HCB Mobile

Finance and crypto

nonprofit banking app

SHOW HN2025

HCB Mobile

HCB Mobile – financial app built by 17 y/o, processing $6M/month

hackclub.com

#nonprofit banking#neobank#expo#react native#tap to pay

176points
68comments
#386of 3,837 in 2025
Top 11%of 2025 by points

How HN took it

DebatedReal support and real criticism

4 positive, 6 neutral or asking, 0 mixed, 4 critical, out of 14 comments about the project. Thread score +0.03.

Execution: 1 for, 2 againstPrivacy: 0 for, 2 againstDesign: 1 for, 0 against

The thread, comment by comment

Each row is a top-level comment and its replies, in HN's order. Select a cell to open that comment on HN.

positive neutral or mixed critical about another commenter or something else the maker

What HN said

What people liked

  • Impressive work for a young builder

    From 2 comments
    • True. But willing to cut anyone under 21 some slack.
      jeswin on HN
    • I really wish something like Hack Club existed while growing up, how empowering! great work.
      riffic on HN
  • Helpful for the community

    From 1 comment

Objections

  • Title implies the app itself processes $6M/month, but the platform does

    From 3 comments
    • The OP title seems a bit misleading notwithstanding this caveat.
      indigodaddy on HN
    • No offense to the OP (what you did is great - as someone who had to pick up expo/RN on the fly for my newest job, it can be a bit annoying, and that is before all of the…
      VoidWhisperer on HN
    • I think there's ambiguity. An app built for a platform that does xyz. Does the app do xyz, the platform, or both? If I build an app that takes you straight to idk a Treasury…
      Neywiny on HN
  • Testing coverage appears thin for a financial app

    From 1 comment
    • For something in the financial space, I don't see much (or really, any) tests in the code repository. CI also only has ESlint and prettier running. How are you ensuring the…
      necovek on HN
  • Public transaction page exposes account details

    From 2 comments
    • What is this page of transactions for? https://hcb.hackclub.com/hq/transactions I get that you want to be "open", but is everyone involved in these transactions ok with them…
      cirrus3 on HN
    • Please look at this @mohamad08 The numbers and amounts used for account validations and adding it to be able to pull or push money . Should not be shown public..
      galaxy_gas on HN

Requests

  • Explain testing strategy

    From 1 comment
    • For something in the financial space, I don't see much (or really, any) tests in the code repository. CI also only has ESlint and prettier running. How are you ensuring the…
      necovek on HN
  • Consider Hotwire Native instead

    From 1 comment
    • HCB is an amazing Rails 8 app. It is the Rails app that is processing $6M/month. https://github.com/hackclub/hcb Excellent work on the mobile app though I would wonder, since HCB…
      KenSF on HN

Questions

  • How is financial fraud and money laundering handled?

    From 1 comment
    • That's awesome, and impressive you were able to build that. As an angel investor, my first question would be: how do you deal with financial fraud? Like users exploiting your app…
      mrb on HN
  • Were backend APIs already built or created for this app?

    From 1 comment
    • This is great! I'm curious whether you were able to build the app using backend APIs that were already built, or whether building this app created new requirements for those APIs?
      rahimnathwani on HN

Alternatives named

  • Hotwire Native

    From 2 comments
    • HCB is an amazing Rails 8 app. It is the Rails app that is processing $6M/month. https://github.com/hackclub/hcb Excellent work on the mobile app though I would wonder, since HCB…
      KenSF on HN
    • Hotwire Native tbh wouldn't have been a bad choice at all to use tbh. Especially if you wanna maintain 1:1 parity with the website. It combines both being a "web app" and native…
      mohamad08 on HN

Category, keywords, summaries and labels on this page were made by AI (Thread Reader v2) and not checked by hand. Each point links to the comments it came from.

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