Designing real-time money movement

Redesigned Found's bank transfer experience to introduce RTP as a new instant payment rail

ROLE

Product Designer

Credits

Found

CONTRIBUTION

Product Design, Interaction Design, Prototyping, Content Design

OVERVIEW

Faster money movement had been a long-standing goal for Found. Found needed to move beyond Standard ACH to offer faster, more competitive transfer options. I took ownership of the external transfer flow end-to-end introducing Same Day ACH and RTP, from defining requirements to shipping across mobile and desktop.

THE CHALLENGE

Customers universally want to transfer funds quickly, to any destination, at low cost. Standard ACH alone wasn't cutting it for high value customers who needed faster payments. The business case was clear. The design challenge was harder. Introducing multiple transfer speeds created significant complexity — every user arrives at the transfer flow in a different state — different account types, limits, timing, and eligibility. The challenge wasn't just adding options. It was making the right option feel obvious for every user, without creating confusion or distrust.

SOLUTION

One flow to rule them all

The legacy design forced users to choose transfer type before entering an amount — putting a routing decision at the very start of the flow. The fix was simple but strategic: lead with the amount. Users naturally want to enter a number — that's the task. Once they've committed, choosing a speed feels like a natural next step, not a banking decision. This also made it possible to consolidate Same Day ACH and RTP into a single unified flow, rather than maintaining separate paths for each transfer type.

Making complexity invisible

Faster transfers sound simple to add. The design work wasn't. I explored how to present pricing and crafted microcopy for every timing state — ensuring the language felt clear and consistent throughout the flow. The transfer flow had to work for every user, regardless of their account type, limits, or timing. The goal wasn't just to handle edge cases — it was to keep every user moving toward a faster transfer without losing the business opportunity to convert them.

A fast follow that built trust

We launched with Instant pre-selected — a deliberate decision to drive fee revenue. It made business sense. But through monitoring user sessions and CX feedback after launch, a pattern emerged: users were completing transfers without fully registering they'd opted into a paid speed. Good design isn't just about optimizing for revenue — it's about making sure users are informed and in control of their own decisions. I put together alternative approaches, each with different tradeoffs around friction and flow, and prototyped them to make the options tangible. We aligned and shipped: users now actively select their transfer speed. Users who wanted the faster option still chose it. The only thing that changed was that they chose it on purpose.

OUTCOME

1%

1%

of instant transfer mix

$0M

$0M

lifetime volume

$0K+

$0K+

fee revenue

The results validated every decision made along the way. Within two months, the flow drove $6M in lifetime volume and over $100K in fee revenue — with RTP capturing 37% of instant transfer mix within weeks of launch, up from 0%.

Designing real-time money movement

Redesigned Found's bank transfer experience to introduce RTP as a new instant payment rail

ROLE

Product Designer

Credits

Found

CONTRIBUTION

Product Design, Interaction Design, Prototyping, Content Design

OVERVIEW

Faster money movement had been a long-standing goal for Found. Found needed to move beyond Standard ACH to offer faster, more competitive transfer options. I took ownership of the external transfer flow end-to-end introducing Same Day ACH and RTP, from defining requirements to shipping across mobile and desktop.

THE CHALLENGE

Customers universally want to transfer funds quickly, to any destination, at low cost. Standard ACH alone wasn't cutting it for high value customers who needed faster payments. The business case was clear. The design challenge was harder. Introducing multiple transfer speeds created significant complexity — every user arrives at the transfer flow in a different state — different account types, limits, timing, and eligibility. The challenge wasn't just adding options. It was making the right option feel obvious for every user, without creating confusion or distrust.

SOLUTION

One flow to rule them all

The legacy design forced users to choose transfer type before entering an amount — putting a routing decision at the very start of the flow. The fix was simple but strategic: lead with the amount. Users naturally want to enter a number — that's the task. Once they've committed, choosing a speed feels like a natural next step, not a banking decision. This also made it possible to consolidate Same Day ACH and RTP into a single unified flow, rather than maintaining separate paths for each transfer type.

Making complexity invisible

Faster transfers sound simple to add. The design work wasn't. I explored how to present pricing and crafted microcopy for every timing state — ensuring the language felt clear and consistent throughout the flow. The transfer flow had to work for every user, regardless of their account type, limits, or timing. The goal wasn't just to handle edge cases — it was to keep every user moving toward a faster transfer without losing the business opportunity to convert them.

A fast follow that built trust

We launched with Instant pre-selected — a deliberate decision to drive fee revenue. It made business sense. But through monitoring user sessions and CX feedback after launch, a pattern emerged: users were completing transfers without fully registering they'd opted into a paid speed. Good design isn't just about optimizing for revenue — it's about making sure users are informed and in control of their own decisions. I put together alternative approaches, each with different tradeoffs around friction and flow, and prototyped them to make the options tangible. We aligned and shipped: users now actively select their transfer speed. Users who wanted the faster option still chose it. The only thing that changed was that they chose it on purpose.

OUTCOME

1%

1%

of instant transfer mix

$0M

$0M

lifetime volume

$0K+

$0K+

fee revenue

The results validated every decision made along the way. Within two months, the flow drove $6M in lifetime volume and over $100K in fee revenue — with RTP capturing 37% of instant transfer mix within weeks of launch, up from 0%.

Designing real-time money movement

Redesigned Found's bank transfer experience to introduce RTP as a new instant payment rail

ROLE

Product Designer

Credits

Found

CONTRIBUTION

Product Design, Interaction Design, Prototyping, Content Design

OVERVIEW

Faster money movement had been a long-standing goal for Found. Found needed to move beyond Standard ACH to offer faster, more competitive transfer options. I took ownership of the external transfer flow end-to-end introducing Same Day ACH and RTP, from defining requirements to shipping across mobile and desktop.

THE CHALLENGE

Customers universally want to transfer funds quickly, to any destination, at low cost. Standard ACH alone wasn't cutting it for high value customers who needed faster payments. The business case was clear. The design challenge was harder. Introducing multiple transfer speeds created significant complexity — every user arrives at the transfer flow in a different state — different account types, limits, timing, and eligibility. The challenge wasn't just adding options. It was making the right option feel obvious for every user, without creating confusion or distrust.

SOLUTION

One flow to rule them all

The legacy design forced users to choose transfer type before entering an amount — putting a routing decision at the very start of the flow. The fix was simple but strategic: lead with the amount. Users naturally want to enter a number — that's the task. Once they've committed, choosing a speed feels like a natural next step, not a banking decision. This also made it possible to consolidate Same Day ACH and RTP into a single unified flow, rather than maintaining separate paths for each transfer type.

Making complexity invisible

Faster transfers sound simple to add. The design work wasn't. I explored how to present pricing and crafted microcopy for every timing state — ensuring the language felt clear and consistent throughout the flow. The transfer flow had to work for every user, regardless of their account type, limits, or timing. The goal wasn't just to handle edge cases — it was to keep every user moving toward a faster transfer without losing the business opportunity to convert them.

A fast follow that built trust

We launched with Instant pre-selected — a deliberate decision to drive fee revenue. It made business sense. But through monitoring user sessions and CX feedback after launch, a pattern emerged: users were completing transfers without fully registering they'd opted into a paid speed. Good design isn't just about optimizing for revenue — it's about making sure users are informed and in control of their own decisions. I put together alternative approaches, each with different tradeoffs around friction and flow, and prototyped them to make the options tangible. We aligned and shipped: users now actively select their transfer speed. Users who wanted the faster option still chose it. The only thing that changed was that they chose it on purpose.

OUTCOME

1%

1%

of instant transfer mix

$0M

$0M

lifetime volume

$0K+

$0K+

fee revenue

The results validated every decision made along the way. Within two months, the flow drove $6M in lifetime volume and over $100K in fee revenue — with RTP capturing 37% of instant transfer mix within weeks of launch, up from 0%.