Fold's card app put every balance one thumb away

Client: Fold
Industry: Fintech · Cards
Services: Product design, Design system, Motion
Year: 2024
Timeline: 10 weeks

About project

Fold issues credit cards to freelancers. The app had grown around the card rather than the person: three taps to see a limit, five to pay a bill, and a light theme nobody used at night. Visuolab reorganised the product around the questions people actually open it to answer.

37%more bills paid on time

4.7App Store rating, up from 3.8

10weeks from kickoff to hand-off

How it went

Four phases, one team throughout

Step #1
Discovery
2 weeks
Interviews with freelancers, support-ticket analysis and a task-flow audit of the existing app.
- Home, cards & paymentsiOS · Android
- Design system36 components
Step #2
Design
5 weeks
Home, cards, transactions and payments; dark and light themes side by side.
- Dark & light themesOne token set
- Motion guidelinesLottie
Step #3
System
2 weeks
Component library and motion rules; tokens shipped to the mobile teams.
- Figma libraryDocs
Step #4
Hand-off
1 week
Docs, QA and pairing with the iOS and Android engineers.
- Hand-off & QA1 week

Challenges

What we had to solve

01
Built around the card, not the person
The app answered the card’s questions, not the freelancer’s.
02
Too many taps
Three taps to see a limit and five to pay a bill.
03
A light theme for night owls
Freelancers check their money late, and a light theme nobody used at night didn’t suit them.

What changed

Results

37% more bills paid on time
4.7 App Store rating, up from 3.8
10 weeks from kickoff to hand-off
What's due and what's left on every home screen — nothing else competes.
Both themes from one token set, so neither feels like an afterthought.
Every payment and limit change animates, so nobody wonders whether it went through.