Payments: Bulk,
Maker-Checker,
Off-ramp
Designing trust into high-stakes financial workflows —
from bulk payments to off-ramp.
Overview
At Gnosis Business, I led the end-to-end design of the payments system used by CFOs and accountants across 200+ businesses. The product handles bulk payments, maker-checker approval flows, and crypto off-ramp — collectively powering $1B+ in GTV.
The Problem
Businesses managing treasury needed more than simple one-click payments. Their internal workflows required strict approval controls — no payment could go out without a second pair of eyes. At the same time, they needed to move fast, often paying dozens of recipients in a single batch.
The existing product had basic payment functionality but no structure for approvals, no bulk capability, and no audit trail. For finance teams, this was a blocker.
My Role
Sole lead designer. Owned the full design from flow mapping and wireframes through to shipped UI. Worked directly with the founding team and engineering to define scope and make product trade-offs.
The Challenge
The hardest problem was designing two payment paths that coexisted without confusing users.
Create draft → submit for review → checker approves → payment executes.
Create payment → pay directly, no approval needed.
Both paths needed to feel natural depending on the user's role and org setup.
Key Design Decisions
The Manage Drafts view as the control centre
Primary workspace showing all pending payments, status, assigned reviewers, and actions at a glance. Every finance team member could orient instantly — no digging, no ambiguity about what needed attention.
Inline context on every payment
Each draft carried tags, notes, account category, and file attachments so checkers could approve confidently without chasing the maker. Context lived with the payment, not in a separate email thread.
A clear send payment flow
The send payment screen showed recipient, amount, and a full confirmation summary before execution. No ambiguity at the moment of highest stakes — every detail visible and reviewable before the payment goes out.
Off-ramp payment summary panel
Clearly showed crypto in, fiat out, with all fees and rates visible before confirmation. No surprises at settlement — the rate, amount, and fee breakdown were locked and visible upfront.
Error states as a first-class design problem
Every error was specific and actionable, not generic. Errors that previously created support tickets became self-service moments.
Outcome
$1B+ in GTV across 200+ businesses. Large enterprise clients adopted the product specifically because the maker-checker flow matched their internal approval requirements. Finance teams reported the flow felt more secure and auditable.