Pluto Pay

In an era of financial uncertainty, PlutoPay emerges as a game-changer for young professionals, job seekers, and recent graduates who seek flexibility, accessibility, and financial security. Combining Buy Now, Pay Later (BNPL), digital credit solutions, cashback rewards, and staking options, PlutoPay not only makes shopping easier but also helps users prepare for their financial future.

My roles

UX / UI

UX Researcher

THE PROBLEM: FINANCIAL INSECURITY AMONG GEN Z

THE PROBLEM: FINANCIAL INSECURITY AMONG GEN Z

Germany is facing an economic slowdown, with higher living costs, reduced job opportunities, and an aging population. Millennials and Gen Z are struggling with financial challenges that make it difficult to plan for both immediate expenses and long-term stability.

Many young people do not own a credit card, which limits their ability to shop online or handle unexpected expenses. Without access to traditional credit, they are left with fewer options for managing their finances.

At the same time, recent graduates and job seekers lack financial stability. Uncertainty in the job market makes it hard to commit to large purchases or long-term financial plans, adding to their stress.

Beyond immediate financial concerns, the younger generation is also worried about the future. With an aging population, the sustainability of the German pension system is uncertain, leaving many to question whether they will have enough retirement funds when the time comes. This financial insecurity is compounded by rising inflation and the increasing cost of living. Everyday essentials are becoming more expensive, and young consumers need smarter tools to help them save money while they spend.

The goal: Create a smarter way

to pay and save

The goal: Create a smarter way to pay and save

The goal: Create a smarter way

to pay and save

The goal: Create a smarter way

to pay and save

A virtual credit card that allows young people to shop online without needing traditional credit. The aim is to offer flexible payment options, including the ability to pay later or in installments with 0% interest, making purchases more accessible. Additionally, PlutoPay envisions a built-in marketplace where users can access exclusive deals and cashback rewards, which could be automatically staked for future savings.

A virtual credit card that allows young people to shop online without needing traditional credit. The aim is to offer flexible payment options, including the ability to pay later or in installments with 0% interest, making purchases more accessible. Additionally, PlutoPay envisions a built-in marketplace where users can access exclusive deals and cashback rewards, which could be automatically staked for future savings.

PlutoPay Experience: A UI Design Journey

Designing PlutoPay was about more than just creating a digital wallet—it was about shaping an experience that feels effortless, intuitive, and visually striking. The interface blends soft gradients, fluid layouts, and airy compositions, evoking a sense of financial freedom and ease. Every detail, from the minimalist card designs to the subtle light reflections, is carefully crafted to inspire trust and clarity in financial transactions.

The design process started with exploring user needs and behaviors, ensuring that PlutoPay’s core functions—virtual credit cards, flexible payments, and seamless savings—are not just accessible but also delightful to use. The imagery reflects this philosophy: floating cards that symbolize financial flexibility, smooth transitions that mirror effortless transactions, and a UI that feels as light as the sky itself.


From initial sketches to refined prototypes, every decision was driven by clarity, simplicity, and an emotional connection to the user. PlutoPay isn’t just an app—it’s an experience designed to empower, simplify, and redefine how young people interact with their finances.

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Users begin by signing up and verifying their identity with their ID and banking details, allowing for instant approval. Once registered, they receive a PlutoPay Digital Credit Card, a virtual Visa or Mastercard with a €2,000 spending limit. This card can be used for online shopping at any store or within PlutoPay’s own marketplace.

Users begin by signing up and verifying their identity with their ID and banking details, allowing for instant approval. Once registered, they receive a PlutoPay Digital Credit Card, a virtual Visa or Mastercard with a €2,000 spending limit. This card can be used for online shopping at any store or within PlutoPay’s own marketplace.

When making a purchase, users can choose their preferred payment option—paying immediately, deferring payment to a later date, or splitting the cost into manageable installments. With every transaction, they earn cashback, which can be staked for long-term savings, helping them build financial security effortlessly while they spend.

DARK THEME

Dark theme is very popular, so it was a natural next step for me to add it as well. I led both Interaction and Visual Design for this project. The key challenge? The product's vibrant color scheme could lead to increased eye strain in low-light conditions.

DARK THEME

Dark theme is very popular, so it was a natural next step for me to add it as well. I led both Interaction and Visual Design for this project. The key challenge? The product's vibrant color scheme could lead to increased eye strain in low-light conditions.

No physical card

Pluto digital wallet

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9:41

PlutoPay Experience: A UI Design Journey

Designing PlutoPay was about more than just creating a digital wallet—it was about shaping an experience that feels effortless, intuitive, and visually striking. The interface blends soft gradients, fluid layouts, and airy compositions, evoking a sense of financial freedom and ease. Every detail, from the minimalist card designs to the subtle light reflections, is carefully crafted to inspire trust and clarity in financial transactions.

The design process started with exploring user needs and behaviors, ensuring that PlutoPay’s core functions—virtual credit cards, flexible payments, and seamless savings—are not just accessible but also delightful to use. The imagery reflects this philosophy: floating cards that symbolize financial flexibility, smooth transitions that mirror effortless transactions, and a UI that feels as light as the sky itself.


From initial sketches to refined prototypes, every decision was driven by clarity, simplicity, and an emotional connection to the user. PlutoPay isn’t just an app—it’s an experience designed to empower, simplify, and redefine how young people interact with their finances.