Redesigning Stable Money's fragmented passbook into a unified portfolio view that builds trust, keeps users informed, and drives organic cross-sell — without feeling like marketing.
Role
SENIOR PRODUCT DESIGNER;
END TO END OWNERSHIP of UX & UI interaction design & Strategy
Duration
1 month • DEC'25
THE PROBLEM
The structure was simple, one tab per investment category. It worked when there were two products. When Gold & Silver launched as the third, the cracks became impossible to ignore — and every future product launch would make it worse.
USER NEEDS
Why do people visit the passbook?
Five core jobs-to-be-done shaped the design north star.
📊 Check the status of my investments and returns
✅ Verify that a booking, maturity, or withdrawal went through
⚡ Take the next action on an existing investment
🔍 Revisit my portfolio to decide what to invest in next
Success Metrics
1
Sessions & PB visits/user
2
New category conversion
3
Overall transactions/user
4
Conversion & AUM on platform
Guardrail
AUM and conversion in existing categories must not drop. Cross-selling a new category at the cost of cannibalising existing behaviour is not a win. This guardrail shaped every cross-sell design decision.
Competitive Analysis
We benchmarked eight apps — Public, Plum, Acorns, Quicken, Kraken, Yahoo Finance, Plata, and Origin. Rather than cataloguing each app, here's what we actually walked away with: four design decisions, each shaped by something we saw.
Design Process
PHASE 1
What tone should this feel like?
I explored two directions in parallel — a gamified PRO model (progress rings, laurel wreaths, achievement tiers) vs. a transparency-first model (number-forward, information-dense, no theatre).
DECISION
Moved away from gamification. Stable Money's trust is built on clarity. A passbook that leads with achievement signals rather than real data would undermine the product's core promise — especially for users with mixed portfolio performance.
PHASE 2
Where does the overview live?
Two structural options: embed the overview as a section inside the existing passbook scroll, or give it a dedicated "Overview" tab alongside FDs, Bonds, Gold & Silver.
DECISION
Overview as a first-class top-level tab. It doesn't disrupt what existing users already know, it's self-updating as new products launch, and it signals clearly that this is a different kind of view — not just more scroll.
PHASE 3
How do the details behave?
With structure decided, iteration focused on: gains display logic for volatile assets, the animation system for networth, event card hierarchy, and how cross-sell nudges should read and feel.
DECISION
Every detail had a rule.
Gains show conditionally based on sign.
Animation runs once per session.
Events are chronological with one priority card.
Insights are grounded in real user data — never generic.
Key Decisions
Decision 1
Additive, not overhaul
Decision 2
Gains logic for volatile assets
Decision 3
What we deliberately left out
Decision 4
Zero state as a conversion surface
Cross-sell Philosophy
The hardest product design question on this project wasn't layout — it was philosophy. What does responsible cross-sell look like in a financial app?
❌ WHAT we rejected
"Bond NW = 0. Invest now to keep earning returns."
✅ WHAT WE BUILT
"You stopped earning ₹128 monthly since 2nd October since your bond matured. Explore more."
Every insight is grounded in a real number from the user's portfolio. We equip users with information to reach their own conclusion — and that approach also builds the trust that makes them act on it.
v1 shipped. v2 defined.
Defining what stays out of v1 is as important as defining what goes in. A tighter v1 with high confidence beats a bloated one with risk.
Planned for V2
→ Hide/unhide investment values toggle
→ Calendar view for all upcoming events (View All destination)
→ AI/ML-powered dynamic insight engine
→ Orange dot on section headings within Overview
→ Secured credit card passbook integration