Designing a white-label payout experience for a global leader in digital payments
GOAL:
Design a mobile app for payouts and payment solution for businesses and individuals, taking on big players like Paypal's Hyperwallet, Payoneer and others.
A global leader in digital payments, set out to build a white-label wallet platform — a flexible foundation for brands to launch their own payout experiences. Designed for creators, gig workers, and affiliates, it combines the simplicity of consumer wallets with enterprise-grade compliance. As lead UX/UI studio, we defined the full mobile experience, transforming complex fintech infrastructure into a scalable, brand-ready product that could adapt to any partner identity.
While brand's existing wallets served consumers, the company identified a new opportunity: a payout wallet for businesses and platforms wanting to operate under their own brand. The new product had to unify onboarding, balances, transfers, and prepaid cards — all while allowing partners or creator platforms to personalize the interface to their brand. Our role was to design a modular, compliant UX system that could scale globally.
Designing a white-label wallet meant striking the right balance between regulatory compliance, visual customization, and ease of use. The system needed to support complex flows like KYC/KYB onboarding, multi-currency payouts, ACH transfers, and virtual cards, while remaining adaptable to different partner brands.
We worked closely with the client’s product and compliance teams to design the PaySpot Wallet MVP for iOS and Android. The platform was powered by a flexible, token-based design system that enabled rapid customization across different brands. The wallet featured unified onboarding for individuals and merchants, a modular transfer system covering CCI, ACH, QR, and P2P flows, and a prepaid card interface with freeze, PIN view, and replacement options. Accessibility was built into every screen using WCAG 2.1 AA-compliant tokens. At the heart of the onboarding experience was a cheerful cartoon character, paired with a clear progress bar — both designed to reduce anxiety, improve flow clarity, and make the product feel more personal and approachable.
The new platform positioned PaySpot as a wallet enabler rather than just another payment provider.
Launching in Q2 2025 in the U.S., with EEA and LATAM markets to follow
25% reduction in onboarding steps compared to legacy systems
Significantly higher (72.4%) completion rates thanks to the cartoon character and progress bar in the onboarding flow
Described by stakeholders as “the foundation of our future wallet ecosystem”
Elevated the company’s UX maturity by proving that emotionally intelligent design systems can scale across regions, partners, and regulatory environments
