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Monetta
Monetta, Building a Borderless Financial SuperApp
The Challenge
Access to global commerce and financial tools is still deeply unequal.
Access to global commerce and financial tools is still deeply unequal.
Can’t use international cards
Can’t pay or shop across borders
Can’t access global brands, digital services, or modern financial products
Can’t use international cards
Can’t pay or shop across borders
Can’t access global brands, digital services, or modern financial products
Most solutions solve one narrow problem (wallet, remittance, prepaid cards)
but break once users try to actually live with their money globally.
Most solutions solve one narrow problem (wallet, remittance, prepaid cards)
but break once users try to actually live with their money globally.
Monetta's Ambition
Not another wallet — a financial ecosystem that lets users earn, store, spend, and move money freely across borders.
Not another wallet — a financial ecosystem that lets users earn, store, spend, and move money freely across borders.
We led the redesign of our grocery store
e-commerce platform serving over 100,000 users, collaborating with a
A four-person cross-functional team to create a modern, intuitive user experience.
0→1 Product Designer
Problem Solver
UX/UI Design & Prototyping
Product Strategy
We led the redesign of our grocery store
e-commerce platform serving over 100,000 users, collaborating with a
A four-person cross-functional team to create a modern, intuitive user experience.
0→1 Product Designer
Problem Solver
UX/UI Design & Prototyping
Product Strategy
“What is the smallest product that proves people will trust us with their money — and actually use it?”
“What is the smallest product that proves people will trust us with their money — and actually use it?”
Carlos
Carlos
My Responsibility
As the first product designer, I worked directly with the CEO to:
As the first product designer, I worked directly with the CEO to:
Shape the product vision into an MVP
Define what not to build
Translate a complex financial ecosystem into simple, trustworthy user flows
Design systems that could scale into a SuperApp over time
Shape the product vision into an MVP
Define what not to build
Translate a complex financial ecosystem into simple, trustworthy user flows
Design systems that could scale into a SuperApp over time
Defining the MVP (The Hard Part)
Monetta had many possible features:
Multi-currency wallet
Token-based payment system
Global eCommerce access
Digital service top-ups
Debit card
Cross-border payments
Multi-currency wallet
Token-based payment system
Global eCommerce access
Digital service top-ups
Debit card
Cross-border payments
Key Product Decisions
Token-based payments are designed for understanding
Users see value, not technology. Tokens behave like currency, with clear and reversible conversion. No belief required—just reliability.Onboarding that builds confidence, not hype
Explained why Monetta exists, showed value early, and reduced fear around new financial systems.A SuperApp without complexity
Clear primary actions, progressive feature disclosure, and a structure that could expand without UX debt.
Token-based payments are designed for understanding
Users see value, not technology. Tokens behave like currency, with clear and reversible conversion. No belief required—just reliability.Onboarding that builds confidence, not hype
Explained why Monetta exists, showed value early, and reduced fear around new financial systems.A SuperApp without complexity
Clear primary actions, progressive feature disclosure, and a structure that could expand without UX debt.
Impact & Outcomes
Drove early retention through an onboarding strategy
Defined and led an onboarding approach focused on early value
and trust, resulting in a 25% increase in user retention throughpersonalised product discovery.
Drove early retention through an onboarding strategy
Defined and led an onboarding approach focused on early value
and trust, resulting in a 25% increase in user retention throughpersonalised product discovery.
Shaped the core wallet value proposition
Designed and evolved a multi-currency wallet experience
that enabled users to preserve value in USD, increasing
average wallet balances by 40%.
Shaped the core wallet value proposition
Designed and evolved a multi-currency wallet experience
that enabled users to preserve value in USD, increasing
average wallet balances by 40%.
Owned system-level ecosystem design
Led end-to-end design across Wallet, Shopping, and
Crypto integrations, establishing scalable patterns that
increased transaction frequency by 30%.
Owned system-level ecosystem design
Led end-to-end design across Wallet, Shopping, and
Crypto integrations, establishing scalable patterns that
increased transaction frequency by 30%.
Partnered with leadership on product strategy
Worked directly with the CEO to translate business goals
into product bets and execution, driving a
20% lift in user engagement post-launch.
Partnered with leadership on product strategy
Worked directly with the CEO to translate business goals
into product bets and execution, driving a
20% lift in user engagement post-launch.
