Bound made hedging run itself. Now give the protection a shape.
A financial controller with no treasury desk used to phone a broker and hope. You already fixed that. But the win arrives as Lifetime VaR Saved £190.15K — a number with no shape, reporting a past she cannot act on. What she actually needs to say out loud is a rate she can promise for next quarter.
I’m Carl. I run Sunday, product design for fintech, ex-Swedbank. The concept below is your product with that gap closed: one band, one floor she names, and a fifteen-minute briefing that holds a decision instead of a report. It’s live, just below.
The concept, running
Nothing needs her. That empty queue is the product working.
From automatic to something she can promise.
The broker call’s real product was never the rate — it was somebody telling her where she stood, and it cost her a morning every time. Automation removed the morning. What it has not yet given back is the sentence: whatever happens, we clear 84.90. Every decision below serves that one line — a floor she sets, a price she can see, and figures that reconcile because they all derive from the same book.
Four decisions, and why:
Your protection
The protection gets a shape she can hold
Lifetime VaR Saved is a number with no shape — it reports a past she cannot act on. A floor is different: she names it, every figure downstream derives from it, and she can drag it and watch the price move. Protection stops being a saving she is told about and becomes a rate she can promise her board.
Needs you
Fifteen minutes hold one decision, not a report
Your own site says finance teams manage currencies in about fifteen minutes a month — roughly twelve visits a year. So the home screen answers three things in order and then stops. On a calm month the queue is empty, it says so in words, and it tells her she can close the tab. That empty state is the product working.
Your band
Certainty is priced, never sold as a saving
Narrow the band and it costs more; widen it and it costs less. Both are shown in basis points and in pounds, on the exact notional they are charged against. The cost is stated as the price of never landing below her floor — because a hedge dressed up as free is the thing that makes a controller distrust the whole product.
Track record
Every figure survives being checked
One dataset sits behind the concept — twenty invoices, twelve months of rates, one band — and every number on screen derives from it, including the sentences. The backward replay is always labelled history, not a forecast. If a figure cannot survive a controller checking it, it should not be on screen.
Any hedging product can tell her what it saved. Only one can tell her what she can promise.
A bit about me.
I’m Carl. I run Sunday, a product-design studio for fintech. Before this, Swedbank, one of the Nordics’ largest banks. I work embedded, like part of the team, from first research to the final interface. No handoffs.
I built this from the outside, on your site and your customers’ own words — no brief, no access. Take it as a conversation-starter rather than a critique: every figure derives from one dataset so the maths survives checking, but wired to real rates, with your real customers behind it, it gets a lot sharper.
“He champions user-centered design without ever losing sight of how it drives real business outcomes. That balance is rare.”
Joackim Zwahlen — UX Lead, Swedbank
That’s the idea.
I made this because you already won the hard argument — hedging that runs itself — and the next one is won by feel: protection she can picture without asking anyone. If it’s useful, grab 30 minutes below and I’ll walk you through where I’d take it. If you want it real, a focused sprint makes the band shippable in your app. If not, no hard feelings — I’ll be rooting for you either way.