Mintpay Vouchers & Mint Coins

Designing a High-Retention Rewards Ecosystem

Role

Senior UI/UX Designer

Timeline

2-Month Sprint

Platform

Mobile App (iOS, Android) & Responsive Web

Team

CEO, Product Manager, Developer Team

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Audio Description

Business Impact & Outcomes

Spiked Retention & Repeat Purchases

Successfully shifted the product narrative from a "debt" utility to a rewarding ecosystem, driving a massive increase in user retention and repeat transaction rates.

Incentivized Early Repayments

Drastically increased the rate of early installment settlements by directly tying proactive payments to instant Mint Coin rewards.

Unlocked B2B Revenue

The seamless gifting workflow opened up a highly lucrative new revenue stream through the sale of Corporate Vouchers.

The Challenge

Following a successful website redesign that educated the Sri Lankan market on the core "Buy Now, Pay Later" (BNPL) concept, we hit a ceiling with user engagement. We needed to solve three distinct business problems:

The Debt Perception

At its core, BNPL is a debt-based product, which inherently carries psychological weight for the user. We needed to soften this by introducing a rewarding, positive reinforcement loop.

Lack of Early Payment Incentives

Users had no compelling reason to settle their installments ahead of schedule, which tied up company capital.

A Broken Gifting Market

The local market lacked a modern, flexible digital gifting option, representing a massive missed opportunity for organic user acquisition.

Strategic Discovery: Solving the "Single-Use" Trap

When researching the voucher market, a glaring user frustration emerged: standard gift vouchers universally force the recipient to spend the entire amount in a single, high-pressure transaction. Users hated this restriction.

The "Aha!" Moment

We realized a voucher shouldn't just be a static gift; it should be a gateway into our ecosystem. I designed the "Convert Voucher to Coins" feature. Instead of being forced into a single purchase, users could digitally convert their gifted voucher into "Mint Coins" giving them the ultimate freedom to split their gift across multiple purchases at any of our 2,500+ partner stores.

Navigating Product Trade-Offs

The Conflict: Naming the reward system "Mint Coins" raised a massive red flag during development. Stakeholders were deeply concerned that users would misunderstand the product, mistaking it for a volatile cryptocurrency or tradable digital money, rather than a closed-loop internal credit system.

The Pushback: While there was pressure to change the name or bury the feature, I argued that the branding was strong, but the onboarding needed to do the heavy lifting.
The Resolution: I proposed and executed an aggressive contextual education strategy. Instead of altering the business concept, I designed a frictionless onboarding flow featuring introductory screens, strategically placed info-icons with tooltips, and hyper-simplified UX copy. This ensured users instantly understood the mechanics of the closed-loop credit system within seconds, entirely mitigating the confusion risk.

The Solution & Execution

Robust Search & Filter Architecture

Carefully integrated the new Mint Coins UI into the existing app and web dashboards. Rather than feeling like a bolted-on afterthought, the rewards system became a natural extension of the core workflow, introducing a simple "Use Mint Coins" toggle directly at the checkout screen.

Frictionless Gifting Architecture

Designed a clean, intuitive voucher purchase and redemption flow across both mobile and web. By adapting the existing design system, I created a visually distinct but familiar aesthetic for the gifting journey.

Clear Value Communication

Replaced complex points-based math with transparent, visually digestible messaging. The UI was engineered to ensure users always knew exactly how much purchasing power they had, and exactly how many coins they would earn for paying an installment early.

Mintpay is a payments platform built to make spending more flexible and rewarding for consumers, while helping merchants grow stronger, more loyal customer relationships.

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Mintpay is a payments platform built to make spending more flexible and rewarding for consumers, while helping merchants grow stronger, more loyal customer relationships.

Visit Site

Mintpay is a payments platform built to make spending more flexible and rewarding for consumers, while helping merchants grow stronger, more loyal customer relationships.

Visit Site