Enfineo
A multi-currency wallet, fiat and crypto in one place, trying to answer a simple question badly served by most fintech apps: where, exactly, is my money, and is it safe?
- Role
- Lead Product Designer — UX Research, UX Design, UI Design, Product Strategy
- Team
- Ixperi — 1 other Product Designer, a Manager, software dev team
- Research
- 50+ interviews across 4 phases · 20+ design sprints · 2,500+ screens iterated in Figma
- Platform
- Mobile
- Status
- No longer active
The brief the client came with was clear: bring fiat (everyday money like the euro) and crypto together into one simpler place. What that should actually feel like was the open question, and it got answered the same way from start to finish, with research before opinion. Fifty-plus interviews, a competitive teardown, and repeated testing came first; the design followed the evidence, not the brief’s assumptions or anyone’s preference in the room.
That research turned up a real paradox: the product’s whole premise was to bring fiat and crypto into one place, but the people using it didn’t want them together at all. They wanted them kept apart, on purpose.
Across 50+ interviews, users prioritized security over innovation, sticking to trusted, familiar methods. Financial compartmentalization mattered specifically because it reduced perceived risk. Keeping money in labeled, separate places wasn’t a UI preference; it was a risk-management habit. On the crypto side, the assumption that people would want to spend crypto like everyday cash didn’t hold either. Most treated it as an investment, prioritized maximizing gains before ever cashing out, and trusted non-custodial wallets (where people hold their own keys) and established players (Binance, for instance) over new entrants.
Research surfaced five recurring segments, from loyal, tech-hesitant Traditionalists to multi-tool Modern Spenders and Financial Optimizers, to Crypto Newbies and deeply literate Tech Enthusiasts, spanning very different relationships to risk, tools, and crypto itself. A competitive analysis of 50+ fintech apps and crypto wallets, plus a running research repository in Dovetail, backed the pattern up beyond any one interview.
Three early concepts were tested, each drawing the line between a person’s assets a different way.
Users preferred keeping things apart. The real design problem was reconciling that preference against the product’s own reason for existing: a simpler, unified way to manage money. The direction that resolved it kept Banking, Crypto and Products distinct, but connected under one account.
Main Account & Pockets
Pockets were the resolution: separation preserved at the level users cared about (purpose, risk, mental accounting), unified at the level the product needed underneath. Four iterations moved from a tabbed Banking / Crypto / Products structure down to a single split, the one thing a visitor now has to understand:
Main Account for everything received. Pockets for everything set aside on purpose.
- 1st iteration
- Banking, Crypto, and Products competed as top-level tabs, with favorites, recent transactions, and a borrow-against-assets feature all fighting for the same space.
- 2nd iteration
- Pockets were introduced, but layered with extra separation: a Main pocket and a Spending pocket, still nested inside the old tab structure.
- 3rd iteration
- Tested and tightened: Main Account and Pockets started to read as the top-level model, with multi-currency holdings (EUR alongside MATIC, the token of the Polygon network) visible together.
- Final iteration
- Main Account and Pockets became the only two things a visitor needed to understand. Everything else (cards, swap, activity) hangs off one of those two nouns.
Three pocket types shipped: Spending (fiat or crypto for daily spend, linked to a card), Investment (crypto held separately, for tracking growth), and Savings (goal-based, automated, flexible withdrawal).
Enfineo’s own brand, the pink-to-purple gradient, stays as shipped. The team moved beyond the original brand palette deliberately, testing several directions before landing on this one.
30,000+ users joined the waitlist, with 3,000+ part of an engaged early community around the ENF token (Enfineo’s own token). Pockets specifically stood out to beta testers for the control it gave them over spending and saving.
The client wanted crypto-backed loans, using crypto as collateral, built alongside the core product, despite users not asking for it. A BNPL (buy now, pay later) flow was partially explored before the redirect. Through testing, competitive research, and direct conversation, the case was made to focus on core functionality instead: evidence over deference.
The process itself shifted three times (waterfall, then tailored design sprints, then tighter alignment with development sprints near MVP, the minimum viable product), and in hindsight, that sequencing was right, not a misstep. The first version needed to launch fast to keep the project financially viable, with a large team suited to waterfall’s clear roles. The process changed as the constraints did, including one, runway, that had nothing to do with design at all.
Pockets let people keep their money where their heads already kept it: apart, on purpose, and readable at a glance. Sometimes the most unifying thing a product can do is respect a separation.
