How do we compress KYC → first on-ramp into a one-screen win for our crypto bank?

Problem Framing

Build a crypto bank MVP for an international audience from zero. Constraints: fragmented jurisdictions and compliance, volatility, low trust in custodial models, no ready-made insights. Tight timelines, partial field testing blocked by NDA/regulatory risk.

Build a crypto bank MVP for an international audience from zero. Constraints: fragmented jurisdictions
and compliance, volatility, low trust in custodial models, no ready-made insights. Tight timelines, partial field testing blocked by NDA/regulatory risk.

The Core Idea

A single “banking layer” on top of crypto infrastructure: balances → add/withdraw → convert → pay → security. Modular architecture where jurisdictional “shutters” enable/disable features (fiat on/off-ramp, stablecoins, P2P, limits) while the UI stays consistent.

Key Hypotheses

If users get fast onboarding, transparent region-based availability, and minimal steps to first value, then:

Activation rises in the first session (KYC complete, wallet ready)
On/off-ramp success share increases
Repeat conversions and payments grow as anxiety triggers in the UI drop

From Problem Space to System Design

Key Steps

1) Domain & Risk map - jurisdictions, KYC/KYB, limits, liquidity sources, anti-fraud guardrails.

2) Deep Interviews - founders/SMB owners with cross-border payments; separate English-language sessions.

3) Market scan - global fintech and crypto-bank patterns (flows, limits, fees, retention tactics).

4) MVP skeleton - user model and analytics events: balances, add funds, convert, send, withdraw, limits, verification.

5) Prototypes - interactive flows: onboarding, KYC, funding, conversion, transfer, withdrawal, failure states.

6) Qual testing - sessions with crypto-bank customers; verify time-to-first-value, clarity of limits/fees.

7) Design sytem - kokens, Variants, AutoLayout; legal copy slots; regional warning banners.

8) Hard cases - sanctions/region blocks, transaction freeze, on-ramp rollback, network instability, offline degradation.

9) Handoff - specs, limit/error matrices, analytics schema, jurisdiction rules table.

Problem Decomposition

Business Goals:

1) Ship an MVP with a provable funnel from onboarding to first transaction

1) Ship an MVP with a provable funnel from onboarding
to first transaction

2) Minimize risk via explicit region-scoped capabilities

3) Lay a foundation for scale (new coins, liquidity providers, cards/invoices)

User Goals:

1) See exactly what’s available in their region

2) Complete a first operation without hidden fees/limit surprises

3) View unified balances, clear rates, predictable security steps

Outcomes and Current State

Current Status:

1) Concept approved, MVP design delivered for implementation.

1) Concept approved, MVP design delivered
for implementation.

2) KYC, on/off-ramp, convert, send/withdraw, and failure/degradation flows specified.

2) KYC, on/off-ramp, convert, send/withdraw,
and failure/degradation flows specified.

3) Analytics schema and event map aligned.

Evaluation Criteria

1) Activation: KYC completion, time-to-first-operation, on-ramp success rate.

2) Transactional: conversions, transfers, repeat operations.

3) Quality: error incidence by cause (limit/region/provider), early exits, UI response latency.

t.me/azc0n
nikitachernyshov111@gmail.com

2026