Reimagining how North Americans manage money by unifying fragmented financial tasks into a single super app experience.

Problem: Managing money in the US means jumping between countless apps for payments, budgeting, rewards, investing, and crypto. This costs time and leads to entropy.

Solution: Bolt unifies budgeting, crypto, investing, bill splitting, and rewards into one streamlined SuperApp, so users can handle their entire financial life in a single place.

1. Conception

The Bolt SuperApp was a zero-to-one initiative to expand Bolt’s B2B ecommerce expertise to the consumer world. North American users rely on a messy patchwork of apps, like Venmo for splitting, Apple Pay for checkout, Rocket Money for budgeting, Acorns for investing, Coinbase for crypto. Bolt’s goal was to consolidate these workflows into a single, unified financial experience.

While super apps thrive in Asia and Europe, the US market has never had an equivalent.

2. Research

Users were frustrated with how scattered their financial lives had become. Even simple tasks required jumping across multiple apps. Through early discovery and competitor evaluation, some core patterns became clear:

Fragmentation is the primary pain point. People regularly used 4–7 apps just to complete their routine financial requirements. This constant context switching increased friction and emotional fatigue.

Interviews revealed that users didn't just want a “feature-packed” app, but instead a central hub where everything works seamlessly and financial utilities flowed together logically. Consolidation, not complication.

Competitive Analysis

We studied successful global models (WeChat, Grab, Gojek, Wise, Revolut).

Key findings:

• In China, super apps account for nearly 90 percent of mobile activity.
• Wise gives 10M+ users a unified cross-currency hub.
• Super apps thrive by reducing switching, not by overwhelming users.

User Testing (Wireframes → High-Fi)

We built Figma prototypes and ran guided sessions on Google Meet where users walked through flows and narrated their actions. Card sorting was also used to identify how they naturally group financial tasks or prioritize certain actions.

Key takeaways:

• People instinctively group payments, budgets, rewards, and balances together.
• Clear navigation mattered more than clever interactions.
• Users felt the unified structure “made finances feel calmer and more manageable.”

3. Creation

Approach

Our workflow on new features progressed from synthesis → sketches → wireframes → high-fidelity prototypes. Rather than exploring endless directions, we validated the fundamental structure early so we could invest time in clarity, hierarchy, and trust.

Solution highlights

Crypto
More simplified and action oriented way to buy, sell, deposit, and convert crypto. The goal here was to make a sometimes intimidating asset into an as tangible and intuitive experience as possible.

In our competitive analysis, we found that many apps require users to traverse all different sections of an app to complete different tasks. Some have great interfaces for certain actions, but we wanted to make one cohesive section of the app for all a users needs.

Rewards
The Rewards section of Bolt is a single hub for users to choose, monitor, and maximize their finance spending cashback and more. Many payment providers give users rewards, but they are often difficult to set up and monitor. We wanted this process to be as simple and explicit as possible while still making it fun and easy to follow.

AI Shopping Assistant
AI is disrupting endless amounts of sub industries and utilities. One of these is ecommerce. The idea of having separate stores and marketplaces may be soon a thing of the past, as agentic AI agents are now able to act as shopping assistants, hunting across hundreds of stores and thousands of products to bring you the best deals. This in-app experience turns a simple chat interface into a rich dynamic universal shopping experience.

Integrated Finance Analytics & Budgeting
User's spending habits are only as good as their ability to monitor them. Much of our bad budgeting and spending comes from the inability for us to see all of our finances through a single-pane-of-glass. Bolt's finance tools let users both analyze their pooled internal and external accounts through macro and micro lenses.

4. Systems

Component Library Upgrade

When I joined, the MVP library was fragmented. I refactored it using Atomic Design principles and tokenization, creating a system of atoms, molecules, and organisms that scaled cleanly across modules. This reduced duplicated components and aligned spacing, naming, and token structure to make life more efficient for both designers and engineers.

Motion & Rive Integration

To reinforce clarity and add depth, I wanted to bring dynamic UI elements into the Bolt experience. I learned Rive and built lightweight vector animations for progress states, confirmations, rewards, and more.

• Ultra-lightweight (lighter than Lottie files)

• Programmatic motion for interactive state changes

• Very friendly and well documented for easy engineer implementation

5. Delivery & collaboration

Improving the handoff process also became a major win. I introduced Figma’s “Ready for Dev” workflow to PMs and engineers, bringing version control, annotations, and cleaner documentation into the organization.

This created:

• Reduced friction during handoff

• Increased velocity / faster shipping

• Unity across teams

• Clear improvement tracking for design changes / evolution

6. Results

The Bolt SuperApp is actively rolling out to Bolt’s 80M+ shopper network, equipped with a foundation that can expand into credit, insurance, travel, and future AI-powered financial services.