MultiPay
Turning six ways to move money into one form
MultiPay is a wallet for lari, dollars and euros. Top up from a card, move money between accounts, swap currencies, send to an IBAN. My job was to make none of it feel scary.
Role
Lead Product Designer
Timeline
10 weeks
Platform
iOS · Android
Year
2025
People were using three apps to move their own money.
3
apps, just to move your own money
One per bank card. One for the exchange rate. A calculator for what’s left. Nobody knew how much they actually had.
“Which app is my money in right now?”
— P07, user interviews · keeps three banking apps
“How much do I have?”
Lari in one place, dollars in another. No single number anywhere.
“Every screen is different.”
Top up, transfer, exchange, send abroad: four different forms to learn.
“Did it go through?”
Hit confirm, stare at a spinner. No idea if your money moved.
The insight
You don’t trust a screen. You trust a thing that works the same way every single time.
So every money move is the same three steps.
From where. To where. How much. Top-up, withdraw, transfer, exchange — same form, same order, same buttons. Learn one, you know them all.
Before · four rails, four forms
3 apps · nothing shared- 01
Top up a card
Bank app one. Its own form, its own wording.
- 02
Send to an IBAN
Bank app two. Different fields, different order.
- 03
Move between accounts
Bank app three, if the accounts are even in the same place.
- 04
Change currency
A converter, then a calculator for what’s left.
After · one skeleton
6 flows · 1 pattern- 01
From
Which account or card the money leaves. Always first.
- 02
To
Where it lands. A panel, so the form stays behind it.
- 03
Amount
Same quick-amount chips every time. Rate appears here if currencies differ.
- 04
Verdict
Pending, success or denied — full screen, same language, always a way back.
Card → account.
Account → card.
Two accounts disagree on currency — the form grows To Sell / To Buy and shows the rate.
Same skeleton, empty. The pattern teaches itself.
Five decisions that made it feel safe.
Your total is the first thing you see.
One number at the top: everything you have, all currencies, right now. Your cards sit under it. An eye icon hides the number when you’re on the bus.
Solves“How much do I have?”
The answer to “how much do I have” — before anything else.
Search plus four filter chips — every entry findable in two taps.
Choices pop up over the screen. They don’t take you away.
Pick a card, an account, a direction — each slides up as a panel with the form still visible behind it. You never lose your place.
Solves“Every screen is different”
Two destinations, one question.
Saved cards as tappable rows.
Every currency, one list.
Exchange isn’t a separate thing. It just happens.
Nobody wanted a “currency exchange” screen — they wanted to move dollars into their lari account. So pick two accounts, and if the currencies differ the form shows the rate and does the swap. Same three steps.
Solves“Every screen is different”
Two accounts disagree on currency — the form grows To Sell / To Buy and shows the rate.
Every move ends with a clear answer.
Done. Or processing, and when it finishes. Or didn’t work, and how to retry. Full screen, same look every time. No spinner you stare at, wondering.
Solves“Did it go through?”
Says what’s happening and when it ends.
An unmistakable verdict.
What went wrong, and the path to retry.
Your cards and devices live here too.
Freeze a card. See what it spent. Link an RFID tag to pay without your phone. No calling the bank.
Freeze it, trace it — without calling the bank.
Rename and edit in place.
Link an RFID tag — pay without the phone.
What it did.
6
Kinds of money moves
Top-up, two withdraws, two transfers, exchange
1
Pattern for all of them
From → To → Amount
90+
Screens designed
Flows, states, panels, popups
0
Dead ends
Every flow ends with an answer
The best wallet is the one you stop thinking about.
More screens
OTP with a visible resend clock.
Read states at a glance.
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