Kwikpit Wallet

Evolving a logistics wallet into an all-in-one Web3-powered fintech ecosystem for managing crypto and fiat assets.

Kwikpik Wallet is an all-in-one financial tool that lets users manage crypto and fiat assets, virtual debit cards, and make bill payments with ease giving a secure, intuitive, and flexible way to spend and move money.

Kwikpik a logistics platform reached out with a clear shift in direction. Over time, the Kwikpik team saw growing demand from their users who needed access to flexible, reliable financial tools for their logistics and how to utilize the left over in their old fun only fiat wallet. With that insight, they set out to rebuild their wallet as a core part of the app, not just a feature, but a full-fledged fintech solution.

Role

Product Designer

Client

Pegasus

Duration

4 weeks

Website

www.kwikpik.io/

Year

2025
1/6

Insights & Problems

Crypto and fiat remain siloed

Most users rely on multiple apps to manage their money one for crypto assets, another for fiat banking. Switching between platforms to fund wallets, convert currencies, or make everyday payments is slow, confusing, and inefficient.

Multi-currency management is limiting

Most virtual cards only support the currency they were funded with, forcing users to constantly convert between currencies. This leads to failed payments, hidden fees, and a fragmented experience.

Lack of visibility in global spending

Users often don’t know what currency a transaction was processed in or its real-time value in a ton of the wallets. They want transparency and control to better track and manage cross-border expenses.

Lack of  flexibility for users

People want a simple space that lets them move seamlessly between fiat and crypto, without dealing with multiple wallets, complex KYC requirements, rigid account structures or unclear transaction limits.
2/6

User Persona

About

Tobi runs a growing online retail business in Lagos, Nigeria. She regularly sends out customer orders using Kwikpik’s delivery services and manages payments, logistics, and subscriptions on her own.

Goals

  • Keep money in her Kwikpik wallet to quickly pay for deliveries without needing to top up each time.
  • Use one platform to manage all business expenses, logistics, utility bills, transfers to vendors and online subscriptions.
  • Track spending in one place to better manage cash flow and budgeting.

Needs

  • A reliable in-app wallet with balance tracking and instant payment capabilities.
  • Support for both local (NGN) and international (USD) transactions, including bill payments.
  • A virtual card for international purchases and online business tools.

Pain Point

  • No single place to monitor and manage all business-related payments.
  • Difficulty making international payments due to currency restrictions and unreliable card support.

About

David is a senior product designer at a U.S.-based Web3 startup and usually spends his time indoors. He receives his salary in USDC on the Ethereum (ERC-20) network through MetaMask.

Goals

  • Seamlessly convert his USDC salary to Naira without using risky P2P platforms.
  • Access a secure, all-in-one wallet that can receive crypto, convert to fiat, and allow direct spending.
  • Pay for global work tools like ChatGPT, Adobe, and MidJourney with his salary with ease.

Needs

  • A wallet that can receive USDC directly and support instant crypto-to-fiat conversion.
  • An integrated, secure on-ramp/off-ramp to avoid scams from P2P marketplaces.
  • A virtual USD card to handle subscriptions and international purchases directly from his wallet.

Pain Point

  • Fear from using P2P platforms like Bybit due to past scams.
  • Lack of a reliable method to convert crypto to Naira for local spend.
  • Inconvenient processes involving bank visits, currency exchanges, and third-party help just to fund a dollar card.
3/6

How Might We

In this phase all the ideas from research, to the CEO, PM, CTO and the marketing team are brought to the table in an in-house brainstorming session to get the best ideas out through some How Might We questions
4/6

Userflows

The flows were designed to map user pathways, identify key touchpoints, and guide the navigation structure, ensuring all necessary features and interactions were accounted for.
5/6

Designs Take Form

Wallet Overview & Card Switching

The main dashboard gives users a clear summary of their wallet holdings across fiat (NGN, USD, EUR) and crypto assets. It was important to present a cumulative total of your asset value and the ability to allows users to switch between their local (Naira) and foreign (e.g. USD, EUR) virtual cards separated with distinct visual features allowing users to quickly assess their available cards and also give users the ability to take immediate actions like send, receive, or convert.

Transaction History

Most users on other protocols fail to have a good record of all the activities carried out by them or by the protocol with their assets and this makes it difficult to track financial activities. Hence we provide a one-place view of all the activities carried out on the protocol by you or the protocol with your tokens. You see all the swap activities, the earnings from the pool and the vault, etc

This can also be used as a form of bank statement for those who plan to travel as most crypto holders find it difficult to provide one when requested as their funds are not easily accessible for track record purposes on the protocols they engage with

Simplified Asset Transfers

The send flow accommodates both fiat and crypto transfers, adapting based on the selected asset. For crypto, users can send via QR scan or address input. For fiat, transfers can be made to other users or external bank accounts and also transfer to recent transfers so its easy to send to not just beneficiaries . We also built in options to top up or convert if the selected asset balance is insufficient, reducing dead-ends in the flow.

Flexible Currency Conversion

We implemented a straightforward conversion experience that allows users to swap between currencies based on need. This reduces reliance on third-party services and makes it easier to prepare for upcoming expenses in a different currency. Conversions are tied directly to the wallet balance and reflected in real-time.

Transaction History

Most users on other protocols fail to have a good record of all the activities carried out by them or by the protocol with their assets and this makes it difficult to track financial activities. Hence we provide a one-place view of all the activities carried out on the protocol by you or the protocol with your tokens. You see all the swap activities, the earnings from the pool and the vault, etc

This can also be used as a form of bank statement for those who plan to travel as most crypto holders find it difficult to provide one when requested as their funds are not easily accessible for track record purposes on the protocols they engage with

Detailed and Searchable Transaction History

Each transaction—whether a card payment, crypto transfer, or bill payment—is recorded with clear metadata (amount, time, asset type, status). We designed filters for browsing by category and included a receipt view for each transaction. All activity can be exported as a formal bank statement, supporting real-world use cases like visa applications or proof of income.

Virtual Card Setup and Management

Users are issued a local card by default, but can easily create and manage a foreign card for global spending. We streamlined the KYC process to meet regulatory requirements without introducing unnecessary steps. Card details and limits are clearly displayed, with actions like freezing or topping up available in one tap.

Transaction History

Most users on other protocols fail to have a good record of all the activities carried out by them or by the protocol with their assets and this makes it difficult to track financial activities. Hence we provide a one-place view of all the activities carried out on the protocol by you or the protocol with your tokens. You see all the swap activities, the earnings from the pool and the vault, etc

This can also be used as a form of bank statement for those who plan to travel as most crypto holders find it difficult to provide one when requested as their funds are not easily accessible for track record purposes on the protocols they engage with

Utility and Bill Payment Integration

To support broader daily usage, we added the ability to pay for services such as electricity, water, TV subscriptions, school fees, and betting. These are integrated within a single view to make it easier to manage recurring or ad-hoc expenses without needing another app or wallet.

Multi-Network Deposit Support

Users can fund their wallet using fiat (via bank transfer) or crypto across multiple EVM-compatible networks. The flow automatically adjusts to guide users through the appropriate steps based on asset and network, reducing the risk of sending funds incorrectly.
6/6

What did I learn?

A simple overview of how users move through the platform—from onboarding to progression—highlighting key actions, decisions, and engagement points.

Ego is an enemy

I had perfect collaboration with the Kwikpik CEO and CTO built on trust and clarity of purpose. Decisions were made based on what moved the product forward—not and technical capabilities of the team and not on whose idea it was. This mindset created space for honest iteration and stronger outcomes.

MVP with room for scalable iteration triumps guessing

It was tempting to design for edge cases or imagine future use cases, but the priority was clear: ship a lean, usable version fast. Real insights only emerge once people started using the product—everything else was just assumptions.

Good Designs go beyond screens

My role extended far beyond wireframes and mockups. From shaping the product direction to advising on compliance, user onboarding, and international payment flows, I leaned into every aspect of the business that would make the product successful.

Feedback isn’t a phase, it’s a loop

We gathered feedback from in-app flows, user testing sessions, and even informal WhatsApp messages from support. These inputs guided everything—from simplifying onboarding to refining wallet actions like funding, converting, and spending.

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Fintech Solutions
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