Peaks Co-Invest Account

Designed the end-to-end onboarding and connection flows for a new Co-Invest investment product.

Resolved a core UX tension: making a non-intuitive financial concept feel immediately trustworthy and simple to act on.

Extended the brief across three rounds — adding user profiles, a custom portfolio flow, and persona-targeted social content.

Structured every screen around a single guiding principle: invest together, grow separately.

Problem:

Co-Invest is a genuinely difficult product to explain. Individual accounts, linked for shared visibility and collective goals, sit in unfamiliar territory for most users — somewhere between a joint account and a personal investment. The risk of misunderstanding ownership is real, and in a fintech context, confusion about who controls what money can be a dealbreaker.

The brief required a complete account opening flow, a connection flow for adding members, and an Instagram Story that could communicate the concept to a cold audience — all while staying within Peaks' existing design system.

Approach:

The entire design system was built around one line of copy: invest together, grow separately. Concept education was front-loaded through information cards before any user commitment. The connection flow handled two distinct scenarios of finding an existing Peaks account and inviting someone new, with a celebration state on acceptance to make the social moment feel rewarding rather than administrative.

Through design review this expanded into four supporting user profiles each paired with a persona-specific requirements.

I further refined the custom portfolio flow replacing a manual allocation input with a stepper-based UI, auto-balance option, and a live running total that turned green at 100%. Legal consent was integrated at the point of decision rather than surfaced as a separate drawer, keeping the flow clean without losing compliance rigour.

Solution:

A complete account opening and connection system for the Co-Invest product, designed across three rounds of iteration. The core onboarding flow uses front-loaded concept education and strategically placed ownership reassurance to resolve the primary UX risk — user confusion about individual control within a shared account. The connection flow handles both existing Peaks users and new invites, closing with a celebration state that makes the social act of joining feel intentional rather than administrative.

Round two extended the system into persona-driven social content — four distinct user profiles paired with Instagram Story series tailored to each financial mindset, and a campaign direction shift from illustrated UI to real photography and bold typography. Round three refined the portfolio customisation experience, replacing manual allocation with a stepper UI, auto-balance toggle, and a live running total that resolves to green at 100% — turning a compliance-heavy step into a satisfying moment of completion. Legal consent was embedded at the point of decision to maintain flow integrity without compromising regulatory rigour.

User Experience
User Interface
Product Design
Brand Systems

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