[29athrowaway]

I think you may be conflating a few things here.

Being Latino and not being eligible for a social security number (and by extension having a bank account) are different things.

There are millions of Latinos that are citizens, some others are permanent residents, temporary workers, fiancees or otherwise people eligible for a SSN... Some others are refugees under TPS, some others are in DACA, and so on and on.

To conflate Latino and undocumented immigrant is upsetting as fuck, it reinforces negative stereotypes that already cause significant problems like citizens being assaulted, insulted, discriminated against, kidnapped by ICE, harassed by TSA, CBP and other agencies.

Conflating undocumented immigrant and Latino is a disservice to the community at large.

Another thing is: how do you guarantee your service won't be used to finance or otherwise facilitate human trafficking, smuggling, prostitution, extortion or any other illegal activity? Will your service adhere to the Bank Secrecy Act and other regulations?

[Piero0909]

Millions of migrants including Latinos come to the USA legally and while they go through the process of getting an SSN usually some time passes while one needs a bank account for many reasons. During that period, Pana offers a 10x better experience. We at Pana are solving problems we've personally experienced. The Pana bank account is FDIC insured and compliant with all required regulations through our banking partner Piermont Bank.

[29athrowaway]

And there are many more millions who are already here, and have been here for generations, and are US citizens.

The way you use language to promote your service doesn't reflect that.

You may want to say "Latino immigrants" or "Latino tourists", since those are small subsets of "Latino". Be specific.

Do you think Latinos are people that "come to the USA", as if they were all tourists and immigrants? Latinos are about 1/5th of the US population.

Why are you portraying Latinos as a network of 60 million of people informally lending money directly to each other? Do you even know 1 Latino person?

Do you think all Latinos are buying houses lending money to each other? as if any realtor would be remotely OK with that? What the FUCK

[User23]

Interestingly enough, in Southern California a significant percentage of border agents are Chicanos. Border security and immigration policy isn’t a race issue, no matter what certain ideologues would have you believe.

It’s interesting to me that many Chicano families can trace their history back to the old Spanish Empire. They’ve literally been Americans longer than nearly all Anglos.

[missedthecue]

"To conflate Latino and undocumented immigrant is upsetting as fuck"

Or... just an accurate perception of reality? Turns out, not many Namibians or Mongolians make it to the USA undocumented. This doesn't have to be a politically charged observation unless you're trying to force it to be one.

[29athrowaway]

What do you think is the proportion of legal and illegal Latinos?

What you say implies something close to 99% of Latinos are undocumented, and that's not even remotely true.

If there are 60 million Latinos in the US, and 11 undocumented immigrants of all national origins, that means your statement is false as well as intellectually dishonest.

And some of those might as well be descendants of US citizens removed via ethnic cleansing. https://en.wikipedia.org/wiki/Mexican_Repatriation

[missedthecue]

I don't think I implied that. How many undocumented immigrants in the US do you think are not Latino?

[29athrowaway]

DHS numbers from 2014[1]:

- India: 4%

- Philippines: 3%

- China: 2%

- Korea: 2%

- Vietnam: 2%

- Mexico, El Salvador, Guatemala, Honduras, Dominican Republic: 70%

- Other: 17%

The number of illegal immigrants from Mexico and El Salvador are going down. Mexicans are no longer the majority.

[1]: https://www.dhs.gov/sites/default/files/publications/Unautho...

Anyways, the way you present accusations without even looking things up beforehand makes you look pretty bad.

[missedthecue]

So 70% are central America. Throw in South America and it's an even higher percentage that are Latino.

I'd call that an accurate perception of reality, not "upsetting as fuck."

And this startup is trying to provide valuable services that improve their lives. Why does it upset you so?

[29athrowaway]

If less than 13% of Latinos are undocumented, to say Latino = undocumented is not an accurate perception of reality.

And the part that I characterized as being "upsetting as fuck" is the false premise that most US Latinos are tourists or immigrants not eligible for a bank account rather than the reality which is that most US Latinos are US citizens that do not need this fucking application to do banking whatsoever or their unintelligent founders with savior complex that do not even know the difference between a Latino and someone ineligible for a bank account.

It invalidates the fact Latinos have been here for a long time and formed families and participate of society in a law abiding way, and now in a few words from this guy they're all back to being tourists and illegals that can't even open a bank account. Fuck! You guys know how to make someone upset.

Go to Puerto Rico, California, Florida or Texas and socialize a little bit before making such uninformed claims.