, CA | Onsite | https://www.point.app

Point is reinventing the way people spend money and discover their favorite new services and brands.

We are backed by Y-Combinator amongst a list of other notable investors, are a team of talented product, engineering, and design oriented people with experience working at established companies and startups like Apple, American Express, Acorns, HotelTonight.

To learn more about who we are, our engineering culture, and whether this is the right place for you, read our Key Values profile: https://www.keyvalues.com/point

Here are our open roles:

* Senior Data Engineer: https://jobs.lever.co/getpoint/8f8a7f2e-d1dd-4dc3-9b91-fce93...

* Senior Backend Engineer: https://jobs.lever.co/getpoint/11acaae5-2c6f-4cc3-9c6e-9dc63...

* Senior React Native Engineer: https://jobs.lever.co/getpoint/4cdeaefb-0ee7-44bb-be52-d051a...

Tech Stack: We use whatever tools are appropriate to accomplish the task at hand. The backend stack currently consists of Node.js, Express, GraphQL, PostgreSQL, Docker and Lambda in AWS. We also have a strong bias towards a micro-service architecture. The frontend stack currently consists of React Native, TypeScript, Expo, Apollo client (GraphQL), and Jest testing framework. We have a mobile app with cross platform support.

Point (YC W19) | San Francisco, CA | Onsite | https://www.point.app

Point is reinventing the way people spend money and discover their favorite new services and brands.

We are backed by Y-Combinator amongst a list of other notable investors, are a team of talented product, engineering, and design oriented people with experience working at established companies and startups like Apple, American Express, Acorns, HotelTonight, and MetalPay.

To learn more about who we are, our engineering culture, and whether this is the right place for you, read our Key Values profile: https://www.keyvalues.com/point

Here are our open roles:

* Senior Data Engineer: https://jobs.lever.co/getpoint/8f8a7f2e-d1dd-4dc3-9b91-fce93...

* Senior Backend Engineer: https://jobs.lever.co/getpoint/11acaae5-2c6f-4cc3-9c6e-9dc63...

* Senior React Native Engineer: https://jobs.lever.co/getpoint/4cdeaefb-0ee7-44bb-be52-d051a...

Tech Stack: We use whatever tools are appropriate to accomplish the task at hand. The backend stack currently consists of Node.js, Express, GraphQL, PostgreSQL, Docker and Lambda in AWS. We also have a strong bias towards a micro-service architecture. The frontend stack currently consists of React Native, TypeScript, Expo, Apollo client (GraphQL), and Jest testing framework. We have a mobile app with cross platform support.

Point (YC W19) | San Francisco, CA | Onsite | https://www.point.app

Point is reinventing the way people spend money and discover their favorite new services and brands.

We are backed by Y-Combinator amongst a list of other notable investors, are a team of talented product, engineering, and design oriented people with experience working at established companies and startups like Apple, American Express, Acorns, HotelTonight, and MetalPay.

To learn more about who we are, our engineering culture, and whether this is the right place for you, read our Key Values profile: https://www.keyvalues.com/point

Here are our open roles:

- Senior Backend Engineer: https://jobs.lever.co/getpoint/11acaae5-2c6f-4cc3-9c6e-9dc63...

Tech Stack: We use whatever tools are appropriate to accomplish the task at hand. The backend stack currently consists of Node.js, Express, GraphQL, PostgreSQL, Docker and Lambda in AWS. We also have a strong bias towards a micro-service architecture. The frontend stack currently consists of React Native, TypeScript, Expo, Apollo client (GraphQL), and Jest testing framework. We have a mobile app with cross platform support.

Point (YC W19) | San Francisco, CA | Onsite | https://www.point.app

Point is reinventing the way people spend money and discover their favorite new services and brands.

We are backed by Y-Combinator amongst a list of other notable investors, are a team of talented product, engineering, and design oriented people with experience working at established companies and startups like Apple, American Express, Acorns, HotelTonight, and MetalPay.

To learn more about who we are, our engineering culture, and whether this is the right place for you, read our Key Values profile: https://www.keyvalues.com/point

Here are our open roles:

- Senior Backend Engineer: https://jobs.lever.co/getpoint/11acaae5-2c6f-4cc3-9c6e-9dc63...

Tech Stack: We use whatever tools are appropriate to accomplish the task at hand. The backend stack currently consists of Node.js, Express, GraphQL, PostgreSQL, Docker and Lambda in AWS. We also have a strong bias towards a micro-service architecture. The frontend stack currently consists of React Native, TypeScript, Expo, Apollo client (GraphQL), and Jest testing framework. We have a mobile app with cross platform support.

Point (YC W19) | San Francisco, CA | Onsite | https://www.point.app

Point is a mobile bank that offers a high-yield checking account and debit card with rewards. With Point, you get a high-yield checking account that offers 1.40% APY and a debit card with amazing rewards like 3X on Uber and 4X at coffee shops.

To learn more about who we are, our engineering culture, and whether this is the right place for you, read our Key Values profile: https://www.keyvalues.com/point

Here are our open roles:

- Senior Backend Engineer: https://jobs.lever.co/getpoint/11acaae5-2c6f-4cc3-9c6e-9dc63...

Tech Stack: We use whatever tools are appropriate to accomplish the task at hand. The backend stack currently consists of Node.js, Express, GraphQL, PostgreSQL, Docker and Lambda in AWS. We also have a strong bias towards a micro-service architecture. The frontend stack currently consists of React Native, TypeScript, Expo, Apollo client (GraphQL), and Jest testing framework. We have a mobile app with cross platform support.

TLDR; Point is a consumer mobile banking app focused on transparency, design, and technology. You can signup at www.point.app

Hey HN, we're Patrick, Kenan, and Sid, co-founders of Point. We're building the banking app we wish existed one that's simple, transparent, and rewarding.

Although it sounds cliché, Point was started out of frustration with existing solutions. We realized most of us end up with our banks because our parents setup an account before college and then we kind of just deal with that for the rest of our lives. Personal finance is at the core of our lives, so it should be something that we embrace not dread. Sid, was formerly a interface designer at Apple so he knows a thing or two about creating beautiful products and with Point we are bringing that same attention to detail and simplicity to consumer finance starting with the basics: checking and debit.

Our main differences from some other players in the space:

1. Brand. We're aiming to bring an American Express type product, that's more transparent, personalized, and a debit card to the next generation of ambitious folks.

2. Design. This is subjective but we think that most financial products are extremely difficult to use, un-focused, and confusing.

3. Transparency. What you see is what you get, we’re not charging overdraft or foreign transaction fees.

Is this too good to be true? Nope it really isn't. Like most other neo-banks we monetize primarily from interchange revenue (merchant fees every time card is used) and are adding a subscription offering that will offer a more premium product experience. People are willing to pay for a service if they find value, and we think this is a lot more viable economically and customer aligned. We're also working with merchants to establish relationships and fund our rewards offerings. We even hired someone from Amex to help us with that.

We're really thrilled to get your feedback and answer any questions!

My email is patrick at point dot app. If you're interested in trying POINT out check out our website (point.app) and use invite code HN2019 to get a 500 point signup bonus.

Point (YC W19) | San Francisco, CA | Onsite | https://www.point.app

Point is a mobile bank that offers a high-yield checking account and debit card with rewards. With Point, you get a high-yield checking account that offers 1.40% APY and a debit card with amazing rewards like 3X on Uber and 4X at coffee shops.

To learn more about who we are, our engineering culture, and whether this is the right place for you, read our Key Values profile: https://www.keyvalues.com/point

Here are our open roles:

- Senior Backend Engineer: https://jobs.lever.co/getpoint/11acaae5-2c6f-4cc3-9c6e-9dc63...

Tech Stack: We use whatever tools are appropriate to accomplish the task at hand. The backend stack currently consists of Node.js, Express, GraphQL, PostgreSQL, Docker and Lambda in AWS. We also have a strong bias towards a micro-service architecture. The frontend stack currently consists of React Native, TypeScript, Expo, Apollo client (GraphQL), and Jest testing framework. We have a mobile app with cross platform support.

Point (YC W19) | San Francisco, CA | Onsite | https://www.point.app

Point is a mobile bank that offers a high-yield checking account and debit card with rewards. With Point, you get a high-yield checking account that offers 1.65% APY and a debit card with amazing rewards like 3X on Uber and 4X at coffee shops.

To learn more about who we are, our engineering culture, and whether this is the right place for you, read our Key Values profile: https://www.keyvalues.com/point

Here are our open roles:

- Senior Backend Engineer: https://jobs.lever.co/getpoint/11acaae5-2c6f-4cc3-9c6e-9dc63...

- Senior React Native Engineer: https://jobs.lever.co/getpoint/4cdeaefb-0ee7-44bb-be52-d051a...

Tech Stack: We use whatever tools are appropriate to accomplish the task at hand. The backend stack currently consists of Node.js, Express, GraphQL, PostgreSQL, Docker and Lambda in AWS. We also have a strong bias towards a micro-service architecture. The frontend stack currently consists of React Native, TypeScript, Expo, Apollo client (GraphQL), and Jest testing framework. We have a mobile app with cross platform support.

POINT (YC W19) | ONSITE | San Francisco | Senior Backend Engineer | Senior Frontend Engineer | https://www.point.app

Hey, I'm Patrick a co-founder & CEO of Point (YC W19), a consumer mobile banking app that offers a debit card with rewards and no fee banking services. This is your opportunity to be a founding engineer at a company re-imagining consumer financial services with technology and design.

Backend engineer: https://jobs.lever.co/getpoint/11acaae5-2c6f-4cc3-9c6e-9dc63...

Node.js/AWS/GraphQL/Lamda

Frontend engineer:https://jobs.lever.co/getpoint/4cdeaefb-0ee7-44bb-be52-d051a...

React Native/TypeScript

Apply: Email me directly patrick at getpoint.io

Thanks for the heads up Jason.

We have not (yet). Our plan initially is to focus on launching a live product in the market getting users/traction then exploring a fintech charter once we reach scale.

Exactly - plan is to have a network participating banks.

We do a partial kick off of interchange fees as well, since we are partnered with a smaller bank this allows us to have a larger merchant fee.

Yes currently for US only.

We are not trying to compete with an elite credit card.

Instead we are offering a product designed to combine some of the perks of a Chase Sapphire into a debit card which prevents you from overspending/going into debt.

Many people (especially younger millennials/gen-z) have thin credit files and a strong disdain for credit. We want to prevent folks from getting them selves into financial trouble without missing out on the good parts of having an elite rewards card.

This is a pure debit card, it processes on the debit network.

Yes it's similar in the sense that you can issue/destroy a virtual card for online purchases as you wish.

In our case, you would be able to get 2% cashback, have virtual cards, and a digital banks with a beautiful UX (in our biased opinion).

We are exactly competition with cc's since we are a digital bank offering a debit card, and checking/savings accounts.

We are targeting a different type of user that: 1. Do not qualify for a rewards card or have a dis-dain for credit (likely due to student loans & growing up during 08/09 crisis) 2. Not interesting to banks (yet)

Noted!