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X (formerly Twitter)
X pay for the win
UX Research
UX Design
Strategy
X PAY · BETA
Product design · UX research · Strategy
Money, as social as
everything else on X. No gimmicks.
everything else on X. No gimmicks.
Financial tools should move at the speed of the communities they serve. X Pay brings payments into the places people already talk, with every fee, rate and person visible up front.
01
In your chats
Pay, request and split right inside DMs and group threads, with memos and media attached.
02
Across borders
Near-instant global transfers with the conversion rate shown before you send.
03
For creators
Tips, charity matches and custom payment links for freelancers and small businesses.
Best viewed on desktop
THE PLATFORM
Ten features.
One wallet in your feed.
One wallet in your feed.
01 / 10
Smart account aggregation
Link and sync accounts automatically with AI-powered identity verification. No manual setup.
SEND FLOW
9:41
Total balance
$5,000.00
Checking ••7550
Available to send
$200.00
Send
Receive
Recent
S
Sam Ronan
Today · 12:30
+$100.00
J
John Ryan
Today · 12:34
+$200.00
L
Lena Ortiz
Today · 12:38
−$88.00
A
Ade Bello
Today · 12:42
+$100.00
Enter amount
$100
+ Add note
Send from▾
Checking
•••• 0124
Balance
$5,000
Proceed to pay
1
2
3
4
5
6
7
8
9
0
⌫
Sending to Sam Ronan
$100
For food and gas
Send from
Checking
•••• 0124
Balance
$5,000
Savings
•••• 0458
Balance
$2,000
Transfer type
Instant
Standard
Scheduled
Fee$0.00 · arrives now
Proceed to pay
X Pay
Link and sync accounts with AI-powered identity checks, then share personal payment links for one-time or recurring payments. Built for freelancers and small businesses.
Instant setupPayment linksRecurring
01 — THE IDEA
You are the media.
Now money moves like a post.
Now money moves like a post.
On X, people already publish, react and build audiences in real time. Payments were the missing verb. X Pay set out to make sending money as natural as sending a reply: out in the open, between real people, with nothing hidden in the fine print.
01
Transparency
Every fee, rate and arrival time on screen before you tap send.
02
Trust
Know who you're paying: verified identity, mutual follows, shared history.
03
Ease
Pay where the conversation already is. Three taps, no app switch.
04
No gimmicks
No points, no confetti, no dark patterns. Just money that moves.
named X Money's first partner, January 2025
Instant
wallet funding and transfers via Visa Direct
40+
U.S. states where X Payments sought money-transmitter licenses
02Scenarios
Three moments. Real stakes.
I partnered with an agency team to pressure-test the idea against everyday customer scenarios, not features. We mapped what people do today, where it breaks, and what X could do that a bank app can't: put money right inside the relationship.
Who
Four friends, one dinner bill
The moment
Someone always fronts the bill, then chases everyone for days across three apps.
What breaks today
Leaving the chat to pay. Guessing handles. Awkward reminders.
What we designed for
Request, split and settle without leaving the conversation.
03Flows
Three flows, wireframed end to end.
Each scenario became a complete mobile flow, built on X's dark interface so it felt native from the first tap. A soft blue outline marks the one action that matters on every screen.
1The thread
Money lives in the composer, next to GIFs and photos. No app switch.
2Split
Equal split by default. Adjust anyone in one tap.
3Review
Who sees it, what it costs, when it lands. All before you tap.
4In the thread
The request is a message. Status updates live, in place.
5Pay it
Face ID, not a password. One glance and it's done.
6Settled
Closure, not confetti. Everyone can see it's done.
My real wireframes · amounts, names and rates are illustrative
04Notes on a napkin
An obsession, in pen.
My best ideas usually start on whatever paper is nearby. My thinking on X Pay was simple: if money moves as easily as a message, a lot of small, awkward moments go away. These are the napkins, notebook pages and receipts where the ideas kept going.
01 / 04
Moving money makes the world happy
Blue pen on a café napkin
These are authentic recreations of my original notes, sketches, and early concepts, developed during collaborative ideation and strategy sessions with the client.
05Measurable impact
Payments as a habit, not a hidden feature.
What the work was built to move, with targets set against industry benchmarks for the category.
+22%
Wallet setup completion
Identity and card steps broken into a short, guided flow with progress you can see.
3 taps
To send money
Pay someone straight from a profile or a conversation, where the intent already is.
2.4×
Repeat senders at 30 days
Requests, splits and receipts give people a reason to come back after the first payment.
North-star metric
New users making a second payment within 30 days
18%43%Target
In peer-to-peer payments, the second transaction is the strongest signal of a lasting habit.
BeforeLaunchTarget
06What it adds up to
Democratized money, designed for people, not platforms.
The flows share one rule: if it's about your money, you see it, you understand it and you're in control. That is what turns a feature into something people trust with their rent, their tips and their families.
01
Money in the conversation
Requests, splits and tips live as messages, so nobody leaves the moment to pay.
02
Radical clarity
Fees, rates and arrival times shown before every send, in plain numbers.
03
Trust you can see
Verified identity, mutual follows and history surface before money moves.
04
Friction that protects
Extra steps only appear when they keep someone safe, never to upsell.
Moving money
makes the world happy.
makes the world happy.
X Pay · concept and flows
Want to
see more?
Reach out and I’ll walk you through more of my work, including projects for Disney, Wolf & Shepherd, Franklin Templeton, Block One, and JPMorgan.
Reach out to view more of my portfolio work – including projects from Disney, Wolf & Shepherd, Franklin Templeton, Block One, and JPMorgan.
Current availability
We’re open for business and new collaborations.
Current availability
We’re open for business and new collaborations.
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