[{"data":1,"prerenderedAt":306},["ShallowReactive",2],{"project-19257241":3},{"id":4,"name":5,"line":6,"line_source":7,"title":8,"url":9,"domain":10,"maker":11,"posted_at":12,"year":13,"points":14,"comments":15,"rank_in_year":16,"shown_in_year":17,"top":18,"tier":19,"category":20,"subcategory":21,"format":22,"keywords":23,"reception":28,"sentiment":29,"stance_mix":30,"scored_comments":35,"aspects":36,"strip":40,"post_text":42,"what":43,"said":76,"maker_in_thread":171,"shape":174,"grid":178,"attempts":269,"same_week":270,"maker_shows":258,"maker_hidden":298,"reader_version":299,"card":300},"19257241","Hack Club Bank","A Bank for Student Hackers","title","Show HN: Hack Club Bank – A Bank for Student Hackers","https:\u002F\u002Fmedium.com\u002Fhackclub\u002Fhack-club-bank-is-now-live-for-everyone-including-you-884f7f54836f","medium.com","zachlatta",1551207590,2019,141,37,317,2195,15,"notable","web_saas","banking for student groups","web_app",[24,25,26,27],"student bank account","fiscal sponsorship","hackathon finance","debit card for students","mixed",0.513,{"positive":31,"neutral":32,"mixed":33,"critical":34},13,2,0,3,18,{"idea":37},{"positive":38,"critical":39},8,1,[41,41,41,39,34,33,33,41,41,41,39,33,33,33,33,33,33,33,33,33,33,33,33,33,33,33,33,33,41,41,41,41,39,41,41,34,41],5,null,{"problem":44,"audience":60,"pricing":42,"motivation":65,"time_to_build":42,"stack":72,"openness":73,"stage":74,"team_size":75},{"value":45,"source":46,"evidence":47},"Students running hackathons and clubs struggle with bank accounts, reimbursements and administration","commenter",[48,52,56],{"id":49,"by":50,"text":51},"19258169","infinitebattery","A college hackathon organizer here (and former high school hackathon organizer). This is so useful. Dealing with high school\u002Funiversity administration takes up an incredible…",{"id":53,"by":54,"text":55},"19257937","gailees","Even as a college hackathon organizer, bank accounts were a huge hassle that almost sank our event. This is incredible. Every student should have the opportunity to go to a…",{"id":57,"by":58,"text":59},"19257590","XiZhao","Amazing! Young hackers I know have been so blocked by this problem. I don't think most people remember how suffocating it was be a high school student -- this will be a big…",{"value":61,"source":46,"evidence":62},"Student hackers and student organizers",[63,64],{"id":53,"by":54,"text":55},{"id":57,"by":58,"text":59},{"value":66,"source":67,"evidence":68},"Help student hackers get financial infrastructure without school sponsors","maker",[69],{"id":70,"by":11,"text":71},"19259340","Parents co-sign contracts with students, but our contracts are designed to work elegantly with co-signers, different than similar programs. We're really just a modern fiscal…",[],"unknown","launched","company",{"praise":77,"objections":106,"requests":128,"questions":133,"alternatives":147},[78,83,98],{"value":79,"source":46,"evidence":80},"Useful for student hackathon organizers facing slow reimbursements",[81,82],{"id":49,"by":50,"text":51},{"id":53,"by":54,"text":55},{"value":84,"source":46,"evidence":85},"Congratulations on the launch",[86,90,94],{"id":87,"by":88,"text":89},"19257489","pah861","Amazing work y'all - this is incredible and no doubt going to impact so many young hackers building things.",{"id":91,"by":92,"text":93},"19257859","zanedb","I’m consistently amazed by what the Hack Club team is able to accomplish – amazing launch!",{"id":95,"by":96,"text":97},"19260519","jakejarvis","Congrats guys, great execution! Surely this can and should be applied to all sorts of other school clubs\u002Fevents down the road, I know it would have been incredibly helpful for…",{"value":99,"source":46,"evidence":100},"Empowers high school hackers",[101,105],{"id":102,"by":103,"text":104},"19260141","ProjectBarks","Zach is killing it. Me and him had lunch about 3 years ago and to see this grow into something that is empowering hackers is heart warming. High school hackers are one of the…",{"id":57,"by":58,"text":59},[107,117],{"value":108,"source":46,"evidence":109},"Minors signing contracts and liability concerns",[110,114],{"id":111,"by":112,"text":113},"19259240","zie","Overall interesting, except I wonder how they manage to make it legal since basically no jurisdiction anywhere lets anyone under age sign legal contracts. So some adult somewhere…",{"id":115,"by":112,"text":116},"19261175","You are correct, anyone of any age can sign a contract, but a contract in almost all states with an under-age person means basically nothing, not even the paper it's printed on.…",{"value":118,"source":46,"evidence":119},"Using the word bank may be regulated; banking is provided by Silicon Valley Bank",[120,124],{"id":121,"by":122,"text":123},"19259550","anon4lol","Most states have laws on the books that forbid you from calling your business a \"bank,\" \"pharmacy,\" or other restricted business unless it actually is. Simply doing so is enough…",{"id":125,"by":126,"text":127},"19258832","akeck","Is using the word bank allowed?",[129],{"value":130,"source":46,"evidence":131},"Apply the model to other school clubs and events",[132],{"id":95,"by":96,"text":97},[134,139],{"value":135,"source":46,"evidence":136},"Is the word bank legally allowed in the name?",[137,138],{"id":125,"by":126,"text":127},{"id":121,"by":122,"text":123},{"value":140,"source":46,"evidence":141},"Could schools or teachers sponsor students instead?",[142,143],{"id":111,"by":112,"text":113},{"id":144,"by":145,"text":146},"19259434","dragonwriter","> Overall interesting, except I wonder how they manage to make it legal since basically no jurisdiction anywhere lets anyone under age sign legal contracts This is a popular…",[148,153,164],{"value":149,"source":46,"evidence":150},"Fiscal sponsorship through schools or teachers",[151,152],{"id":111,"by":112,"text":113},{"id":144,"by":145,"text":146},{"value":154,"source":46,"evidence":155},"Monzo and Starling Bank public APIs",[156,160],{"id":157,"by":158,"text":159},"19263752","kennydude","Keep an eye on Monzo and Starling Bank who offer public APIs :)",{"id":161,"by":162,"text":163},"19259167","madeofpalk","In the UK, Monzo has a fairly good API for reading your account details, balance and transactions. It's 'private access only' (can only access your account)…",{"value":165,"source":46,"evidence":166},"Plaid",[167],{"id":168,"by":169,"text":170},"19258310","liamcardenas","Check out plaid.com (I have no affiliation) It’s an api service that integrates with most major banks.",{"comments":39,"answered":33,"key":172},[173],{"id":70,"text":71},{"commenters":175,"max_depth":41,"maker_replies":39,"first_comment_mins":176,"lifespan_hours":177},30,26,51,[179,181,184,187,191,195,199,200,201,203,208,210,212,215,218,220,221,222,224,226,230,231,234,237,240,241,244,246,248,250,253,255,257,259,263,264,266],[49,33,41,180,50,33],"project\u002Fpositive\u002Fidea",[182,39,41,180,183,33],"19258282","blennon",[185,39,41,180,186,33],"19258779","UltimateFloofy",[188,39,39,189,190,33],"19258918","project\u002Fcritical\u002Fidea","will_brown",[192,39,34,193,194,33],"19259296","project\u002Fneutral\u002Fnone","lgregg",[196,39,33,197,198,33],"19261618","other\u002Fneutral\u002Fnone","TeMPOraL",[157,39,33,197,158,33],[53,32,41,180,54,33],[102,34,41,202,103,33],"maker\u002Fpositive\u002Fnone",[204,205,41,206,207,33],"19258920",4,"project\u002Fpositive\u002Fnone","ValentineC",[111,41,39,209,112,33],"project\u002Fcritical\u002Fnone",[70,41,33,211,11,39],"maker\u002Fneutral\u002Fnone",[213,41,33,214,112,33],"19259623","commenter\u002Fneutral\u002Fnone",[216,41,33,197,217,33],"19260469","ada1981",[219,41,33,197,112,33],"19261232",[144,41,33,214,145,33],[115,41,33,214,112,33],[223,41,33,214,145,33],"19261450",[225,41,33,214,112,33],"19263162",[227,228,33,197,229,33],"19258151",6,"torbjorn",[168,228,33,197,169,33],[232,228,33,197,233,33],"19258655","OJFord",[235,228,33,214,236,33],"19259409","adr18n",[238,228,33,197,239,33],"19258817","rmah",[161,228,33,197,162,33],[242,228,33,197,243,33],"19259337","lol768",[245,228,33,197,162,33],"19261782",[247,228,33,197,243,33],"19275865",[57,249,41,180,58,33],7,[251,38,41,202,252,33],"19258728","zbruhnke",[87,254,41,202,88,33],9,[95,256,41,180,96,33],10,[121,258,39,209,122,33],11,[260,261,41,180,262,33],"19257950",12,"kieranbro",[91,31,41,202,92,33],[125,265,34,193,126,33],14,[267,18,41,180,268,33],"19258439","faissaloo",[],[271,276,281,285,289,293],{"id":272,"name":273,"points":274,"category":275},"19248723","subsync",583,"dev_tools",{"id":277,"name":278,"points":279,"category":280},"19254828","Zero",513,"infrastructure",{"id":282,"name":283,"points":284,"category":275},"19216428","ICONSVG",227,{"id":286,"name":287,"points":288,"category":275},"19224141","Material Kit",193,{"id":290,"name":291,"points":292,"category":275},"19252276","Bullet",189,{"id":294,"name":295,"points":296,"category":297},"19234664","Portal Spaces",95,"productivity",false,"v2",{"id":301,"name":5,"line":6,"ai":298,"cat":20,"year":13,"points":14,"comments":15,"rec":28,"s":302,"top":18,"kw":303,"maker":11,"domain":10,"tier":19,"attempts":33,"strip":304,"url":9,"mix":305,"praise":79,"objection":108,"sub":21},19257241,0.51,[24,25,26,27],"5551300555100000000000000000555515535",[31,32,33,34],1794036575187]