Overnight and Time Deposit
Blanc · 2021
Overview
Blanc is a digital bank for entrepreneurs. To attract higher customer balances, the team set out to create a new passive-income product that would let users earn interest automatically on idle funds. The goal was to integrate this capability into the existing “Streams” framework, a system of virtual accounts designed for flexible money management.
I led the design of Overnight, a feature that transforms unused balances into active earnings with zero manual effort, helping entrepreneurs grow their capital while maintaining instant access to liquidity.
Overview
Blanc is a digital bank for entrepreneurs. To attract higher customer balances, the team set out to create a new passive-income product that would let users earn interest automatically on idle funds. The goal was to integrate this capability into the existing “Streams” framework, a system of virtual accounts designed for flexible money management.
I led the design of Overnight, a feature that transforms unused balances into active earnings with zero manual effort, helping entrepreneurs grow their capital while maintaining instant access to liquidity.
Overview
Blanc is a digital bank for entrepreneurs. To attract higher customer balances, the team set out to create a new passive-income product that would let users earn interest automatically on idle funds. The goal was to integrate this capability into the existing “Streams” framework, a system of virtual accounts designed for flexible money management.
I led the design of Overnight, a feature that transforms unused balances into active earnings with zero manual effort, helping entrepreneurs grow their capital while maintaining instant access to liquidity.
Impact
As a result, we saw a 10x increase in customer account balances within a week.
Impact
As a result, we saw a 10x increase in customer account balances within a week.
Impact
As a result, we saw a 10x increase in customer account balances within a week.
Role
Product Designer
Role
Product Designer
Role
Product Designer
Responsibilities
User Research
UI Design & Prototyping
Iteration & Testing
Responsibilities
User Research
UI Design & Prototyping
Iteration & Testing
Responsibilities
User Research
UI Design & Prototyping
Iteration & Testing
Problem
The bank was behind competitors in offering passive income opportunities for customers. There was urgency to create a product that would allow users to earn interest overnight on balances in their accounts. Additionally, the challenge was to integrate this new product into the existing “Streams” feature, where users could create virtual accounts (e.g., a “dream piggy bank”) and manage them easily.
Problem
The bank was behind competitors in offering passive income opportunities for customers. There was urgency to create a product that would allow users to earn interest overnight on balances in their accounts. Additionally, the challenge was to integrate this new product into the existing “Streams” feature, where users could create virtual accounts (e.g., a “dream piggy bank”) and manage them easily.
Problem
The bank was behind competitors in offering passive income opportunities for customers. There was urgency to create a product that would allow users to earn interest overnight on balances in their accounts. Additionally, the challenge was to integrate this new product into the existing “Streams” feature, where users could create virtual accounts (e.g., a “dream piggy bank”) and manage them easily.
Product statement
The solution was to build an overnight deposit product within the “Streams” framework, allowing users to automatically transfer account balances to earn interest. The new stream—called “Deposit”—replaced the default “Saving” flow, creating a seamless experience where users could both save and earn.
Product statement
The solution was to build an overnight deposit product within the “Streams” framework, allowing users to automatically transfer account balances to earn interest. The new stream—called “Deposit”—replaced the default “Saving” flow, creating a seamless experience where users could both save and earn.
Product statement
The solution was to build an overnight deposit product within the “Streams” framework, allowing users to automatically transfer account balances to earn interest. The new stream—called “Deposit”—replaced the default “Saving” flow, creating a seamless experience where users could both save and earn.
High-level metrics
The key metric for success was increasing Customer Account Balances.
High-level metrics
The key metric for success was increasing Customer Account Balances.
High-level metrics
The key metric for success was increasing Customer Account Balances.
Hypotheses
Clients will transfer their balances to our bank if they can passively earn interest.
Users will engage with the Overnight feature continuously if it’s automated based on set conditions.
Hypotheses
Clients will transfer their balances to our bank if they can passively earn interest.
Users will engage with the Overnight feature continuously if it’s automated based on set conditions.
Hypotheses
Clients will transfer their balances to our bank if they can passively earn interest.
Users will engage with the Overnight feature continuously if it’s automated based on set conditions.
Interviews
To better understand the product’s potential, I conducted interviews with the product manager and engaged in ongoing discussions with the design team. This collaboration helped streamline the design process and eliminate blockers early on, ensuring a smooth design review phase.
Interviews
To better understand the product’s potential, I conducted interviews with the product manager and engaged in ongoing discussions with the design team. This collaboration helped streamline the design process and eliminate blockers early on, ensuring a smooth design review phase.
Interviews
To better understand the product’s potential, I conducted interviews with the product manager and engaged in ongoing discussions with the design team. This collaboration helped streamline the design process and eliminate blockers early on, ensuring a smooth design review phase.
Develop
Within the “Streams” framework, I designed a new stream called “Deposit,” which automatically triggered the Overnight feature. This feature would activate if a stream held more than 100,000 rubles by 17:00 Moscow time, sending the balance to the exchange to earn interest overnight. This process was visually communicated to the user through a status called “Money is placed.” Users could withdraw or deposit money again after the overnight process completed at 5:00 AM the following day.
Develop
Within the “Streams” framework, I designed a new stream called “Deposit,” which automatically triggered the Overnight feature. This feature would activate if a stream held more than 100,000 rubles by 17:00 Moscow time, sending the balance to the exchange to earn interest overnight. This process was visually communicated to the user through a status called “Money is placed.” Users could withdraw or deposit money again after the overnight process completed at 5:00 AM the following day.
Develop
Within the “Streams” framework, I designed a new stream called “Deposit,” which automatically triggered the Overnight feature. This feature would activate if a stream held more than 100,000 rubles by 17:00 Moscow time, sending the balance to the exchange to earn interest overnight. This process was visually communicated to the user through a status called “Money is placed.” Users could withdraw or deposit money again after the overnight process completed at 5:00 AM the following day.
Deposits
I added a new, customizable entity within the ‘Streams’ feature, allowing users to manage their Overnight deposits seamlessly.
Deposits
I added a new, customizable entity within the ‘Streams’ feature, allowing users to manage their Overnight deposits seamlessly.
Deposits
I added a new, customizable entity within the ‘Streams’ feature, allowing users to manage their Overnight deposits seamlessly.
Results
The Overnight and Time Deposit features launched seamlessly, with no major blockers during development. Within just a week, customer account balances increased 10×, confirming strong market demand for a product that helps entrepreneurs make their money work automatically. Beyond the metrics, engagement data showed users returning daily to track earnings.
Designing this feature taught me how clarity and transparency can transform complex financial systems into intuitive experiences. Every interaction was crafted to balance control with simplicity.
This project reinforced a principle I carry into all my work: technology should act as a quiet enabler, helping users make smarter decisions without adding cognitive load.
Results
The Overnight and Time Deposit features launched seamlessly, with no major blockers during development. Within just a week, customer account balances increased 10×, confirming strong market demand for a product that helps entrepreneurs make their money work automatically. Beyond the metrics, engagement data showed users returning daily to track earnings.
Designing this feature taught me how clarity and transparency can transform complex financial systems into intuitive experiences. Every interaction was crafted to balance control with simplicity.
This project reinforced a principle I carry into all my work: technology should act as a quiet enabler, helping users make smarter decisions without adding cognitive load.
Results
The Overnight and Time Deposit features launched seamlessly, with no major blockers during development. Within just a week, customer account balances increased 10×, confirming strong market demand for a product that helps entrepreneurs make their money work automatically. Beyond the metrics, engagement data showed users returning daily to track earnings.
Designing this feature taught me how clarity and transparency can transform complex financial systems into intuitive experiences. Every interaction was crafted to balance control with simplicity.
This project reinforced a principle I carry into all my work: technology should act as a quiet enabler, helping users make smarter decisions without adding cognitive load.
