Send Money From a Digital Wallet
Design a wallet transfer that helps users choose the right recipient, understand fees, and recover from delayed payment status.
The brief
Understand the problem
Background
Wallet transfers feel simple until recipient identity, currency conversion, fees, and processing status are involved. Some transfers cannot be reversed after submission.
User context
Hana needs to reimburse a friend in another country. She has the friend's wallet handle but wants to confirm the recipient and total converted amount before sending.
Product problem
A small entry error can send money to the wrong account, while ambiguous pending states can cause users to submit the transfer again.
Objective
Create a recipient selection, transfer review, and status experience for a cross-currency wallet payment.
What to design
Define the experience
Required experience
- Recipient search and identity confirmation
- Amount entry with balance and exchange context
- Final review with fees and delivery estimate
- Pending, completed, and failed transfer details
Screens and states
- Recipient selection
- Amount entry
- Transfer review
- Security confirmation
- Transfer status
Core user flow
Follow the critical path
- 01
Hana searches for her friend's wallet handle
- 02
She verifies the recipient using available identity cues
- 03
She enters an amount and reviews the conversion rate and fees
- 04
She confirms with device authentication
- 05
The transfer remains pending and she checks what to do next
Product rules
Requirements and constraints
Requirements
- Make recipient verification prominent before amount entry
- Show source amount, destination amount, rate, and fees together
- Explain reversibility before the final confirmation
- Use a unique transfer reference in every status
- Discourage duplicate submissions while a transfer is pending
Constraints
- Exchange rates can expire
- Recipient data may be intentionally limited for privacy
- Transfer speed depends on destination and compliance checks
Reality check
States worth considering
Finish line
What to deliver
- Create five mobile screens that cover recipient confidence, transfer review, and a delayed status.
Optional direction
Visual resources
Use these as a starting constraint if you want one. They are not part of the required solution.