01Problem
Cross-border banking hides its fees, holds transfers for days and treats the sender like a suspect.
- Goal 01Show the exact cost before confirmation.
- Goal 02Explain every financial term in plain language.
| Dimension | Typical bank | Velocity |
|---|---|---|
| Speed | 1-3 business days | Under 10 seconds (SEPA Instant) |
| Cost | 1-3% in hidden fees | 0.18-0.25%, shown upfront |
02What was built
- 01
SEPA Instant speed
Money arrives in seconds through SEPA Instant, instead of after 1-3 business days.
- 02
Fees before confirm
The exact cost is on screen before the confirm button.
- 03
Plain-language finance
Fees and terms are written in plain words, with nothing left to the fine print.
03Process
- 01
Trust research
Fee clarity framed as the main trust driver for people who send money across borders.
- 02
Honest structure
Compliance checks are explained as protection for the sender, in plain language.
- 03
Precision design
White space lowers the load of a money decision, and every element on screen has a job.
- 04
Fast prototype
Built as a working prototype in 48 hours.
04Principles
No dark patterns
Cancelling is as easy as sending, and nothing is pre-ticked or rushed.
Plain language
Every fee, rate and term is explained before the sender commits.
Explainable AI
Every recommendation designed to carry its own "why?".
05Lesson
Financial products often hide behind complexity. Velocity argues that clarity and white space can turn a transaction into something people trust.
Open the prototype (opens the prototype)