There is a stark difference between what you can pay for and what you can afford. Especially with the holidays coming up, transactions–that is, the exchange of money between family, friends, and loved ones–will increase. Enter Zirtue. Dennis Cail, the CEO and founder of the relationship based loan platform, met with DW to discuss how he founded the platform, but more importantly, why it’s necessary to Black communities. “How many family members did you loan money to before you founded Zirtue?” we asked. Promptly, and without reservation, Cail responds, “Too many.” Zirtue allows individuals to transact loans from person to