Pluspunten
There are still some good people there, even after they laid off 10% of the company (in May 2019) and the massive exodus of key talent which followed.
Minpunten
1. Inability to raise money - they have been trying to raise a round for a very long time, but are unable to. 2. Massive legal liability resulting from operating an illiquid lending market (CLAM); poor Risk Management. 3. Zero respect for Legal & Compliance functions. Product personnel openly mocks/insults Legal & Compliance teams at All Hands meetings. 4. Abysmal internal organization. There is no structure for Product Management; products/features are selected (and abandoned) at whim. Products/features that are selected for development often exclude key stakeholders until the very end. 5. The entire company is controlled by a small clique of toxic individuals who enjoy protection from the Founders. 6. 401(k) matching was removed with no timeline for restoration. 7. No vision or strategy - I'm not even sure what Circle is/does anymore after they sold Poloniex less than 18 months after acquiring it.