Pactis
Bringing global treasury operations into one system.
Bringing global treasury operations into one system.
Pactis · Product Designer · Fintech · B2B · Treasury
Businesses managing money across currencies were dealing with fragmented balances, slow cross-border settlement and disconnected crypto and fiat systems. I designed a treasury platform that brought conversion, payments, balances and transaction visibility into one operational system.
Businesses managing money across currencies were dealing with fragmented balances, slow cross-border settlement and disconnected crypto and fiat systems. I designed a treasury platform that brought conversion, payments, balances and transaction visibility into one operational system.
1,000+
Businesses onboard
1,000+
Businesses onboard
Managing money across borders shouldn't mean managing five different systems.
Managing money across borders shouldn't mean managing five different systems.
Businesses operating internationally face several challenges
Businesses operating internationally face
several challenges
High Costs of Currency Conversion & Cross-Border Transfers
Traditional banks and FX providers charge high spreads (1-3%) on currency conversions. Cross-border wire transfers incur additional fees and take 2-5 business days to settle. Businesses using multiple payment processors face fragmented fee structures, making cost tracking difficult.
Traditional banks and FX providers charge high spreads (1-3%) on currency conversions. Cross-border wire transfers incur additional fees and take 2-5 business days to settle. Businesses using multiple payment processors face fragmented fee structures, making cost tracking difficult.
High Costs of Currency Conversion & Cross-Border Transfers
Slow Settlement Times for International Payments
Slow Settlement Times for International Payments
Bank wires take days due to correspondent banking delays. Crypto transactions are barely integrated on a large scale like this, and while it is faster, it still requires manual reconciliation when converting to fiat.
Bank wires take days due to correspondent banking delays. Crypto transactions are barely integrated on a large scale like this, and
while it is faster, it still requires manual reconciliation when converting to fiat.
Lack of Crypto-Fiat Integration in Traditional Treasury Systems
Lack of Crypto-Fiat Integration in Traditional Treasury Systems
Most treasury software does not support crypto, forcing businesses to use separate exchanges (e.g., Coinbase, Binance) for conversions. Regulatory uncertainty makes it difficult to comply with AML/KYC when dealing with crypto payments.
Most treasury software does not support crypto, forcing businesses to use separate exchanges (e.g., Coinbase, Binance) for conversions. Regulatory uncertainty makes it difficult to comply with AML/KYC when dealing with crypto payments.
Fragmented Cash Visibility Across Multiple Currencies
Fragmented Cash Visibility Across Multiple Currencies
Businesses with global operations often have: Bank accounts in multiple countries (USD, EUR, JPY), Crypto holdings across exchanges & wallets, and No real-time view of total liquidity. Manual consolidation in spreadsheets leads to errors and delayed decision-making.
Businesses with global operations often have: Bank accounts in multiple countries (USD, EUR, JPY), Crypto holdings across exchanges & wallets, and No real-time view of total liquidity.
Manual consolidation in spreadsheets leads to errors and delayed decision-making.
...there’s more to the list.
...there’s more to the list.
Project Overview
Project Overview
Treasura brought together the core operations a business needed to manage its treasury:
Convert
Move between crypto and fiat currencies.
Move between crypto and fiat currencies.
Pay in
Fund business accounts.
Fund business accounts.
Pay out
Send funds to beneficiaries.
Send funds to beneficiaries.
Monitor
Track balances, transactions and financial activity.
Track balances, transactions and financial activity.
Solutions shipped - Built for real businesses, not just a prototype.
Solutions shipped - Built for real businesses, not just a prototype.
Real-Time Exchange Rate Integration
Real-Time Exchange Rate Integration
Integrated multiple liquidity providers and used WebSocket connections for
real-time rate updates.
Integrated multiple liquidity providers and used WebSocket connections for real-time rate updates.
Secure Cross-Border Transactions
Secure Cross-Border Transactions
Implemented multi-layer KYC/AML checks and blockchain monitoring for crypto transactions.
Compliance Across Jurisdictions
Compliance Across Jurisdictions
Partnered with licensed payment processors in key regions.
Direct local payouts via partner networks to reduce intermediary fees.
Direct local payouts via partner networks to reduce intermediary fees.
Automated crypto-to-fiat conversion with instant settlement (vs. traditional OTC delays)
Automated crypto-to-fiat conversion with instant settlement (vs. traditional OTC delays)
Real-time transaction tracking reduces reconciliation overhead.
Real-time transaction tracking reduces reconciliation overhead.
Consolidated fee reporting for better cost visibility.
Consolidated fee reporting for better cost visibility.
Unified wallet system supporting BTC, ETH, stablecoins (USDT, USDC), and 20+ fiat currencies.
Unified wallet system supporting BTC, ETH, stablecoins (USDT, USDC), and 20+ fiat currencies.
Single dashboard for tracking both crypto and fiat liquidity.
Single dashboard for tracking both crypto and fiat liquidity.
Automated treasury reporting with customizable alerts for low balances.
Automated treasury reporting with customizable alerts for low balances.
Role-based access controls to limit internal risks.
Role-based access controls to limit internal risks.
...there’s more to the list.
...there’s more to the list.
The system
The system
Pactis wasn't designed for one type of user. Different participants interacted with the same financial infrastructure in different ways.
Admin
Managed liquidity, trades, currencies and overall platform operations.
Merchant (Business Manager)
Managed balances, transactions and payouts.
Broker
Provided liquidity and supported currency settlement.
Designing the product meant thinking beyond individual screens and understanding how money, permissions and responsibilities moved through the entire system.
An Overview of the Design Process
An Overview of the Design Process
User Research – Interviewed CFOs and treasury managers to understand
pain points.
User Research – Interviewed CFOs and treasury managers to understand pain points.
Prototyping – Built wireframes focusing on simplicity for non-technical users.
Prototyping – Built wireframes focusing on simplicity for non-technical users.
Security & Compliance Review – Worked with legal teams to ensure regulatory adherence.
Security & Compliance Review – Worked with legal teams to ensure regulatory adherence.
Iterative Testing – Conducted beta tests with SMEs to refine UX before launch.
Iterative Testing – Conducted beta tests with SMEs to refine UX before launch.
Core experiences shipped
The treasury manager is quite a large product, and talking about all the functionalities would
make this case study too lengthy. Now, I know you’re not bored but I intend on keeping things brief. That being said, I will only touch on a few functionalities:
The treasury manager is quite a large product, and talking about all the functionalities would make this case study too lengthy. Now, I know you’re not bored but I intend on keeping things brief. That being said, I will only touch on a few functionalities:
ADMIN VIEW
Trades
Trades
Dashboard
Dashboard
Balances
Balances
MERCHANT VIEW
Onboarding
Onboarding
Transaction Log
Transaction Log
Trades (Use case - A merchant is trading
EUR for NGN )
Trades (Use case - A merchant is trading EUR for NGN )
A currency trade isn't simply a transfer. It involves a source currency, destination currency, exchange rate, amount, settlement and different actors depending on the workflow.
A currency trade isn't simply a transfer. It involves a source currency, destination currency, exchange rate, amount, settlement and different actors depending on the workflow.
This can be done in two ways. The Merchant can send a trade request from their end, or the Treasury Admin can create a trade for the Merchant, assuming a negotiation has been done offline. On creating the trade, the Merchant’s balance will be debited as the source currency (EUR), and the Merchant will credited with the destination currency (NGN).
This can be done in two ways. The Merchant can send a trade request from their end, or the Treasury Admin can create a trade for the Merchant, assuming a negotiation has been done offline. On creating the trade, the Merchant’s balance will be debited as the source currency (EUR), and the Merchant will credited with the destination currency (NGN).
1.1 Open Trades
1.1 Open Trades
After a Trade has been created, the merchant will be settled in the destination currency, and the admin can monitor this process (If needed, settle the merchant manually), and view the profit recorded for the business from that trade. The page below shows when settlement has
been complete.
After a Trade has been created, the merchant will be settled in the destination currency, and the admin can monitor this process (If needed, settle the merchant manually), and view the profit recorded for the business from that trade. The page below shows when settlement has been complete.
After a Trade has been created, the merchant will be settled in the destination currency, and the admin can monitor this process (If needed, settle the merchant manually), and view the profit recorded for the business from that trade. The page below shows when settlement has been complete.
Admin Dashboard
Admin Dashboard
A treasury dashboard can easily become a wall of numbers. Instead, the dashboard was structured around the information operators needed to understand the state of the business at a glance - balances, trades, transactions and activity.
A treasury dashboard can easily become a wall of numbers. Instead, the dashboard was structured around the information operators needed to understand the state of the business at a glance - balances, trades, transactions and activity.
2.1 Configure Currencies
2.1 Configure Currencies
The admin can customize the displayed currencies to suit his preference.
The admin can customize the displayed currencies
to suit his preference.
Balances
Balances
In a financial system, a balance isn't always just one number. Funds can be available, pending or moving through different parts of the system.
In a financial system, a balance isn't always just one number. Funds can be available, pending or moving through different parts of the system.
I designed the balance experience to give users a clearer understanding of their financial position across currencies and accounts.
I designed the balance experience to give users a clearer understanding of their financial position across currencies
and accounts.
3.1 Pay-in
3.1 Pay-in
The Pay-in Modal carries the account information that is to be funded. This information can be shared to the sender, and also, Pay-in can be recorded manually.
The Pay-in Modal carries the account information that is to be funded. This information can be shared to the sender, and also, Pay-in can be recorded manually.
3.2 Payouts
3.2 Payouts
Payouts are where treasury operations become real-world consequences. The
experience needed to make the beneficiary, source balance and amount clear
before funds left the system.
Payouts are where treasury operations become real-world consequences. The experience needed to make the beneficiary, source balance and amount clear before funds left the system.
4. Merchant’s Profile
4. Merchant’s Profile
Transaction Log - Making every
transaction explain itself.
Transaction Log - Making every
transaction explain itself.
A transaction log isn't just a list. For a business managing money, it becomes the operational memory of the platform:
A transaction log isn't just a list. For a business managing money, it becomes the operational memory of the platform:
What happened?
When?
How much?
In which currency?
Who initiated it?
What's its current state?
I designed the transaction experience to make individual movements easier to understand and investigate.
I designed the transaction experience to make individual movements easier to understand and investigate.
I designed the transaction experience to make individual movements
easier to understand and investigate.
5.1 Transaction Details
5.1 Transaction Details
Up Next
Up Next
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You’ve seen the work. You’ve met Batman. Now let’s build something difficult.
birthrightntuk@gmail.com
You’ve seen the work. You’ve
met Batman. Now let’s build
something difficult.
birthrightntuk@gmail.com
You’ve seen the work. You’ve
met Batman. Now let’s build
something difficult.
birthrightntuk@gmail.com