The meltdown of a gay bank | Cur</tle><meta name="scriptn" ntent="Daylight, a bank signed to help the LGBTQ + muny, was supposed to help vulnerable people. However, the rult was the oppose. Jen Wieczner disvers what went wrong for the amb startup."/><meta charSet="utf-8"/><meta property="og:tle" ntent="The meltdown of a gay bank"/><meta property="og:image" ntent="><meta name="og:scriptn" ntent="Daylight, a bank signed to help the LGBTQ + muny, was supposed to help vulnerable people. However, the rult was the oppose. Jen Wieczner disvers what went wrong for the amb startup."/><meta property="og:type" ntent="mic.rad_statn"/><meta property="og:d" ntent="><meta property="og:image" ntent="><meta property="og:se_name" ntent="Cur"/><meta name="twter:rd" ntent="summary_large_image"/><meta name="twter:player" ntent="><meta name="twter:player:width" ntent="1"/><meta name="twter:player:height" ntent="1"/><meta name="twter:se" ntent="@cur"/><meta name="twter:tle" ntent="The meltdown of a gay bank"/><meta name="twter:scriptn" ntent="Daylight, a bank signed to help the LGBTQ + muny, was supposed to help vulnerable people. However, the rult was the oppose. Jen Wieczner disvers what went wrong for the amb startup."/><meta name="twter:image" ntent="><lk rel="preload" as="image" imagrcset="/_next/image?;w=640&q=100 640w, /_next/image?;w=750&q=100 750w, /_next/image?;w=828&q=100 828w, /_next/image?;w=1080&q=100 1080w, /_next/image?;w=1200&q=100 1200w, /_next/image?;w=1920&q=100 1920w, /_next/image?;w=2048&q=100 2048w, /_next/image?;w=3840&q=100 3840w" imagiz="100vw"/><lk rel="preload" as="image" imagrcset="/_next/image?;w=640&q=100 640w, /_next/image?;w=750&q=100 750w, /_next/image?;w=828&q=100 828w, /_next/image?;w=1080&q=100 1080w, /_next/image?;w=1200&q=100 1200w, /_next/image?;w=1920&q=100 1920w, /_next/image?;w=2048&q=100 2048w, /_next/image?;w=3840&q=100 3840w" imagiz="100vw"/><lk rel="preload" as="image" imagrcset="/_next/image?;w=256&q=75 1x, /_next/image?;w=640&q=75 2x"/><meta name="next-head-unt" ntent="39"/><lk rel="preload" href="/_next/static/css/" as="style"/><lk rel="stylheet" href="/_next/static/css/" data-n-g=""/><noscript data-n-css=""></noscript><script fer="" nomodule="" src="/_next/static/chunks/"></script><script src="/_next/static/chunks/" fer=""></script><script src="/_next/static/chunks/" fer=""></script><script src="/_next/static/chunks/" fer=""></script><script src="/_next/static/chunks/pag/" fer=""></script><script src="/_next/static/chunks/" fer=""></script><script src="/_next/static/chunks/" fer=""></script><script src="/_next/static/chunks/" fer=""></script><script src="/_next/static/chunks/" fer=""></script><script src="/_next/static/chunks/pag/publitns/%5BprovirSlug%5D/%5BthorSlug%5D/" fer=""></script><script src="/_next/static/-vcLWGQeg1hIk4jOD7_yc/" fer=""></script><script src="/_next/static/-vcLWGQeg1hIk4jOD7_yc/" fer=""></script></head><body class="transn-all overscroll-none"><div id="__next"><div class="m-h-screen"><div class="ntents"><hear class="w-full fixed top-0 select-none z-40 px-4 pt-1 pb-2.5 md:px-4 md:py-3 text-whe bg-bgblack"><nav class="flex ems-center h-[45px]"><div class="flex-grow flex ems-center mt-1 md:mt-0 jtify-between md:jtify-start md:py-2.5"><div class="flex ems-center"><div><div class="cursor-poter text-gray-00 text-2xl md:hidn pl-1 pr-4" data-cy="menu-toggle"><svg width="18" height="18" viewBox="0 0 24 20" fill="currentColor" xmlns="><path fill-le="evenodd" clip-le="evenodd" d="M0 0V2.95385H24V0H0ZM0 8.77292V11.7268H24V8.77292H0ZM0 20.5883V17.6345H24V20.5883H0Z"></path></svg></div><div style="height:0;left:-100%" class="fixed flex flex-l borr-r md:bg-black bg-gray-900 borr-gray-800 overflow-y-scroll pb-7 w-[210px] md:w-[210px] no-scrollbar top-0" data-cy="si-nav-ntaer"><div class="px-3 pt-[13px] text-2xl cursor-poter fill-digo text-gray-300 hover:text-whe hover:fill-digo" data-cy="navigatn-close-button"><svg xmlns=" width="30" height="30" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-lep="round" stroke-lejo="round"><polyle pots="15 18 9 12 15 6"></polyle></svg></div><div class="mt-[16px] flex-1"><div class="z-50 px-1 md:px-0 flex flex-l jtify-between h-full bg-transparent"><div><a class="flex font-normal mx-2 round-md ems-center hover:no-unrle pl-1 hover:bg-gray-900 active:bg-gray-900 my-1.5 py-3 borr-transparent hover:bg-transparent" data-cy="menu-em/disver" href="/disver"><div class="w-8 mr-2 sm:mt-0 jtify-center flex text-[17px] text-gray-500"><svg width="14" height="16.8" viewBox="0 0 20 24" fill="currentColor" xmlns="><path fill-le="evenodd" clip-le="evenodd" d="M0 0H20V24H0V0ZM3 2H13V4H3V2ZM3 20H17V22H3V20ZM17 7H3V17H17V7Z"></path></svg></div><div class="ml-1 text-whe flex-grow text-sm">Explore</div></a><a class="flex font-normal mx-2 round-md ems-center hover:no-unrle pl-1 hover:bg-gray-900 active:bg-gray-900 my-1.5 py-3 borr-transparent hover:bg-transparent" data-cy="menu-em/new" href="/new"><div class="w-8 mr-2 sm:mt-0 jtify-center flex text-[17px] text-gray-500"><svg aria-hidn="te" focable="false" data-prefix="fas" data-in="bahai" class="svg-le--fa fa-bahai fa-w-16 " role="img" xmlns=" viewBox="0 0 512 512"><path fill="currentColor" d="M496.25 202.52l-110-15.44 41.82-104.34c6.67-16.64-11.6-32.18-26.59-22.63L307.44 120 273.35 12.82C270.64 4.27 263.32 0 256 0c-7.32 0-14.64 4.27-17.35 12.82l-34.09 107.19-94.04-59.89c-14.99-9.55-33.25 5.99-26.59 22.63l41.82 104.34-110 15.43c-17.54 2.46-21.68 26.27-6.03 34.67l98.16 52.66-74.48 83.54c-10.92 12.25-1.72 30.93 13.29 30.93 1.31 0 2.67-.14 4.07-.45l108.57-23.65-4.11 112.55c-.43 11.65 8.87 19.22 18.41 19.22 5.15 0 10.39-2.21 14.2-7.18l68.18-88.9 68.18 88.9c3.81 4.97 9.04 7.18 14.2 7.18 9.54 0 18.84-7.57 18.41-19.22l-4.11-112.55 108.57 23.65c17.36 3.76 29.21-17.2 17.35-30.49l-74.48-83.54 98.16-52.66c15.64-8.39 11.5-32.2-6.04-34.66zM338.51 311.68l-51.89-11.3 1.97 53.79L256 311.68l-32.59 42.49 1.96-53.79-51.89 11.3 35.6-39.93-46.92-25.17 52.57-7.38-19.99-49.87 44.95 28.62L256 166.72l16.29 51.23 44.95-28.62-19.99 49.87 52.57 7.38-46.92 25.17 35.61 39.93z"></path></svg></div><div class="ml-1 text-whe flex-grow text-sm">New</div></a><a class="flex font-normal mx-2 round-md ems-center hover:no-unrle pl-1 hover:bg-gray-900 active:bg-gray-900 my-1.5 py-3 borr-transparent hover:bg-transparent" data-cy="menu-em/trendg" href="/trendg"><div class="w-8 mr-2 sm:mt-0 jtify-center flex text-[17px] text-gray-500"><svg aria-hidn="te" focable="false" data-prefix="fas" data-in="fire" class="svg-le--fa fa-fire fa-w-12 " role="img" xmlns=" viewBox="0 0 384 512"><path fill="currentColor" d="M216 23.86c0-23.8-30.65-32.77-44.15-13.04C48 191.85 224 200 224 288c0 35.63-29.11 64.46-64.85 63.99-35.17-.45-63.15-29.77-63.15-64.94v-85.51c0-21.7-26.47-32.23-41.43-16.5C27.8 213.16 0 261.33 0 320c0 105.87 86.13 192 192 192s192-86.13 192-192c0-170.29-168-193-168-296.14z"></path></svg></div><div class="ml-1 text-whe flex-grow text-sm">Trendg</div></a><a class="flex font-normal mx-2 round-md ems-center hover:no-unrle pl-1 hover:bg-gray-900 active:bg-gray-900 my-1.5 py-3 borr-transparent hover:bg-transparent" data-cy="menu-em/short" href="/short"><div class="w-8 mr-2 sm:mt-0 jtify-center flex text-[17px] text-gray-500"><svg aria-hidn="te" focable="false" data-prefix="fas" data-in="clock" class="svg-le--fa fa-clock fa-w-16 " role="img" xmlns=" viewBox="0 0 512 512"><path fill="currentColor" d="M256,8C119,8,8,119,8,256S119,504,256,504,504,393,504,256,393,8,256,8Zm92.49,313h0l-20,25a16,16,0,0,1-22.49,2.5h0l-67-49.72a40,40,0,0,1-15-31.23V112a16,16,0,0,1,16-16h32a16,16,0,0,1,16,16V256l58,42.5A16,16,0,0,1,348.49,321Z"></path></svg></div><div class="ml-1 text-whe flex-grow text-sm">Short</div></a><a class="flex font-normal mx-2 round-md ems-center hover:no-unrle pl-1 hover:bg-gray-900 active:bg-gray-900 my-1.5 py-3 borr-transparent hover:bg-transparent" data-cy="menu-em/publitns" href="/publitns"><div class="w-8 mr-2 sm:mt-0 jtify-center flex text-[17px] text-gray-500"><svg aria-hidn="te" focable="false" data-prefix="fas" data-in="quote-right" class="svg-le--fa fa-quote-right fa-w-16 " role="img" xmlns=" viewBox="0 0 512 512"><path fill="currentColor" d="M464 32H336c-26.5 0-48 21.5-48 48v128c0 26.5 21.5 48 48 48h80v64c0 35.3-28.7 64-64 64h-8c-13.3 0-24 10.7-24 24v48c0 13.3 10.7 24 24 24h8c88.4 0 160-71.6 160-160V80c0-26.5-21.5-48-48-48zm-288 0H48C21.5 32 0 53.5 0 80v128c0 26.5 21.5 48 48 48h80v64c0 35.3-28.7 64-64 64h-8c-13.3 0-24 10.7-24 24v48c0 13.3 10.7 24 24 24h8c88.4 0 160-71.6 160-160V80c0-26.5-21.5-48-48-48z"></path></svg></div><div class="ml-1 text-whe flex-grow text-sm">Publitns</div></a><a class="flex font-normal mx-2 round-md ems-center hover:no-unrle pl-1 hover:bg-gray-900 active:bg-gray-900 my-1.5 py-3 borr-transparent hover:bg-transparent" data-cy="menu-em/r" href="/r"><div class="w-8 mr-2 sm:mt-0 jtify-center flex text-[17px] text-gray-500"><div class="w-[20px] h-[20px]"><svg width="100%" height="100%" viewBox="0 0 24 24" fill="none" xmlns="><path fill-le="evenodd" clip-le="evenodd" d="M11.9426 1.25H12.0574C14.3658 1.24999 16.1748 1.24998 17.5863 1.43975C19.031 1.63399 20.1711 2.03933 21.0659 2.93414C21.9607 3.82895 22.366 4.96897 22.5603 6.41371C22.75 7.82519 22.75 9.63423 22.75 11.9426V12.0574C22.75 14.3658 22.75 16.1748 22.5603 17.5863C22.366 19.031 21.9607 20.1711 21.0659 21.0659C20.1711 21.9607 19.031 22.366 17.5863 22.5603C16.1748 22.75 14.3658 22.75 12.0574 22.75H11.9426C9.63423 22.75 7.82519 22.75 6.41371 22.5603C4.96897 22.366 3.82895 21.9607 2.93414 21.0659C2.03933 20.1711 1.63399 19.031 1.43975 17.5863C1.24998 16.1748 1.24999 14.3658 1.25 12.0574V11.9426C1.24999 9.63423 1.24998 7.82519 1.43975 6.41371C1.63399 4.96897 2.03933 3.82895 2.93414 2.93414C3.82895 2.03933 4.96897 1.63399 6.41371 1.43975C7.82519 1.24998 9.63423 1.24999 11.9426 1.25ZM6.61358 2.92637C5.33517 3.09825 4.56445 3.42514 3.9948 3.9948C3.42514 4.56445 3.09825 5.33517 2.92637 6.61358C2.75159 7.91356 2.75 9.62177 2.75 12C2.75 14.3782 2.75159 16.0864 2.92637 17.3864C3.09825 18.6648 3.42514 19.4355 3.9948 20.0052C4.56445 20.5749 5.33517 20.9018 6.61358 21.0736C7.91356 21.2484 9.62177 21.25 12 21.25C14.3782 21.25 16.0864 21.2484 17.3864 21.0736C18.6648 20.9018 19.4355 20.5749 20.0052 20.0052C20.5749 19.4355 20.9018 18.6648 21.0736 17.3864C21.2484 16.0864 21.25 14.3782 21.25 12C21.25 9.62177 21.2484 7.91356 21.0736 6.61358C20.9018 5.33517 20.5749 4.56445 20.0052 3.9948C19.4355 3.42514 18.6648 3.09825 17.3864 2.92637C16.0864 2.75159 14.3782 2.75 12 2.75C9.62177 2.75 7.91356 2.75159 6.61358 2.92637Z" fill="currentColor"></path><path d="M12 5.5L12.8776 9.58687C13.0428 10.3562 13.6438 10.9572 14.4131 11.1224L18.5 12L14.4131 12.8776C13.6438 13.0428 13.0428 13.6438 12.8776 14.4131L12 18.5L11.1224 14.4131C10.9572 13.6438 10.3562 13.0428 9.58687 12.8776L5.5 12L9.58687 11.1224C10.3562 10.9572 10.9572 10.3562 11.1224 9.58687L12 5.5Z" fill="currentColor"></path><path d="M7 5.5L7.30622 6.92602C7.38882 7.31069 7.68931 7.61118 8.07398 7.69378L9.5 8L8.07398 8.30622C7.68931 8.38882 7.38882 8.68931 7.30622 9.07398L7 10.5L6.69378 9.07398C6.61118 8.68931 6.31069 8.38882 5.92602 8.30622L4.5 8L5.92602 7.69378C6.31069 7.61118 6.61118 7.31069 6.69378 6.92602L7 5.5Z" fill="currentColor"></path><path d="M15.5 4L15.6294 4.6028C15.712 4.98747 16.0125 5.28795 16.3972 5.37056L17 5.5L16.3972 5.62944C16.0125 5.71205 15.712 6.01253 15.6294 6.3972L15.5 7L15.3706 6.3972C15.288 6.01253 14.9875 5.71205 14.6028 5.62944L14 5.5L14.6028 5.37056C14.9875 5.28795 15.288 4.98747 15.3706 4.6028L15.5 4Z" fill="currentColor"></path></svg></div></div><div class="ml-1 text-whe flex-grow text-sm"><div class="relative"><div class="absolute top-[-5px] left-[60px]"><p class="font-black text-[7px] round-sm bg-peach text-whe leadg-snug py-0.5 px-1 upperse poter-events-none">Beta</p></div><div>Cur AI</div></div></div></a></div></div></div></div></div><div data-cy="cur-logo" class="mt-[1px] md:mt-[2px]"><div class="ntents md:hidn"><a href="/disver"><svg width="33" height="28.05" fill="currentColor" viewBox="0 0 78 70" xmlns="><path d="M33.314 51.403c-10.225 0-18.513-8.304-18.513-18.55 0-10.244 8.288-18.549 18.513-18.549 5.116 0 9.748 2.08 13.099 5.443L56.508 9.631C50.573 3.681 42.373 0 33.314 0 15.204 0 .524 14.71.524 32.854s14.68 32.854 32.79 32.854c9.05 0 17.244-3.676 23.177-9.615L46.397 45.978a18.437 18.437 0 01-13.083 5.425zM61.454 15.984l-3.488 3.495a28.156 28.156 0 01-.012 26.77l3.487 3.495a32.743 32.743 0 004.662-16.89c0-6.169-1.698-11.939-4.65-16.87z"></path><path d="M54.421 23.03l-3.646 3.653a18.635 18.635 0 01-.008 12.365L54.41 42.7a23.381 23.381 0 00.01-19.67zM68.344 9.08l-3.436 3.443a37.495 37.495 0 015.954 20.33 37.49 37.49 0 01-5.966 20.351l3.434 3.442a42.247 42.247 0 007.291-23.792c0-8.81-2.685-16.993-7.277-23.773z"></path></svg></a></div><div class="hidn md:ntents"><a class="outle-none z-50 w-[75px]" role="lk" tabx="0" href="/disver"><svg xmlns=" viewBox="0 0 3000 718.86" height="19" aria-labelledby="uniqueTleID uniqueDcID" fill="currentColor"><tle>Cur logo
.