A shared financial picture should still show whose money is whose.
Home, Accounts and transaction views establish the direction. Planning, Family and production readiness remain unfinished. No live bank connection is available.
01Mine→02Partner→03Joint→04Safe to Spend→05Commitments→06Goals
Problem
A shared financial picture should still show whose money is whose.
What was built
A mobile product baseline for Mine, Partner and Joint ownership, commitments and shared goals.
Result today
Home, Accounts and transaction views establish the direction. Planning, Family and production readiness remain unfinished. No live bank connection is available.
The decisions behind this build
01 / Starting point
Start with the household.
Couples need to discuss shared commitments while keeping individual ownership clear.
02 / The decision
Keep three views of ownership.
Mine, Partner and Joint shape the model from the start.
03 / What was built
Make the position easier to read.
The product brings balances, commitments, transactions and goals into a mobile interface with Soft and Midnight themes.
04 / Current state
Be clear about the stage.
This is a working product baseline with demonstration data, not a released banking service.
Explore the system and its modules
System X-ray
See the invisible work behind the experience.
01Product experienceSoft and Midnight mobile interfaceIN DEVELOPMENT02ApplicationHome, Accounts, Stream, Planning and FamilyIN DEVELOPMENT03ModelMine, Partner, Joint, commitments and goalsSYSTEM MAP04Data directionLocal-first privacy and household permissionsIN DEVELOPMENT05ConnectionsNo live banking provider is connectedIN DEVELOPMENT
03 / System + Explore
Follow the operating flow.
Select a node to change the proof stage. Open the detail drawer when you want the deeper technical explanation.
SYSTEM MAPOwnership
Mine, Partner and Joint
Individual and shared ownership remain visible in the household model.
What this changes
The design keeps ownership clear.
IN DEVELOPMENTSoft / Midnight
One household model. Two material responses.
Representative product data · no live bank connectionIN DEVELOPMENTProduct boundaryWorking and visualised screens remain distinct from planned capability. No live banking connection is implied.04 / Proof
Open the evidence that matters.
IN DEVELOPMENTHome
MoneyNest Home in Midnight
A current approved product reference; values shown are representative product data.
Technical evidence index
Read the implementation detail without opening a control.
SYSTEM MAPOwnershipMine, Partner and Joint
Individual and shared ownership remain visible in the household model. The design keeps ownership clear.
IN DEVELOPMENTHomeSee the household view
Bring the proposed Safe to Spend view, commitments and goals together. The screen explains the product direction using representative data.
IN DEVELOPMENTAccountsUnderstand ownership
Explore how assets and debts are grouped by owner. Individual and joint positions remain distinct.
IN DEVELOPMENTStreamFollow money movement
Transactions retain their sequence, type and ownership. The record stays readable.
IN DEVELOPMENTPlanningLook ahead
The planning direction connects upcoming commitments and goals. Implementation remains unfinished.
IN DEVELOPMENTFamilyDefine household access
Membership, permissions and ownership are part of the product direction. Family states remain unfinished.
05 / Result today
Home, Accounts and transaction views establish the direction. Planning, Family and production readiness remain unfinished. No live bank connection is available.
