Fintech AI | B2C UI/UX | Web3 | Case study

Most Web3 credit cards give you crypto cashback, then leave you wondering what to do with it. Convert back to fiat and lose the Web3 advantage, or hold volatile tokens? Either way, the reward loop breaks.

Users manage their financial lives across disconnected apps. One app holds their bank account, another manages crypto trading, a different card provides cashback rewards, and separate platforms handle event tickets. The opportunity was to merge all of it into one experience and close the loop.

Web3 is a next-generation fintech app that merges fiat banking, a crypto wallet, and a digital credit card with crypto cashback into a single mobile experience. Three traditionally separate products, one interface. You can pay your card balance with fiat, crypto, reward tokens, or an AI-optimized combination of all three.

The primary pain point in multi-account banking is the mental math. We designed the home screen around one number, your total balance. Fiat, savings, and crypto all rolled into a single figure at the top, with individual accounts as simple line items underneath. The credit card sits directly below with total due and a one-tap pay button. Recent activity at the bottom with categories and timestamps. Total financial position first, active debt second, recent transactions third. Everything else is one tap away.

The portfolio screen gives users a complete view of how their holdings are performing across BTC, ETH, and USDC. The design choice was to make portfolio growth feel visible and meaningful, so users can see their wealth building rather than just their balance sitting.

The design challenge was making crypto feel trustworthy and familiar. Crypto can feel risky or confusing if it is thrown at users all at once. The core experience looks and works exactly like any modern banking app. The crypto features sit alongside, enhancing the experience without replacing the patterns people already know.

The AI layer sits on top of the portfolio data. It looks at market conditions, cash flow, and spending patterns to surface the smartest payment strategy at the exact moment users are about to pay. When fiat is running low before payday, it nudges users toward using part of their BTC holdings instead. Market volatility becomes a strategic advantage rather than a source of confusion.

We introduced scratch card gamification to make crypto rewards feel tangible and worth earning. Every time you spend in a category, you win a scratch card to reveal your reward. Visible level progression makes users want to keep going.

The NFT layer upgrades the experience entirely. The rewards screen shows concerts, festivals, sports events, and nightlife, all redeemable with tokens earned from everyday spending. Each event has clear token pricing and you can see which friends are going.

The events you see are filtered by what you hold in your wallet. A specific community NFT unlocks exclusive meetups, early ticket drops, and VIP perks that other users never see.

The goal was to close the loop between spending and experience. Everyday purchases accumulate toward something real.