sKratch

sKratch is a personal / peer-to-peer lending app — it helps people start, record, and manage loans and track repayment. The product covers start a new loan, record a loan, lender info, loan summary, and payments across guided application flows.

This project delivers both the mobile product screens and a shared design library reverse-built from the Skratch UI Library in Figma.

Lending between people is often informal and awkward — amounts, terms, and repayment status live in texts, spreadsheets, or memory. Users need a calm, approachable tool that makes money explicit without jargon or hype.

The primary UX challenge was transforming a complex, multi-layered financial configuration flow into an intuitive mobile experience. Because setting informal loan terms requires collecting dense, granular data, the interface needed to simplify deep logic without overwhelming the user.

The design had to solve for three key priorities:

• Simplifying Nested Architecture: Organizing multi-party inputs and dependent schedules into a clean, logical hierarchy.
• Reducing Cognitive Load: Breaking down a dense, currency-heavy configuration process into a frictionless progression.
• Real-Time Transparency: Ensuring critical data points—like outstanding liabilities and immediate next actions—remained highly scannable at every step.

A mobile-first app with a loans home, a guided new-loan flow (amount → purpose → terms → review), and loan detail with payments. Clear status, pill navigation, and indigo + green-check selection keep financial tasks approachable.

At the center of the work is an interactive living design system — reverse-built from the Skratch UI Library in Figma.