A BTC-backed line of credit built for trust in a low-trust market

PayPlan: a configurable lending platform built for scale

An 80+ screen product across three interfaces: a mobile-first borrower portal, an admin servicing portal, and a custom application flow for crypto lending in South America.

Client

Business Warrior

Role

Founding Product Designer

Timeline

MVP in under 6 months

Tools

Figma · Framer

cover_image

First image of the borrower portal.

Overview

A BTC-backed line of credit taken from zero to a live MVP: borrower portal, admin servicing portal, and a custom application flow, all built on an extended version of the PayPlan design system.

What I owned

Founding product designer on a 0→1 build. UX, UI, and interaction across all three interfaces, bridging engineering and compliance, in collaboration with the developers and the business founder.

Live MVP in under 6 months, and a new crypto lending market opened for Business Warrior.

80+

Screens designed

3

Interfaces: borrower, admin, application

<6mo

Concept to live MVP

01 — Background & Problem

No product, and no trust to build on

For the lender, starting from scratch with no product yet. The PayPlan design system had never produced anything for BTC, and there were no automated triggers for client communications.

Both sides were operating without a foundation: the lender had no product or automated communication system, and customers lacked confidence in emerging crypto lenders. The result was a fragile, trust-poor lending environment with no clear visibility or reliability.

problem_image

A simplified view of the product, trust, and communication gap.

02 — Goals

What the product had to do

1.

Design the custom application flow, customer portal, and admin portal.

2.

Build an intuitive, trustworthy flow for customers to apply through.

3.

Connect the admin and customer experiences through shared data.

The Work

Final designs

The payoff up front, before the process.

final_designs_hero

Configurable lender dashboard and workflow system

final_design_1

final_design_2

03 — Design Process

From volatile problem to predictable flow

Four phases: stake, study, layout, prove.

Borrowers won’t act on a loan they don’t trust, and BTC moves faster than they can.

Over and BTC expert consulting, distilled to the insight that shaped the product.

Stakeholder interviews

Owner and BTC expert consultant.

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User flows

Wallet connection, collateral, and close-account liquidation mapped end to end.

process_wireframes

Wireframing

Customer portal structure tested before visual design.

process_iteration

Iteration

Simplified onboarding after user testing with the Brazilian team.

04 — Design System

Extending an existing system for crypto lending

Rather than start over, I extended the existing PayPlan design system. That simplified development and gave an MVP to market faster, while adding new lending modules.

Color

Type

Aa Aa Aa

Spacing

Calculator tables

Offer cards adapt based on loan type

Offer cards adapt based on loan type

Mobile tables

Scannable by feature for on-the-go review

Scannable by feature for on-the-go review

Mobile dashboard elements

Loan health at a glance during volatility

Loan health at a glance during volatility

New core components for BTC

Reusable crypto-lending patterns built into the existing PayPlan system

Reusable crypto-lending patterns built into the existing PayPlan system

ds_components_overview

ds_component_incontext

Component overview

The crypto components added to the PayPlan system.

The crypto components I added to the PayPlan system, including wallet connect, a work-in-progress tab, and an improved mobile dashboard, helped Business Warrior pitch and win more crypto lending bids, opening a new market for the company.

06 — Systems Thinking

Four systems feeding one BTC loan product

The product was designed as four extensible systems feeding a single source of truth, so it adapts and scales rather than being rebuilt per client.

BTC Loan Product System

Scalable Offer Engine

Dynamic BTC offer logic built around risk, assets, source of truth.

Dynamic BTC offer logic built around risk, assets, source of truth.

Configurable Contract Triggers

Adapting clauses based on loan and user behavior flows.

Adapting clauses based on loan and user behavior flows.

Collateral Ledger & Liquidation

Automated health and payoff rule states.

Automated health and payoff rule states.

Decoupled Onboarding

05 — Core Product Modules

Four modules across three interfaces

Each with the insight behind it and the impact it delivered.

01 — Customer Portal

Borrowers primarily interacted with their loan on mobile and needed instant clarity during BTC volatility. Impact: a mobile-first portal that surfaces loan health at a glance, increasing confidence and reducing friction.

module1_image_1

module1_image_2

02 — Work-in-Progress Statuses & Data-Entry Modals

Support teams needed immediate visibility into which accounts required action during servicing. Impact: status-driven account cards and a prioritized WIP queue that streamlined admin workflows.

module2_image_1

module2_image_2

module2_image_3

module2_image_4

03 — Customer Actions in Portal

Open credit lines require flexibility without overwhelming users. Impact: actions centralized into contextual flows that preserved orientation and trust.

module4_image_1

module4_image_2

module4_image_3

04 — Close-Account UX

Account closure is a high-risk moment where clarity and correctness are critical. Impact: adaptive close-account flows that guide users safely through liquidation when required.

module3_image_1

module3_image_2

07 — Results & Impact

<6mo

MVP from concept to market

New South American crypto lending market opened

+

Reusable system for future crypto-lending products

08 — Reflection

Designing for volatility

Designing a crypto credit product taught me how to create clarity and trust in environments defined by volatility. It pushed me to design systems that stay predictable even when the underlying asset is not.

Next Project

PayPlan — Configurable lending platform

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© 2026 Austin Griblin. All rights reserved.

Founding designer crafting clear, reliable product experiences from early definition to shipped software.

© 2026 Austin Griblin. All rights reserved.

Founding designer crafting clear, reliable product experiences from early definition to shipped software.

©2026 Austin Griblin.

All rights reserved.