05 · Case Study
Fintech Cross-Border 2025 Mobile

Glopayz
Cross-Border Wallet

A multi-currency wallet for moving money across borders with confidence. Transparent FX, real-time fees, and clear status from send to settle.

RoleProduct Designer
Timeline3 Months · 2025
Team1 Designer · 2 Eng · 1 PM
ToolsFigma · Notion
TypeConcept · In dev
IOverview

Money, across borders, simply.

Glopayz is a cross-border wallet concept for people whose money moves between countries: freelancers, students, families, and small businesses sending and receiving across regions.

The app supports GBP, USD, EUR, and local currency wallets in one place, with transparent exchange rates, real-time fees, and clear tracking from send to settle.

IIThe Problem

Hidden fees, quiet anxiety.

Cross-border users struggle with high fees, slow settlement, currency volatility, and complicated financial tools. Many platforms hide costs until just before commit, and make basic tasks feel stressful.

What people actually want is unglamorous: clarity, speed, and the confidence that the money will land, with no surprises along the way.

IIIGoals

What we set out to solve.

  1. Make wallet funding and withdrawals genuinely simple.
  2. Reduce friction in cross-border transfers, fewer steps, fewer surprises.
  3. Show real-time exchange rates clearly, before commit, never after.
  4. Support multiple wallets and currencies in a single, organised surface.
  5. Build user confidence through transparency at every stage of a transfer.
IVApproach

How it came together.

01

Research

Studied Grey, Geegpay, Pesa, and Chipper Cash to identify patterns that reduce confusion in cross-border flows.

02

Map

Diagrammed wallet creation, local transfers, international transfers, and virtual card activation, including every error state.

03

Wireframe

Tested layouts where fees, rates, and arrival times stay visible, not hidden behind "see breakdown" links.

04

Design

Clean financial aesthetic, blue accents, structured type for fast scanning, colour-coded currency states.

Glopayz, multi-currency wallet overview with live exchange rates
VKey Design Decisions

Six choices that shaped the wallet.

01

Multi-currency wallets, in one view.

Hold and manage GBP, USD, EUR, and local currency wallets in one place. Balances update instantly, no refresh, no doubt.

02

Transparent cross-border transfers.

Fast transfers between supported countries, with real-time fees and arrival estimates shown before the user commits.

03

Virtual cards with real controls.

Create and manage cards for online payments with spending limits, instant freeze, and clear merchant categorisation.

04

Honest FX, no hidden spread.

Currency conversion shows the rate, the fee, and the final amount side-by-side. No "mid-market rate" gymnastics.

05

A transaction timeline.

Every transfer has a live timeline, sent, in transit, settling, arrived. Users always know where their money is.

06

Colour-coded by currency.

Each currency wallet has a consistent colour identity, making transaction states and balances scannable at a glance.

VIImpact

Money, borderless.

Multi-currency, on one surface

Borderless

In prototype testing, people understood the fees more clearly, moved money without second-guessing, and felt confident tracking a transfer from start to finish. The streamlined flows took the hesitation out of a first cross-border payment.

CurrenciesGBP · USD · EUR · Local
TransparencyFees shown pre-commit
CardsVirtual, with controls
VIIWhat's Next

Where we're heading.

  1. 01
    Rewards

    Rewards on FX conversions.

    Cashback or points on currency conversions, small wins that compound for frequent senders.

  2. 02
    Social

    Social usernames for transfers.

    Send to a $username instead of account numbers, friendlier, with fewer typos and fewer "did I get the digits right?" worries.

  3. 03
    Automation

    Recurring payments & rate alerts.

    Set-and-forget scheduled transfers, plus optional alerts when an FX rate hits a user-set threshold.

Cross-border money apps win when fees are honest and status is loud, not the other way around. From Glopayz prototype testing, 2023
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START OVER · 01
Fintech2025
Redpay
Payment Gateway
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