NokPay — A Smart AI Fintech App for Cross‑Border Payments & Digital Assets

NokPay — A Smart AI Fintech App for Cross‑Border Payments & Digital Assets

TIMELINE

7 months

MY ROLE

Product Designer

TOOLS USED

Figma, Notion, ChatGPT (for ideation)

👋 Introduction

NokPay is a single, AI-assisted finance hub for people who send and receive money across borders, manage crypto and fiat wallets, and want a modern, easy-to-use AI-assisted banking experience. As the Product Designer, I created a design system, designed customisable home page widget cards allowing users to personalise their home screen, and built conversational AI banking flows to make financial management easy to use.

PROBLEM

Managing multiple wallets, currencies, and digital assets feels fragmented. Users had to switch between bank apps, crypto exchanges, and money-transfer services to complete simple financial tasks.

WHAT WAS SOLVED

create a single AI-powered mobile and desktop platform where users can send money, exchange currencies, manage assets, and handle banking tasks through a natural, conversational interface with full transparency on rates and fees.

DESIGN PROCESS

  • The customisable widget cards on the Home Page showcase key info at a glance: Balances, Connected Bank Accounts, Transaction History, Quick Actions, Currency Values, ****and ****additional finance widgets as needed.

  • The AI chat interface lets users type or voice-command financial actions like transfers, currency swaps, and simple budgeting.

  • It includes suggested prompts to jump-start common tasks and supports natural language with smart, contextual follow-ups.

  • Built-in guardrails ensure the AI suggests actions but always asks for confirmation before moving money.

DESIGN INSIGHTS

  • Users wanted more transparency in exchange rates and fees — hidden costs break trust.

  • Simplicity over features: users preferred fewer, clearer controls vs a dozen tiny tabs.

  • Conversational AI was desirable only if it felt human and efficient — not robotic.

NokPay AI proves you can merge traditional banking and crypto in a single, approachable product — if you center clarity, transparency, and human-first AI. The result is a beta-ready platform that speeds up onboarding and makes money management feel less chaotic

2025 Kunle’s Portfolio

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