A funded naira account
Proposed: fund the wallet by bank transfer to dedicated NGN account details.
Personal conceptUnfinished. A self-initiated project, not a shipped or client product.
Case study · Personal finance & payments
BracketPay
Making budgeting and currency exchange easy to do from one app.
BracketPay is a personal fintech concept exploring budgeting, currency exchange and payments in one app. The proposed experience brings account funding, currency swaps, virtual cards and spending plans together.
The challenge
Explore how budgeting, currency exchange and payments could work together in one mobile experience.
My contribution
I developed the product concept and designed its initial interfaces independently.
Key decision
Show transaction amounts, exchange rates and fees before confirmation, with budgeting accessible from the same account.
Project status
I completed concept designs for the core flows: funding, currency swaps, virtual cards, transfers and budgets. None of the services were built, and the designs have not been tested with users.
(01)Overview
Wallet, exchange, cards and budgets in one app.
These four services usually sit in separate apps. In BracketPay, each one is a tap from the home screen.
Currency swaps
Convert between naira and other currencies with the rate and fee shown upfront.
A virtual card
Proposed: a card for international online payments, with fees still to be confirmed.
Spending limits
Set budgets and track what is left to spend.
(02)The problem
Paying in another currency shouldn’t take three apps.
Paying for a subscription, a course or a tool priced in dollars often means finding an exchange, using a card that might be declined, then checking a bank app to see what it really cost. Budgeting happens somewhere else again.
The real cost is unclear.
Rates and fees are often only clear after a swap is done.
Local cards don’t always work abroad.
Online subscriptions and international payments can fail or come with extra charges.
A wallet isn’t enough.
People need account details they can share so others can pay them.
Plans live elsewhere.
Budgets usually sit in a separate app or spreadsheet, away from where money is spent.
(03)Getting started
From download to dashboard in a few steps.
I structured onboarding around registration, identity verification and account setup. A four-digit PIN, separate from the password, keeps everyday payments quick but protected.
01Create an accountName, email and password
02Verify your identityA government-issued ID (KYC)
03Set a PINFour digits for approving payments
04Get your accountNGN account details to fund the wallet
(04)Key features
Every transaction starts from the home screen.
The five quick actions on the home screen lead into the app’s main flows. Each flow puts the numbers on screen before the user confirms.
01 / Home
Start from the balance.
The home screen shows the total balance with a currency switcher, five quick actions (Top up, Send, Receive, Swap and More), a prompt to create a budget and recent transactions.
The tab bar keeps Card, Budget and Transaction history one tap away.
02 / Fund
A proposed naira account for funding the wallet.
The concept assumes each user would get account details through a partner bank, and that transfers into that account would top up the BracketPay wallet. No bank integration was built.
The design lets users share those details in one tap, so friends, clients or employers could pay in directly.
03 / Swap
See the rate before you swap.
Users pick the two currencies and enter an amount. The screen shows what they pay, what they get, the fee and the current rate before they tap Swap now.
04 / Spend
One card for paying anywhere.
The design lets users create a virtual card for online payments around the world, aimed at subscriptions and services priced in other currencies. Low or no fees were an assumption the concept did not validate.
05 / Send
Review every transfer before it is sent.
Before a transfer goes through, a preview shows who is getting the money, how much they receive, the fee and how long it takes. Users can save the person as a beneficiary and add a note.
(05)Design decisions
Small choices that build trust.
Users only trust a fintech product when nothing about a transaction surprises them. These decisions run through every flow.
Numbers before the button
Swap and send screens show the amount received, the fee, the rate and the time it takes above the confirm button.
A PIN separate from the password
Set during sign-up, the PIN approves payments without asking for the full password every time.
Lime always means the next step
Every primary action uses the same lime button, so the next step is always easy to spot.
Empty states that explain
Before a budget exists, the budget screen explains what budgets are for and offers one clear action: Create budget.
(06)Design system
Navy for trust, lime for action.
Lexend for headings, Raleway for body text, a deep navy for the brand, lime for primary actions and violet to mark budgeting.
Navy#25315D
Lime#A0E600
Slate#1E293B
Card navy#1A2755
Budget violet#6165D7
Surface#F3F4F8
Lexend & Raleway
Heading · Lexend 24 SemiBoldOne card for all your needs
Screen title · Lexend 18 MediumSwap Money
Body · Raleway 16 RegularPay easily anywhere in the world.
Label · Raleway 12 SemiBoldHome · Card · Budget · Transaction
Soft, rounded, calm.
Buttons & inputsRadius 10 · 44px tall
CardsRadius 12, white on a light surface
Tab barFrosted glass: white 50%, blur
IconsVuesax, linear; bold when active
Components
Balance card
Quick actions
NGN Analytics
Total balance₦2,000,000.00+Top upSendReceiveSwap⋯More
Buttons
Create AccountSign In
Swap fields
USD Balance: $0.00
You pay0.00
NGN
You get0.00
Current rate$1.00 = ₦776.00
Transaction row
GT
Tab bar
GTBankAccount Top up
₦2,000,000Aug 12
HomeCardBudgetTransactionProfile
(07)Lessons & next steps
Trust comes from showing the numbers.
In fintech, users need to know exactly what a transaction will do before they confirm it. Putting the rate, fee and recipient on screen first shaped most of the app.
Test the exchange and transfer flows
Run usability sessions on swapping and sending to check that people understand the rate and fee before they confirm.
Hold more currencies
Let users keep USD or GBP balances next to naira, using the currency switcher already on the home screen.
Manage subscriptions
Show recurring card payments in one place, so people can see and cancel subscriptions paid with the virtual card.
