At a glance
Cross-border money is slow and opaque, and crypto rarely connects to a real bank account.
Freelance product designer for a year, from account creation to daily use.
One account where fiat and crypto look and behave the same, from first deposit to payout.
3
Core money movements designed end-to-end: Pay, Receive, Transfer
60+
Payout currencies supported, from HKD and PHP to JPY and KRW
T+1
KYC turnaround target built into the verification flow
Two systems of trust, one interface
Freelancers, remote workers and crypto holders choose between slow bank wires, fiat-only remittance apps or exchanges that can't reach a bank. PayMight had to satisfy banking compliance and blockchain transparency at the same time.
The interface is the only place the two trust systems actually meet
The second challenge was legibility. An off-ramp has a rate, a network, a settlement window and a fee stack. If any of them is unclear, people stop before they confirm.
Compliance and blockchain transparency solve the same problem from opposite directions: proving a transaction is safe. My job was making sure the interface didn't argue with itself.
Three users, one account trusted with real money
The Cross-Border Earner
"I did the work. I need the money in my local bank, and I need to know what I'll receive after fees."
The Asset Holder
"This is worth something now. I want it in my bank account without three extra apps in between."
The Idle-Balance Holder
"I'm not trading. I just don't want this doing nothing."
Three decisions that shaped the product
Ask only for what the next step needs
Identity details are collected progressively, tied to the rail the user is about to use, not as one long form up front.
One account, not two
Balances, history and status share one visual language, whether the money moves by SWIFT or on-chain.
Show the full cost before confirm
Rate, fees and what arrives are always visible before the user commits real money.
Verification that doesn't feel like an interrogation
KYC is staged by threshold, progress is always visible, and the T+1 turnaround is stated up front.
User flows
Pay, Receive and Transfer share one foundation. These are the three journeys that matter most.
Get paid from abroad
Goal: receive a client payment in a local bank
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Open a MiBank account
USD, EUR or GBP; the name-match rule is shown before choosing
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Verify, just enough
Staged KYC with a stated T+1 turnaround
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Share how to pay
A payment link, QR code or virtual account number
-
Funds settle
Into the currency the user chose
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Pay out
To a same-name bank in 60+ currencies, with the total after fees shown first
Result: an overseas payment feels like a local transfer, with no surprise rejection at the end.
Move crypto into a bank account
Goal: spend crypto in everyday life
-
Choose the asset
BTC, ETH, USDT and two more supported assets
-
See the full cost
Rate, network, fees and settlement window, before confirming
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Confirm once
One transaction, not an exchange plus a bank wire
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Track one status
The on-chain and bank steps read as the same event
Result: rent, tuition or family remittances paid from crypto without cashing out on an exchange first.
Put idle crypto to work with MiEarn
Goal: earn yield without trading
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Pick an asset
BTC, ETH or USDT
-
See term and yield
Real-time expected return, visible before committing
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Deposit
From the same balance used for payments
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Track accrual
A dashboard that reads like a receipt, not a trading chart
Result: a savings product on crypto rails, not a speculation tool.
What shipped over a year
MiBank Virtual Accounts
Named collection and payout accounts: USD/EUR/GBP in, 60+ currencies out
Pay / Receive / Transfer
One set of flows for fiat and digital assets: links, QR codes and direct transfers
MiEarn Dashboard
Yield on BTC, ETH and USDT with visible terms and live accrual
Off-Ramp Flow
Five supported assets to fiat, with rate and fees shown before confirming
Staged KYC Verification
Checks scoped to the next action, with a stated T+1 turnaround
Unified Balance UI
One visual system for bank and blockchain transactions