Paid24 - Design Handover

Research and Report ⌄

Design Goals

Add non-custodial USDT account via TON blockchain alongside existing CHF account. Create seamless UX that hides blockchain complexity. Borrow familiar patterns from Wise's multi-currency accounts. Enable users to connect TON wallet, view USDT balance, send to other users, and receive via wallet address.

User Research Insights

Users confused by crypto jargon. Prefer plain language over technical terms. Want familiar banking UX, not crypto interfaces. Need clear guidance at each step. Respond better to "TON wallet" than "jetton wallet" or "contract". Trust non-custodial approach when explained simply.

Design Decisions

Card-based currency selection. Click to switch between CHF and USDT. No segmented toggles. Bottom drawers for all actions. Consistent with existing send/request patterns. Plain language throughout. No mention of gas, private keys, or contracts. Friendly tone. Guide users, don't just alert.

Implementation Approach

Phased rollout. Stage 0: Dev navigation setup. Stage 1: Multi-currency home. Stage 2: TON wallet connection. Stage 3: Account details. Stage 4-5: Send and receive flows. Stage 7: MoonPay placeholders. Each stage testable via dev navigation. Query params simulate states.

Key UI Patterns

Dual account layout. Both currencies always visible. Active card highlighted. Action buttons context-aware. Transaction feed filtered by currency. Connect wallet via bottom drawer. Success/error states in-drawer. No toast notifications. Wallet address with QR code. Copy functionality throughout.

Future Considerations

Convert feature needed. USDT to CHF for card usage. MoonPay integration for fiat bridge. Multiple provider support. Wise-like multi-account UX. Cross-account transfers. Non-custodial by default. Provider choice for users.

Key Changes

1. Multi-Currency Home Complete

Replaced single CHF view with dual currency cards. Click a card to select currency. Action buttons update accordingly.

Why: Users need both traditional (CHF) and crypto (USDT) in one app.

Home - No Selection Home - CHF Active Home - USDT (No Wallet)

2. TON Wallet Connection Complete

Connect external crypto wallet via bottom drawer. 80% success simulation. Plain language throughout.

Why: Non-custodial approach. Users keep control of their crypto.

⚠️ Bug: Connect button needs two clicks. Fix later.

Try Connection Flow

3. USDT Account Details Complete

"Details ⬆" button opens drawer with wallet address, QR code, future MoonPay buttons (disabled).

Why: Users need their wallet info for external transfers.

USDT Connected State

4. Send & Receive USDT Complete

Send to TON addresses. Receive via address/QR sharing. Both use bottom drawers. Simulated blockchain confirmation.

Why: Core crypto functionality matching CHF patterns.

Access via Bottom Buttons

5. Help & Privacy Features Complete

❓ icon opens help drawer. 👁 icon hides all balances. Click balance amount also toggles visibility.

Why: Support access and privacy in public spaces.

Try Both Features

6. KYC Welcome Screen Complete

New “Unlock all features” screen guides users through identity confirmation. It leads with value (IBAN + free Mastercard), shows plain-English bullet benefits, a 5-minute promise, stacked card visual, and friendly security copy. Dynamic currency (CHF / EUR / USD) auto-adjusts based on the selected country.

Why: User-testing proved higher conversion when the payoff and time expectation are clear, jargon is removed, and trust is reinforced.

Preview KYC Welcome

7. TON Wallet Connection Only Complete

For users in unsupported countries we skip CHF onboarding entirely. They see a single USDT card with zero balance and a friendly “Connect TON Wallet” prompt – no CHF account card is shown.

Why: Regulatory constraints mean we can only offer crypto features (USDT via TON) in some regions. Removing unavailable options keeps UX clear.

USDT Wallet-Only Screen

Future Features (UI Only)

MoonPay Integration

Mockup shows "Add Money" and "Withdraw" tabs. Placeholder content only.

Why: Show stakeholders planned fiat-crypto bridge.

MoonPay Demo

New Onboarding Flow (22 Screens)

Complete Onboarding Sequence

Full implementation of the new onboarding flow with password creation, biometrics, location permission, wallet backup, and KYC.

Why: Implements all 22 screens from the new onboarding design with improved UX based on user testing feedback.

View New Onboarding Flow

Summary and Next Steps

What We've Done

Big cleanup and redesign. App now supports multiple accounts. Users can have USDT and CHF accounts side by side.

Designed TON Connect integration for Paid247. Non-custodial wallet connection. Plain language throughout.

Created placeholder for MoonPay integration. On-ramp and off-ramp UI ready for next sprint.

Note: Limited time on MoonPay. Got GitHub access Thursday night. Only had Friday to work. Next phase will be simple: click button, open MoonPay modal.

Immediate Next Step

Build convert feature. Users convert USDT to CHF. Then use card with that balance.

Needs proper user flow. Explain each step clearly. Base on original design from August 2024.

Strategic Direction

Two paths ahead. Depends on keeping Fiat24. If yes, follow "Wise Web3 Plan" below. If no, different approach needed.

Wise Web3 Plan (Recommended)

Copy Wise's mobile app exactly. They handle multiple accounts brilliantly. Great UX for sending, receiving, adding money.

Home Screen Structure:

Total balance at top
Three main buttons: Send, Add Money, Get Paid
Different accounts shown as cards
Transaction list below
Bottom menu: Home, Cards, Help

Send Money Flow:

Select which account to send from
Choose recipient (app users or external)
Base on primary use case we're building for

Add Money Flow:

Select target account
Show relevant options: IBAN for Fiat24 CHF, MoonPay for USDT

Get Paid Flow:

Generate receive link

Account Detail Screen:

Balance display
IBAN or wallet address
Add button
Convert button (send to different account)
Send button
Get Paid button

Alternative Strategy

Depends on strategic choices. Continue TON focus? Keep Fiat24 or just TON with MoonPay? Other providers?

Consider the use case: send money anywhere. Wise's multi-account approach works well here.

Each account type comes from different provider. That's fine. Different KYC. Different methods. Users accept this.

Real User Scenarios:

User A: Swiss NGO. Sets up USDT account only. Tops up with MoonPay. Sends to beneficiaries.

User B: Brazilian recipient. Wants storage and debit card. Uses Fiat24 account. Receives from User A. Gets physical card. Never needs MoonPay.

Main challenge: optimise sending between different account types. User A sends to User B seamlessly.

Long-Term Vision

Decentralised multi-provider Wise. Mostly non-custodial. Depends on provider choice.

Think "Spotify for Web3". Feels like Web2 banking. Select accounts from different providers like selecting artists on Spotify.

Future providers could include: Bitcoin storage. DeFi earning accounts. Whatever users need.

Original Screens (Unchanged)

Landing Intro 1 Intro 2 Intro 3 Intro 4 Login ID Check Claim Shares Virtual Card Feed

Paid24 Design Handover

What We Built