Designing a Scalable Fintech Ecosystem: Kastelo Wallet & Rewards

Fintech

Wallet

Rewards

App

Design Systems

Designing a Scalable Fintech Ecosystem: Kastelo Wallet & Rewards

Fintech

Wallet

Rewards

App

Design Systems

Overview

At Kastelo, a fintech focused on accessible digital financial services, the work centred on leading UX and UI design for the core mobile app. The product enables users to manage and grow their money in a single secure wallet, with responsibility spanning experience strategy, product vision, and end-to-end execution.

Year: 2025-2026

Company: Kastelo

Role: Lead UX/UI Designer

Industry: Fintech

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Kastelo app

Kastelo app

Kastelo app

At the time, the app had no structured design system beyond a basic style guide and unclear information architecture. The work focused on key areas such as onboarding, rewards, and wallet flows, introducing structure through reusable patterns and a more consistent design language while improving navigation and simplifying the overall experience.

At the time, the app had no structured design system beyond a basic style guide and unclear information architecture. The work focused on key areas such as onboarding, rewards, and wallet flows, introducing structure through reusable patterns and a more consistent design language while improving navigation and simplifying the overall experience.

At the time, the app had no structured design system beyond a basic style guide and unclear information architecture. The work focused on key areas such as onboarding, rewards, and wallet flows, introducing structure through reusable patterns and a more consistent design language while improving navigation and simplifying the overall experience.

Key contributions

Key contributions

Led discovery and experience strategy to define a clear user-centred direction, designed the core app architecture, dashboard, and key financial workflows to improve clarity and trust, established a scalable design system with reusable components and consistent interaction patterns, and collaborated closely with product and engineering to align delivery with business and user needs.

Led discovery and experience strategy to define a clear user-centred direction, designed the core app architecture, dashboard, and key financial workflows to improve clarity and trust, established a scalable design system with reusable components and consistent interaction patterns, and collaborated closely with product and engineering to align delivery with business and user needs.

Led discovery and experience strategy to define a clear user-centred direction, designed the core app architecture, dashboard, and key financial workflows to improve clarity and trust, established a scalable design system with reusable components and consistent interaction patterns, and collaborated closely with product and engineering to align delivery with business and user needs.

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Design Challenges

The design challenges focused on improving clarity, reducing compliance friction, and increasing engagement within complex financial journeys.

Creating a homepage that clearly orients users and drives meaningful action

Insight
First-time users often land on a wallet homepage unsure of what to do next, increasing cognitive load and reducing engagement.
Solution
We designed an action-led homepage that surfaces core features, highlights key or time-sensitive actions, and supports easy exploration. It functions as a clear command centre, reducing uncertainty and improving task completion.

Simplifying onboarding and document signing for a tax-free savings account

Insight
Compliance-heavy journeys increase friction through multiple steps, legal content, and decision fatigue, leading to drop-offs.
Solution
We created a structured onboarding flow using progressive disclosure, clear step-by-step progression, simplified legal content, and streamlined high-friction actions like fund selection and document signing.

Encouraging sustained engagement through behavioural reward mechanisms

Insight
Reward systems are most effective when they create progression, status, and visible achievement rather than isolated incentives.
Solution
We introduced a challenge-based rewards model with task-based progression, unlockable benefits, and collectible badges to drive habit formation, engagement, and long-term loyalty.
Mobile patterns were designed to guide users clearly while allowing access to additional information when needed
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Design Features

Key features of the Reimagine project

Send, exchange & Receive Money
A friend needs cash. Someone owes you for dinner. Move money instantly with Kastelo Pay.
Pay Seamlessly With
Zapper
Kastelo Pay connects with Zapper at more than 30,000 stores nationwide. Scan. Tap. Paid.
GIGS network and rewards
Kastelo GIGS offers, no-contract,, and non-expiring data for R30 per GB. In addition, you can earn rewards for everyday tasks and build up personalised badges.
Investments
Integrated products such as stocks and Sygnia Tax-Free Savings account allow you to grow your money with the Kastelo ecosystem.

Standardised mobile interactions, such as the fixed action buttons at the bottom of the mobile screen, address usability and responsive design challenges while creating a predictable, ergonomic experience for users

Design system

A scalable design system was introduced to replace a basic style guide. Foundational components, patterns, and interaction principles were defined, with design variables standardising colour, spacing, and typography to ensure consistency and flexibility across the app.

Establishing a structured component framework
A modular card system was established as the core UI building block. Built with Auto Layout and clear rules for spacing, hierarchy, and responsive behaviour, it created a consistent yet flexible structure across financial use cases.
Standardising visual Language
Design tokens were introduced to align colour, typography, and spacing across components. A subtle background layer improved hierarchy and visual separation, reducing noise and increasing clarity.
Defining usage patterns & behaviour
Repetitive UI patterns were identified and consolidated into clear usage rules. This reduced duplication, clarified when components should be used, and ensured the system supported cleaner, more intentional flows.
Mobile-first interaction standards
Key mobile interactions were standardised, including fixed bottom actions and improved thumb-reach ergonomics. This made primary actions consistently accessible and improved task completion across flows.

Artefacts

Artefacts

Artefacts

Design system

Design system

Design system

Design system components were created to support various states and align with mobile app patterns.

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Components

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Components

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Variable tokens

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Style guide

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Journeys and flows

Defining user flow logic through flows, wireframes, and higher-level journey mapping.

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Ilustration and motion development

Testing journeys with users to refine and improve workflows.

Work with a

Lead UX/Product Designer

9:41

What Are My Strengths?

Strategic insights. Scalable solutions

Empathy-led design, delighted users, happy business

Copyright © 2025 Ideaflow Studio. All rights reserved.

Work with a

Lead UX/Product Designer

9:41

What Are My Strengths?

Strategic insights. Scalable solutions

Empathy-led design, delighted users, happy business

Copyright © 2025 Ideaflow Studio. All rights reserved.