HCB Mobile – financial app built by 17 y/o, processing $6M/month
Hey everyone! I just built a mobile app using Expo (React Native) for a platform that moves $6M/month. It’s a neobank used by 6,500+ nonprofit organizations across the world. One of my biggest challenges, while juggling being a full-time student, was getting permission from Apple/Google to use advanced native features such as Tap to Pay (for in-person donations) and Push Provisioning (for adding your card to your digital wallet). It was months of back-and-forth emails, test case recordings, and also compliance checks. Even after securing Apple/Google’s permission, any minor…
In plain words
HCB Mobile is a financial app built with React Native that serves as a neobank for nonprofit organizations. The app processes $6 million monthly for over 6,500 nonprofits worldwide and includes advanced features like Tap to Pay for in-person donations and digital wallet integration. Developed by a 17-year-old full-time student, the app required extensive coordination with Apple and Google to access native capabilities and uses over-the-air updates to streamline deployment without requiring frequent app rebuilds.
written from the facts on this page · September 2026
From the sources
In the maker’s words, at launch
Hey everyone! I just built a mobile app using Expo (React Native) for a platform that moves $6M/month. It’s a neobank used by 6,500+ nonprofit organizations across the world. One of my biggest challenges, while juggling being a full-time student, was getting permission from Apple/Google to use advanced native features such as Tap to Pay (for in-person donations) and Push Provisioning (for adding your card to your digital wallet). It was months of back-and-forth emails, test case recordings, and also compliance checks. Even after securing Apple/Google’s permission, any minor fix required publishing a new build, which was time-consuming. After dealing with this for a while, I adopted the idea of “over the air updates” using Expo’s EAS update service. This allowed me to remotely trigger updates without needing a new app build. The 250 hours I spent building this app were an INSANE learning experience, but it was also a whole lot of fun. Give the app a try, and I’d love any feedback you have on it! btw, back in March, we open-sourced this nonprofit neobank on GitHub. https://news.ycombinator.com/item?id=43519802
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