WebApp for Web3 Transfers via ID

Crypto inerface on the yellow-green background
Product
Alfa-Bank Start-Up
project type
Product design, early testing
my role
Senior Product Designer
year
2024

Case overview

Problem

Users were intimidated by long blockchain addresses, frequently made mistakes when entering them, and did not trust the process. The UX felt overly technical and unapproachable. Most beginners were dropping out before initiating their first crypto transfer. This produced a clear adoption bottleneck and limited the bank’s ability to scale its crypto offering.

Solution

I redesigned the crypto transfer experience by replacing blockchain addresses with a simple, familiar email/ID flow, making the product instantly understandable to beginners and removing the main barrier to adoption. I validated the entire journey through high-fidelity prototypes, which led to a 30% registration conversion during testing and confirmed the viability of a “crypto that feels like normal money transfer” model.

Impact

Usability tests demonstrated 30% conversion to platform registration, a very high number for first-time crypto products in regulated environments.

Problem statement

Users were intimidated by long blockchain addresses, frequently made mistakes when entering them, and did not trust the process.

The UX felt overly technical and unapproachable. Most beginners were dropping out before initiating their first crypto transfer.

This produced a clear adoption bottleneck and limited the bank’s ability to scale its crypto offering.

The bank wanted to launch a crypto-transfer experience that could be re-used by external partners as a white-label product.

A simpler, safer flow would increase transaction volume, reduce support costs, and open new commission revenue streams.

Crypto adoption was strategically important — and the existing friction prevented growth.

Why it mattered

Design System Elements

No items found.

Problem solving spotlights

No items found.

With rapid change in money transfers, customers demanded higher security.I helped the company improve time-to-market performance and supported the go-to-market strategy.

"The project helped the bank identify strategic growth areas and informed its crypto roadmap through 2028.”

Anti-numbers

Users were intimidated by long blockchain addresses, frequently made mistakes when entering them, and did not trust the process. The UX felt overly technical and unapproachable. Most beginners were dropping out before initiating their first crypto transfer. This produced a clear adoption bottleneck and limited the bank’s ability to scale its crypto offering.

$9.3B

Loses in Crypto in 2024

35%

Address accuracy anxiety

24%

Address manipulation concern

Design System Elements

No items found.

Key elements I had to rethink

First iteration

Email/ID → automatic resolution → select crypto → enter amount → confirm → send

No items found.

Design decisions were shaped by strict compliance requirements and anti-fraud limitations:

  • Regulatory rules restricted what information could be shown before a transfer.
  • Anti-fraud systems required additional inline checks without overwhelming users.
  • All flows had to remain safe for first-time crypto users with zero blockchain knowledge.

Building trust while hiding technical complexity was the main challenge.

Challenges & Constraints

I designed a white-label WebApp that lets users send and receive crypto using only an email or Alfa-ID, removing blockchain addresses entirely to the back-end.

I redesigned the whole flow to feel like a normal bank transfer:

enter email → system resolves the recipient → choose the coin → confirm → send.

This removed the complexity and shifted the mental model from ‘crypto’ to ‘simple money transfer’.

Because emails are easier for fraud than blockchain addresses, I also designed a strong confirmation layer with clear risk messaging and identity validation.

I built modular white-label components so the same product could be used by partners. In usability testing we achieved 30% conversion to registration, which is extremely high for a first-time crypto product.

The project helped the bank identify strategic growth areas and informed its crypto roadmap through 2028.

My contribution

Second Iteration

No items found.

How the product is launched

No items found.

Hands-on impact

User research and prototype testing revealed several behavioural truths:

  • People trust email/ID far more than blockchain addresses — but emails are also easier targets for fraud, which required stronger confirmation stages.
  • Users expect 1–2 simple steps, not a complex crypto journey.
  • Crypto transfers must feel like ordinary money transfers, not a technical Web3 process.
  • Anxiety before sending was high; clear confirmation screens were essential to reduce fear and prevent cancellations.

Impact in facts

I redesigned the crypto transfer experience by replacing blockchain addresses with a simple, familiar email/ID flow, making the product instantly understandable to beginners and removing the main barrier to adoption. I validated the entire journey through high-fidelity prototypes, which led to a 30% registration conversion during testing and confirmed the viability of a “crypto that feels like normal money transfer” model.

Validated

Demand for simplified crypto transfers

30%

Sign-Up conversion during tests

55%

Task completion rate (early validation)

Afterwords

This project was about learning before scaling. By stripping crypto transfers down to a familiar mental model and validating behaviour early, we reduced both product and regulatory risk. The strongest outcome wasn’t growth metrics, but clarity: understanding where users trust the system, where they hesitate, and what must be designed before investing further.

Let’s work together

Interested in collaborating?
Happy to connect and explore how we can work together.

Connect at LinkedIn
An icon represents link to LinkedIn

Other works

```html
═══════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════

                                                                                     SUBSCRIPTION PAYMENT FLOW

═══════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════


                                          +---------------------------+              +----------------------------------+
                                          |  Debit from wallet        |              |  Debit from third-party          |
                                          |                           |              |  subscription                    |
                                          +---------------------------+              +----------------------------------+
                                                      |                                              |
                                                      |                                              |
                                                      v                                              v
                                          /---------------------------\              /----------------------------------\           Yes          +---------------------------+              +----------------------------------+
                        ┌────────────────<   Balance available?       >────── No ──>|  Exit to wallet               |─────────────>|  Paid?                    |───── Yes ────>|  Credit to balance               |───────┐
                        |                 \---------------------------/              \----------------------------------/                          +---------------------------+              +----------------------------------+       |
                        |                             |                                                                                                      |                                              |                   |
                        |                             | Yes                                                                                                  | No                                             |                   |
                        |                             |                                                                                                      |                                              |                   |
                        |                             v                                                                                                      v                                              v                   |
    ┌───────────┐       |                 /---------------------------\                                                                          +---------------------------+              +----------------------------------+       |
    | Payment   |───────┘                <   Balance available?       >                                                                          | [Flow ends]               |              | Change user subscription          |───────┤
    | start     |                         \---------------------------/                                                                          +---------------------------+              +----------------------------------+       |
    └───────────┘                                     |                                                                                                                                                     |                   |
                                                      | Yes                                                                                                                                                 |                   |
                                                      |                                                                                                                                                     |                   |
                                                      v                                                                                                                                                     |                   |
                                          +---------------------------+              /----------------------------------\           No           +---------------------------+              +----------------------------------+       |
                                          | Debit balance for         |──────────────<   Sufficient balance?            >────────────────────────>| Difference + commission   |              | Debit card for subscription      |       |
                                          | commission                |              \----------------------------------/                          | from card                 |              | remainder + commission           |       |
                                          +---------------------------+                              |                                            +---------------------------+              +----------------------------------+       |
                                                      |                                              | Yes                                                    |                                              |                   |
                                                      |                                              |                                                        └──────────────┬───────────────────────────────┘                   |
                                                      |                                              |                                                                       |                                                   |
                                                      |                                              v                                                                       v                                                   |
                                                      |                                  +----------------------------------+                          +----------------------------------+                                          |
                                                      |                                  | Debit subscription + commission  |                          | [Flow continues]                 |                                          |
                                                      |                                  |                                  |                          +----------------------------------+                                          |
                                                      |                                  +----------------------------------+                                              |                                                   |
                                                      |                                              |                                                                       |                                                   |
                                                      |                                              |                                                                       |                                                   |
                                                      └──────────────────────────────────────────────┼───────────────────────────────────────────────────────────────────────┘                                                   |
                                                                                                     |                                                                                                                           |
                                                                                                     v                                                                                                                           |
                                                                                         +----------------------------------+                                                                                                      |
                                                                                         | Add payment record               |                                                                                                      |
                                                                                         |                                  |                                                                                                      |
                                                                                         +----------------------------------+                                                                                                      |
                                                                                                     |                                                                                                                           |
                                                                                                     |                                                                                                                           |
                                                                                                     v                                                                                                                           |
                                                                                         /----------------------------------\                          +----------------------------------+                                          |
                                                                                        <   Commission exists?              >───── Yes ──────────────>| Account for commission           |                                          |
                                                                                         \----------------------------------/                          |                                  |                                          |
                                                                                                     |                                              +----------------------------------+                                          |
                                                                                                     | No                                                       |                                                                   |
                                                                                                     |                                                          |                                                                   |
                                                                                                     v                                                          v                                                                   |
                                                                                         +----------------------------------+              +----------------------------------+              /----------------------------------\       |
                                                                                         | Send notification                |              | Update subscription expiry       |             <   First payment?                 >──────┤
                                                                                         |                                  |              | date                             |              \----------------------------------/       |
                                                                                         +----------------------------------+              +----------------------------------+                              |                   |
                                                                                                     |                                              |                                              | Yes                           |
                                                                                                     |                                              |                                              |                               |
                                                                                                     └──────────────────────────────────────────────┼──────────────────────────────────────────────┘                               |
                                                                                                                                                    |                                                                              |
                                                                                                                                                    v                                                                              |
                                                                                                                                        /----------------------------------\                                                         |
                                                                                                                                       <   [Decision point]                >───── Yes ──────────────────────────────────────────────┘
                                                                                                                                        \----------------------------------/
                                                                                                                                                    |
                                                                                                                                                    | No
                                                                                                                                                    |
                                                                                                                                                    v
                                                                                                                                        +----------------------------------+
                                                                                                                                        | Deferred subscription created    |
                                                                                                                                        |                                  |
                                                                                                                                        +----------------------------------+


═══════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════

LEGEND / GLOBAL RULES:

1. Currency & Balance: All transactions process in the user's wallet balance first. If insufficient balance exists, the system redirects to wallet top-up.

2. Commission Handling: Commission fees are calculated and debited separately. If balance covers subscription but not commission, the difference plus commission is charged to the linked card.

3. Payment Methods: The system supports wallet balance, card payments, and third-party subscription billing. Card debits include both subscription remainder and applicable commission.

4. First Payment Logic: First-time subscription payments trigger deferred subscription creation. Subsequent renewals follow standard renewal paths.

5. Notifications: Payment confirmation notifications are sent after successful transaction recording.

6. Subscription Updates: User subscription status and expiry dates are updated immediately upon successful payment processing.

7. Transaction Records: Every payment generates a payment record entry in the system, regardless of payment method or amount.

8. Balance Checks: Multiple balance verification points ensure sufficient funds before proceeding with debits.

═══════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════
    
``````html
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                                                                                     SUBSCRIPTION PAYMENT FLOW

═══════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════


                                          +---------------------------+              +----------------------------------+
                                          |  Debit from wallet        |              |  Debit from third-party          |
                                          |                           |              |  subscription                    |
                                          +---------------------------+              +----------------------------------+
                                                      |                                              |
                                                      |                                              |
                                                      v                                              v
                                          /---------------------------\              /----------------------------------\           Yes          +---------------------------+              +----------------------------------+
                        ┌────────────────<   Balance available?       >────── No ──>|  Exit to wallet               |─────────────>|  Paid?                    |───── Yes ────>|  Credit to balance               |───────┐
                        |                 \---------------------------/              \----------------------------------/                          +---------------------------+              +----------------------------------+       |
                        |                             |                                                                                                      |                                              |                   |
                        |                             | Yes                                                                                                  | No                                             |                   |
                        |                             |                                                                                                      |                                              |                   |
                        |                             v                                                                                                      v                                              v                   |
    ┌───────────┐       |                 /---------------------------\                                                                          +---------------------------+              +----------------------------------+       |
    | Payment   |───────┘                <   Balance available?       >                                                                          | [Flow ends]               |              | Change user subscription          |───────┤
    | start     |                         \---------------------------/                                                                          +---------------------------+              +----------------------------------+       |
    └───────────┘                                     |                                                                                                                                                     |                   |
                                                      | Yes                                                                                                                                                 |                   |
                                                      |                                                                                                                                                     |                   |
                                                      v                                                                                                                                                     |                   |
                                          +---------------------------+              /----------------------------------\           No           +---------------------------+              +----------------------------------+       |
                                          | Debit balance for         |──────────────<   Sufficient balance?            >────────────────────────>| Difference + commission   |              | Debit card for subscription      |       |
                                          | commission                |              \----------------------------------/                          | from card                 |              | remainder + commission           |       |
                                          +---------------------------+                              |                                            +---------------------------+              +----------------------------------+       |
                                                      |                                              | Yes                                                    |                                              |                   |
                                                      |                                              |                                                        └──────────────┬───────────────────────────────┘                   |
                                                      |                                              |                                                                       |                                                   |
                                                      |                                              v                                                                       v                                                   |
                                                      |                                  +----------------------------------+                          +----------------------------------+                                          |
                                                      |                                  | Debit subscription + commission  |                          | [Flow continues]                 |                                          |
                                                      |                                  |                                  |                          +----------------------------------+                                          |
                                                      |                                  +----------------------------------+                                              |                                                   |
                                                      |                                              |                                                                       |                                                   |
                                                      |                                              |                                                                       |                                                   |
                                                      └──────────────────────────────────────────────┼───────────────────────────────────────────────────────────────────────┘                                                   |
                                                                                                     |                                                                                                                           |
                                                                                                     v                                                                                                                           |
                                                                                         +----------------------------------+                                                                                                      |
                                                                                         | Add payment record               |                                                                                                      |
                                                                                         |                                  |                                                                                                      |
                                                                                         +----------------------------------+                                                                                                      |
                                                                                                     |                                                                                                                           |
                                                                                                     |                                                                                                                           |
                                                                                                     v                                                                                                                           |
                                                                                         /----------------------------------\                          +----------------------------------+                                          |
                                                                                        <   Commission exists?              >───── Yes ──────────────>| Account for commission           |                                          |
                                                                                         \----------------------------------/                          |                                  |                                          |
                                                                                                     |                                              +----------------------------------+                                          |
                                                                                                     | No                                                       |                                                                   |
                                                                                                     |                                                          |                                                                   |
                                                                                                     v                                                          v                                                                   |
                                                                                         +----------------------------------+              +----------------------------------+              /----------------------------------\       |
                                                                                         | Send notification                |              | Update subscription expiry       |             <   First payment?                 >──────┤
                                                                                         |                                  |              | date                             |              \----------------------------------/       |
                                                                                         +----------------------------------+              +----------------------------------+                              |                   |
                                                                                                     |                                              |                                              | Yes                           |
                                                                                                     |                                              |                                              |                               |
                                                                                                     └──────────────────────────────────────────────┼──────────────────────────────────────────────┘                               |
                                                                                                                                                    |                                                                              |
                                                                                                                                                    v                                                                              |
                                                                                                                                        /----------------------------------\                                                         |
                                                                                                                                       <   [Decision point]                >───── Yes ──────────────────────────────────────────────┘
                                                                                                                                        \----------------------------------/
                                                                                                                                                    |
                                                                                                                                                    | No
                                                                                                                                                    |
                                                                                                                                                    v
                                                                                                                                        +----------------------------------+
                                                                                                                                        | Deferred subscription created    |
                                                                                                                                        |                                  |
                                                                                                                                        +----------------------------------+


═══════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════

LEGEND / GLOBAL RULES:

1. Currency & Balance: All transactions process in the user's wallet balance first. If insufficient balance exists, the system redirects to wallet top-up.

2. Commission Handling: Commission fees are calculated and debited separately. If balance covers subscription but not commission, the difference plus commission is charged to the linked card.

3. Payment Methods: The system supports wallet balance, card payments, and third-party subscription billing. Card debits include both subscription remainder and applicable commission.

4. First Payment Logic: First-time subscription payments trigger deferred subscription creation. Subsequent renewals follow standard renewal paths.

5. Notifications: Payment confirmation notifications are sent after successful transaction recording.

6. Subscription Updates: User subscription status and expiry dates are updated immediately upon successful payment processing.

7. Transaction Records: Every payment generates a payment record entry in the system, regardless of payment method or amount.

8. Balance Checks: Multiple balance verification points ensure sufficient funds before proceeding with debits.

═══════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════════
    
```