Pros
Many co-workers really cared about the mission to bring finance to underserved people and markets. This translated to a good team spirit in most but not all locations and enthusiasm for the work.
Cons
If you start by knowing that the two most senior engineers couldn't hack it as mid level at Google, and that petty criminals in Latin America easily figured out how to break the "indestructible" lock and then shared it on YouTube, that tells you what you need to know about the company's future which is nonexistent. Add in multiple rounds of random layoffs which somehow "happened" to eliminate 75% of senior woman leaders in a company that only had 4 to start with, and you get the picture. There's a good amount of shady/corrupt behavior in the markets with petty theft and fraud running rampant and little process to identify or rein this in. Occasionally there are pay increases or promotions but they are random, insufficient, and always late. They purport to have a compensation plan that manages this but don't have money to fund it so they ignore details like cost of living increases or paying on market for jobs. In the layoffs they let go of the entire recruiting group so it seems like they don't plan to hire anyone - leaving the distinct impression it's only a matter of time before the VC's pull their funding and shut it down. Kind of mysterious why that hasn't happened already unless they just don't want to have egg on their face.