Open for work

3 monthsSolo

Financial Clarity for India's Gig Economy

Money tools for people paid in small, uneven amounts.

Role
Product Design, UX Research
Focus
Strategic Design Exercise, Behavioural Design, Underserved Markets

₹1,500 saved

01The problem

A delivery rider in Kerala gets paid once a week, and never the same amount twice. A painter gets paid at the end of each job. Their rent is the same every month.

Banks want a minimum balance they can’t always keep. Budgeting apps ask for a monthly limit. None of them start from the way these people are paid. What would help them is a friend who keeps count.

  • 12MGig workers in India, FY25
  • 40%Of them earn under ₹15,000 a month
  • ~₹920A day’s construction wage in Kerala, about twice India’s
  • 20%Of India’s workers are casual labourers

Sources: Economic Survey 2025–26; RBI, Handbook of Statistics on Indian States 2024–25; MoSPI, Periodic Labour Force Survey 2025

Where this started

Paisev began with a friend who worked in quick commerce, and what the job was really like. Then I asked cab drivers and quick-commerce riders about their work, in informal chats, before turning to the public data.

Who did what. This is a solo concept. I did the research, the design and every screen.

The approach, step by step

How the research was done

  • Public data

    Desk research

    Government and World Bank data, a survey of 10,384 cab and delivery workers, and what the platforms have announced about pay.

  • Informal, not interviews

    Prompted chats

    I asked a friend who worked in quick commerce, cab drivers and quick-commerce riders about their work, in informal chats. What they told me shaped the questions. No recordings, no quotes, no sample.

  • Assumption

    What it can't tell me

    Nobody has used Paisev. Every design bet is an assumption, mapped and set up for testing at the end.

Public data for the numbers, chats for the questions

How the money arrives

Every kind of gig and trade work pays differently. What they share is the shape: small amounts, on their own rhythm.

How each kind of work pays

  1. Ride-hailing app

    A share of every ride

    Roughly 25–40% of the fare, until autos moved to a daily fee in 2025. The 2025 rules say a driver in their own vehicle keeps at least 80%.

    The app takes a big cut of every ride.

  2. Local and state ride apps

    A daily pass, no share

    Around ₹10–70 a day for unlimited rides. Kerala's own app works this way in Thiruvananthapuram and Kochi.

    Better for drivers, but riders are used to the big app.

  3. Food delivery

    Per order, plus distance

    About a third of delivery workers net under ₹10,000 a month after costs.

    Some orders are too short to be worth the trip.

  4. Quick commerce

    Per order, inside the store's radius

    Minimum pay per order fell from about ₹50 in 2021 to around ₹10 for a 1 km drop by 2023.

    Riders only cover the area the store serves.

  5. Pickup and drop

    Per trip, paid out weekly

    Earnings build daily and are paid out once a week.

  6. Home-services app

    Per job, less a commission

    Partners net around ₹28,000 a month, over about 90 hours on the app (the company's own figure).

  7. Independent trades

    Per day or per job, cash or UPI

    Casual work across India pays around ₹450 a day for men and ₹300 for women.

    Painters and repairmen work alone, like freelancers, in physical labour.

SoEvery kind of work pays in small pieces, on its own rhythm. None of them pays on the day rent is due.

Sources: TechCrunch (Feb 2025), Inc42 (Feb 2024), MediaNama (Jun and Jul 2025), Indian Masterminds (Nov 2025) on ride apps; PAIGAM & University of Pennsylvania, Prisoners on Wheels? (2024); ThePrint (Apr 2023); the pickup-and-drop app's partner page; the home-services app's Earnings Index (9M FY26); MoSPI, Periodic Labour Force Survey 2025. “What they told me” is from informal, prompted chats, not interviews.

Seven ways of being paid, and what the people doing the work told me. The figures are ballpark estimates: they vary by city and change often

Cab drivers told me they make ₹2,000–3,000 a day. After costs, much less of it reaches home.

Where a ₹2,500 day goes

Where a ₹2,500 day roughly goes

  1. A day's fares

    ₹2,500

    In the ₹2,000–3,000 range drivers told me

  2. The app's deductions

    −~₹775

    Over 31% on average, from drivers' own screenshots

  3. Fuel

    −~₹900

    39.5% of drivers spend ₹701–1,100 a day

  4. Food and tea

    −~₹150

    Most spend ₹101–200 a day

  5. Left for the day

    ~₹675

    Before repairs, loan instalments and fines

SoThe fares look like a good day. What reaches home is about a quarter of it, and it changes every day.

Sources: PAIGAM & University of Pennsylvania, Prisoners on Wheels? (2024), surveyed 2022–23, before most ride apps moved to daily passes. In the same survey, 43% of cab drivers netted under ₹500 a day, most of them in smaller cities.

An estimate: the fares from my chats, the costs from a survey
  • 68%Of cab drivers say their expenses are higher than their earnings
  • 83%Work more than 10 hours a day

Source: PAIGAM & University of Pennsylvania, “Prisoners on Wheels?” (2024), a survey of 10,384 cab and delivery workers in 8 cities

Banking isn’t built for this

Built for a salary

What the bank expects

  • A minimum balance

    Public sector banks collected ₹8,495 crore in penalties for it in five years.

  • A monthly budget

    Pay lands daily or weekly, and never the same amount twice.

  • A salary slip for credit

    Of 600 platform workers, 20% borrow from friends or family and 8% from moneylenders.

What happens instead

  • 35%of Indian bank accounts are inactive, 7 times the developing-economy average
  • 24%of adults saved any money at all in the past year
  • 31%could find emergency money within 30 days without much trouble

Where the saving goes

  • In their heads

    Rent money, school money, a pile for the festival: counted, not written down.

  • Chit funds

    Kerala's state chit-fund company has 65 lakh customers.

  • Savings groups

    Kerala's women's savings network has 48 lakh members in 2.57 lakh neighbourhood groups.

SoThe saving already happens, in heads and in groups. Paisev writes it down.

Sources: Lok Sabha reply (Jul 2024), via Moneylife; Dvara Research, Finances of Platform Workers in India (2024); World Bank, Global Findex 2021 India brief; the chit-fund company's and the savings network's own sites (2026).

What banking assumes, and where the saving happens instead

Where Paisev fits

Plenty of products help people save. None of them start from small, uneven pay, and most move the money somewhere else first.

Where Paisev fits

Money stays in your own bankWorks with uneven payCounts cashShows how much to keep from each payTake money out freelyNo minimum balance
A neobank's goal potsA new account at a partner bank; ₹5,000 average balance since Oct 2024
Daily digital-gold appsMoney becomes digital gold, from ₹10; a 2–3% buy-sell spread
A bank recurring depositA fixed amount each month; a late fee of ₹1.50 per ₹100
Kerala's state chit fundA fixed monthly amount; each month's pot is auctioned
Women's savings groupsWeekly, set by what the poorest member can afford
PaisevOnly saving: labels on your own balance. It doesn't pay, lend or invest

SoEvery option either moves the money, assumes a steady amount, or leaves the maths to the user. Paisev only helps set money aside from each pay, in the account where it already is.

Sources: The partner-bank neobank's own pages (2024); the digital-gold apps' pages and press, with SEBI's Nov 2025 advisory on digital gold; SBI's recurring-deposit terms; KSFE's chitty pages; Kudumbashree's thrift-and-credit pages. Paisev's row describes the concept, which hasn't been tested.

How people in India save today, and the gap Paisev is built for

Four ways of being paid

Paisev is a concept, so these are proto-personas: built from public data and informal chats, not from interviews. Each one is an assumption to check.

  • The courier

    Paid weekly

    Rent is the big worry.

  • The cab driver

    Paid per ride

    Cash has to count too.

  • The freelancer

    Paid in lumps

    One payment has to last.

  • The painter

    Paid per job

    No job, no income that day.

Proto-personas, after Nielsen Norman Group’s “3 Persona Types”: assumptions to validate; none are findings yet.

02What was decided, and what it cost

Pots, on money that never moves

Each payout is split into pots: rent, bills, emergency, goals. The pots are labels on the rider’s own bank balance. Paisev never holds or moves the money.

Find the income through the bank, after reading SMS was ruled out.

Pots only work if the app knows when money lands. That had to be solved before any screen was drawn.

How income is found

  1. 01

    Read the SMS

    Google Play only lets default SMS, Phone or Assistant apps ask for SMS access, and SMS access is a known fraud route. It would have cost trust as well as approval.

  2. 02

    Account Aggregator, through a regulated partner

    The RBI's consent framework: the bank shares encrypted data, the aggregator can't read it, and consent can be taken back. Only regulated entities can receive the data, so Paisev needs a partner bank.

  3. 03

    A ledger on your own balance

    Pots are labels on the user's own balance. Nothing moves, so no licence is needed to move money.

Sources: Google Play Console Help, “Use of SMS or Call Log permission groups”; Sahamati, FAQ on who can be a Financial Information User.

Why SMS was dropped, and what the bank-data route decided

We found a payout

We found a payout

First time we've seen this sender

Found in HDFC Bank · landed 10:47 am

+₹4,500

UPI/SWIGGY PAYOUT/WK03

Is this money from work?
Continue

  1. Found in the bank, with the time it landed. Checks run up to 4 times a day (Assumption), so the copy never says instant.

  2. Personal money is never split. A new sender is always asked about first, and remembered after.

The consent request, where the data goes, and the path every payout takes

Review and approve

Review and approve

Nothing is shared until you say yes

Step 2 of 3

Consent request

What is sharedBalance and transactions of your HDFC Bank savings account
What PaiSev uses it forSpotting payouts and keeping your pots accurate
How oftenUp to 4 checks a day
For how longUntil 24 Jan 2027
Your dataDeleted when you stop sharing

Shared through [Account Aggregator partner], an RBI-licensed Account Aggregator. It passes the data on encrypted and cannot read it.

Approve with OTPNot now

  1. How often and for how long are proposals: 4 checks a day and 12 months (Assumption).

  2. Stop sharing and the fetched data is deleted. The pots and their history stay.

Where the data goes

User's bank

The money stays here. Paisev never holds or moves it.

Regulated rails

Consent can be taken back at any time.

Paisev

User's bank

Financial Information Provider

Account Aggregator

Passes data it can't read

Regulated partner

Financial Information User

Paisev engine

Finds payouts, suggests splits

Ledger

Pots as labels on the user's balance

User's screens

Available to spend, pots, history

Money never moves: only data, with consent, crosses the line

A payout, from bank to pots

  1. Landed

    In the bank

    Consent stopped

    Fetches end; income goes manual

  2. Found

    At the next scheduled check

    Bank unreachable

    Retried at the next check. Pots are safe

  3. Asked or recognised

    “Is this from work?”

    Personal

    Never split without asking

  4. Split suggested

    Every amount and its maths

  5. Confirmed

    Labels are written

  6. Undo window

    5 minutes (Assumption)

Final

Each payout's path, and the three ways off it

A ledger: pots are labels on your own balance.

People treat money differently depending on what it’s for. That’s mental accounting, and the label does the work wherever the money sits. So nothing moves, no licence is needed, and there are no fees.

The idea behind pots has been tested with people close to these personas. Labourers in rural India who split their savings into two envelopes saved far more than those with one.

Why several pots beat one big goal

146 labourers at a construction site in rural India, each paid ₹670 a week in cash, saving for 14 weeks.

  • One envelope₹241
  • Two envelopes₹414
  • One envelope, higher targetSaved less: ₹211 against ₹269
  • Two envelopes, higher targetSaved more: ₹456 against ₹373

SoPaisev splits every payout into several pots and never pools them into one big goal.

Sources: Soman & Cheema, “Earmarking and Partitioning: Increasing Saving by Low-Income Households”, Journal of Marketing Research 48 (2011).

Split money gets saved; one pooled pot breaks

Home

Saturday, 24 January

Good morning, Rajesh

Available to spend

₹1,240

HDFC Bank balance ₹14,240, minus ₹13,000 set aside in pots. Updated 11:02 am.

Safe to spend today₹155 a day

Spent ₹85 today, ₹70 left. Lasts 8 days at this pace.

Earned today₹1,100 · 6 hours
Details

Smart suggestion

New Phone is a little behind. A small top-up on your busy Fridays would bring it back on track.

See plan

Quick actions

View all potsAllocate money

At a glance

Goals progress37%₹13,000 saved
Pots on track3 of 41 needs attention
Weekly average₹6,850Last 4 weeks
Spending+18%Compared with last week

  1. The maths is on the card: ₹14,240 in the bank, minus ₹13,000 set aside in pots, leaves ₹1,240 to spend.

  2. A daily pace for a weekly earner, so a slow Monday isn't a surprise on Saturday.

Using money from a pot

Use money from Rent

Rent

₹6,400

80% of ₹8,000

Due 1 FebHigh priorityOn track

Use money from Rent

₹6,400 set aside · Due 1 Feb

₹
Left in Rent₹5,400
Still to set aside by 1 Feb₹2,600
Available to spend becomes₹2,240
FeeNone
Move ₹1,000 to spending

Nothing leaves your bank. This only changes the label, and you can undo it.

Cancel

  1. What's left, what's still to set aside, and what you can now spend, before you tap.

  2. Fee: none. Nothing leaves the bank. One confirm button and an undo, no hold-to-confirm.

Every split shows its amounts and its maths before anything is saved.

Each pot’s share comes from what it still needs, divided by the payouts left before its date. High-priority pots with the nearest dates go first. What’s left is spending money.

Split your payout

Split your payout

New payout from Swiggy

₹4,500

to split

₹3,200 to pots₹1,300 to spend

Smart split

Based on your due dates and past payouts. Nothing leaves HDFC Bank: pots are labels on your balance.

  • RentCompletes this pot

    ₹1,600

    36%

  • BillsCompletes this pot

    ₹400

    9%

  • Emergency FundCompletes this pot

    ₹300

    7%

  • New Phone

    ₹900

    20%

  • Spending moneyYours to use

    ₹1,300

    29%

This payout completes Rent, Bills and Emergency Fund. Rent and Bills are ready before they're due.

Confirm splitAdjust amounts

  1. Pots and spending, side by side, before anything is written.

  2. Each pot says why it gets what it gets: this payout completes Rent.

Before you confirm

Split your payout

New payout from Swiggy

₹4,500

to split

₹3,200 to pots₹1,300 to spend

Smart split

Based on your due dates and past payouts. Nothing leaves HDFC Bank: pots are labels on your balance.

  • RentCompletes this pot

    ₹1,600

    36%

  • BillsCompletes this pot

    ₹400

    9%

  • Emergency FundCompletes this pot

    ₹300

    7%

  • New Phone

    ₹900

    20%

  • Spending moneyYours to use

    ₹1,300

    29%

This payout completes Rent, Bills and Emergency Fund. Rent and Bills are ready before they're due.

Confirm splitAdjust amounts

  1. Nothing is saved until you confirm, and any amount can be changed first.

The options weighed, a new pot, and undo

Three ways to split a payout

  1. 01

    Split automatically

    Fast, but money is set aside without the user seeing why, and a wrong guess stays invisible.

  2. 02

    Suggest, show the maths, confirm

    Every amount and its reason first, nothing saved until confirmed, undo after.

  3. 03

    Split by hand

    Full control, but a chore every payday, and the maths is left to the user.

The middle way: the app does the maths, the user decides

New pot: Vehicle EMI

Vehicle EMI pot

₹
When do you need it?
How important is it?

Smart allocation preview

Suggested amount

₹875 a week

That leaves 81% of each payout for your other pots and spending.

Your usual weekly payout₹4,500
Weeks until the 5th4

₹3,500 ÷ 4 weeks = ₹875 a week

₹875 ÷ ₹4,500 = 19% of each payout

Create pot

  1. ₹3,500 ÷ 4 weeks = ₹875 a week, 19% of a usual ₹4,500 payout, worked out in front of you.

Payout split

Payout split

₹4,500

From Swiggy · it all stays in HDFC Bank

4 pots₹3,200 set aside
  • RentComplete
    +₹1,600
  • BillsComplete
    +₹400
  • Emergency FundComplete
    +₹300
  • New Phone₹18,800 to go
    +₹900
  • Spending money₹1,300

Rent, Bills and Emergency Fund are now full. Nice and steady.

DoneUndo

You can undo for the next 5 minutes.

  1. Undo stays open for 5 minutes (Assumption). It only changes labels, so there's nothing to reverse at the bank.

Calm colours with one job each, and no red for being behind.

  • #0F766EAction: buttons, links, selection
  • #6AF9C9Money in, on track (fill only)
  • #FFC563Attention: due soon, behind
  • #FF8888Problem: real problems only
  • #66BFFFTips and explanations

Pots

Pots

Set aside

₹13,000

Total goals

₹35,000

37% of your goals. It all stays in HDFC Bank.

Rent

Due 1 Feb
High priority
₹6,400 of ₹8,00080%
On trackView

Bills

Due 27 Jan
High priority
₹1,600 of ₹2,00080%
On track

Emergency Fund

No deadline
Medium priority
₹2,700 of ₹3,00090%
On track

New Phone

By July
Low priority
₹2,300 of ₹22,00010%
Needs attention
Add a pot

  1. Priority is a neutral label, shown by order, never by colour.

  2. Behind is amber, never red. Red is kept for real problems, like a bank that can't be reached.

Plain words, in the user's own language, light enough for any phone.

The copy does most of the work here: many users don’t read English comfortably, many are older and wary of scams, and most are on budget phones.

  • 49%Of adults can bank online
  • ₹22,846Crore lost to cyber fraud in 2024
  • 57%Of phones sold in 2025 cost under $200

Sources: MoSPI, Comprehensive Modular Survey: Telecom 2025; Ministry of Home Affairs, Lok Sabha reply (Dec 2025); IDC India, CY2025

Designed for the people who will use it

  • Their own language

    Malayalam and Hindi beside English, in Noto Sans, which covers all three. Amounts stay in digits everyone reads.

  • Light enough for any phone

    Nothing fancy: no photos, no heavy motion, one number per screen. A small app that still works on patchy data.

  • Plain words and pictures

    Short sentences, icons always with a label, 48 px targets, and never a guilty word.

  • Nothing that looks like a scam

    It never asks for an OTP, PIN or password, never sends a link to pay, and names the bank on every notice.

  • The end-of-day check

    Most are paid when the work stops. The app is used sitting down after the day, so one payout, one question, one confirm.

Sources: Reach rules from the design's own spec (48 px targets, labelled icons, Noto Sans).

Language first, then weight, words, safety and timing
Front to back: the service blueprint

The whole service on one board: what the user sees, what runs behind it, and the moments where someone wary of scams decides whether to trust it.

How a payout becomes pots, front to back

1Link bank

2Payout lands

3Payout found

4Is this from work?

5Split

6Everyday

7Use, log or stop

EvidenceWhat the user sees

Link your bank · Review and approve · Bank linked

Nothing: this happens outside Paisev

A notification: we found a payout

The first-payout question

Split your payout · Adjust · Payout split

Home · Pots · Income

Use money from a pot · Add income · Linked accounts

User actions

Picks a bank, reads what is shared, approves with an OTP

Finishes the day's work. The platform pays ₹4,500

Gets a 'we found a payout' notification

Confirms it's from work and ticks 'always count as work'

Reviews the suggestion, adjusts, confirms. Can undo

Checks what is safe to spend today

Moves money to spending, logs cash, or stops sharing

Line of interaction

FrontstagePaisev app

Shows what is shared, why, how often and for how long, before anything is shared

Nothing yet

Shows the payout, when it landed, and when the bank was last checked

Shows the bank's description of the payment and asks once per new sender

Shows every amount and the maths before confirming

Available to spend = bank balance − money set aside in pots

Label changes with no fee and an undo. Cash counts toward earnings only

Line of visibility

BackstagePaisev engine

Creates the consent request: deposit data, up to 4 checks a day, 12 months. Keeps an audit log

Waits for the next scheduled check

Fetches new credits since the last check, removes duplicates, updates the balance

Matches sender and description to known platforms; asks about unknown senders; saves the rule

Due-soon High pots first; each pot gets what's left ÷ payouts before its date; the rest is spending money

Recalculates after every fetch; a calm note if pots are bigger than the balance

Updates the ledger. On stop: ends fetches, deletes fetched data, keeps pots and history

Line of internal interaction

Support processesBank, Account Aggregator, regulated partner

The Account Aggregator's app sends the OTP; the bank links the account

The platform pays by UPI or bank transfer; the bank records the credit

The regulated partner fetches through the Account Aggregator, encrypted; the aggregator can't read it

None

None. No money moves, so no bank or payment rail is involved

Balance comes through the same consent

The Account Aggregator ends the consent

Where trust is wonFor people afraid of scams

Paisev never asks for an OTP, PIN or password; the OTP comes from the aggregator's own app

Nothing to do: the money arrives the way it always has

The notice names the bank and the time it checked; no link to pay or log in

One question, in plain words, then remembered

Nothing is saved until the user sees the maths and confirms

One number to trust, and the working behind it

Stop any time; the data is deleted and the pots stay

Risks and assumptionsWhat to test first

Drop-off at the OTP hand-off

Gap between money landing and Paisev seeing it

4 checks a day is often enough (Assumption)

Descriptions are clear enough to match (Assumption)

5-minute undo is long enough (Assumption)

Spending outside Paisev can leave pots bigger than the balance

Bank unreachable: show the problem, keep pots, retry

Sources: Method: service blueprint (Shostack 1984; Nielsen Norman Group). Engine steps and partner roles are proposed; none of it is built.

Service blueprint: what the user sees above the line, what makes it work below it, and where trust is won

The hard days

The plan has to hold up in a bad week too. These are the rules for when the week goes wrong.

When the week goes wrong

  • Quiet week Assumption

    A payout below the usual funds the High pots due soonest, pauses Low pots and says so plainly, without blame: "Phone pot is paused this week."

  • Pots bigger than the balance

    Money spent outside Paisev can leave the pots larger than the bank balance. A calm amber note offers to shrink Low pots first.

  • Bank can't be reached

    Shown as a real problem, the one place coral is used. Pots are kept, and the next check tries again.

  • A cash day

    Cash is logged by hand. It counts toward earnings and suggestions, but not Available to spend, because it isn't in the bank.

The rules for the hard days, from the design's own spec
A cash day, in the app

Add income

Add income

₹
This week with this entry₹6,800 → ₹7,450
Where is the money?

Logged income counts towards your earnings and pot suggestions. It isn't in your bank, so it doesn't change Available to spend.

Save income

  1. Quick amounts for cash counted at the end of the day, so nobody types long numbers.

  2. Cash counts toward the week's earnings, but not Available to spend: it isn't in the bank.

Where is the money?

Add income

₹
This week with this entry₹6,800 → ₹7,450
Where is the money?

Logged income counts towards your earnings and pot suggestions. It isn't in your bank, so it doesn't change Available to spend.

Save income

  1. The app says it can't see cash, rather than pretending to.

All the screens

Saturday, 24 January

Good morning, Rajesh

Available to spend

₹1,240

HDFC Bank balance ₹14,240, minus ₹13,000 set aside in pots. Updated 11:02 am.

Safe to spend today₹155 a day

Spent ₹85 today, ₹70 left. Lasts 8 days at this pace.

Earned today₹1,100 · 6 hours
Details

Smart suggestion

New Phone is a little behind. A small top-up on your busy Fridays would bring it back on track.

See plan

Quick actions

View all potsAllocate money

At a glance

Goals progress37%₹13,000 saved
Pots on track3 of 41 needs attention
Weekly average₹6,850Last 4 weeks
Spending+18%Compared with last week
Home

Notifications

Today so far

Last checked HDFC Bank at 11:02 am
₹4,500Found
1Bill due soon
3 of 4Pots on track

Today

We found a payout

₹4,500 from Swiggy · landed 10:47 am

Split this payout

Bills due in 3 days

₹400 more to reach ₹2,000. Today's payout can cover it.

Adjust split

Earlier

Emergency Fund is 90% full. Nice and steady.

A payout found

Split your payout

New payout from Swiggy

₹4,500

to split

₹3,200 to pots₹1,300 to spend

Smart split

Based on your due dates and past payouts. Nothing leaves HDFC Bank: pots are labels on your balance.

  • RentCompletes this pot

    ₹1,600

    36%

  • BillsCompletes this pot

    ₹400

    9%

  • Emergency FundCompletes this pot

    ₹300

    7%

  • New Phone

    ₹900

    20%

  • Spending moneyYours to use

    ₹1,300

    29%

This payout completes Rent, Bills and Emergency Fund. Rent and Bills are ready before they're due.

Confirm splitAdjust amounts
Split your payout

Payout split

₹4,500

From Swiggy · it all stays in HDFC Bank

4 pots₹3,200 set aside
  • RentComplete
    +₹1,600
  • BillsComplete
    +₹400
  • Emergency FundComplete
    +₹300
  • New Phone₹18,800 to go
    +₹900
  • Spending money₹1,300

Rent, Bills and Emergency Fund are now full. Nice and steady.

DoneUndo

You can undo for the next 5 minutes.

Split done

Pots

Set aside

₹13,000

Total goals

₹35,000

37% of your goals. It all stays in HDFC Bank.

Rent

Due 1 Feb
High priority
₹6,400 of ₹8,00080%
On trackView

Bills

Due 27 Jan
High priority
₹1,600 of ₹2,00080%
On track

Emergency Fund

No deadline
Medium priority
₹2,700 of ₹3,00090%
On track

New Phone

By July
Low priority
₹2,300 of ₹22,00010%
Needs attention
Add a pot
Pots

Linked accounts

HDFC Bank savings

Sharing through [Account Aggregator partner]
Active
What is sharedBalance and transactions
Used forSpotting payouts, keeping pots accurate
ChecksUp to 4 a day
Last checkedToday, 11:02 am
Consent ends24 Jan 2027

If you stop sharing

Your pots and history stay. We just stop spotting payouts, so you'd add income by hand.

Link another bank
Linked accounts

03What would prove it

A concept, and the tests it needs

Paisev wasn’t built or tested, so there are no results to show. Below is what it assumes, and how I would test each assumption.

How I would know it works Assumption

North star

Rent pots full on time

The share of users whose Rent pot is complete on the day rent is due. Rent is the worry every persona shares.

Leading signals

  • A first payout confirmed within a day

    Detection and the first question are working.

  • Most payouts split

    The suggestion is trusted enough to use.

  • Pots set up in the first week

    People see a goal worth naming.

Guardrails

  • Undo and heavy edits on splits

    The maths may feel wrong.

  • People who stop sharing bank data

    Trust is breaking.

  • The plan outruns the money

    How often pots end up bigger than the balance.

Sources: All measures are proposals for a pilot. They are counted from ledger events (labels written, undone, consents stopped), never from the money itself.

A north star, with its leading signals and guardrails

What I am assuming Assumption

Test firstImportant, little evidence

  • Riders will link a bank through Account Aggregator
  • Narrations are clear enough to spot platforms

Backed by evidenceImportant, some evidence

  • Labels alone change saving behaviour
  • Users trust a split they can see the maths for

LaterLess important, little evidence

  • 4 checks a day is often enough
  • 5-minute undo is long enough

Leave for nowLess important, some evidence

  • None of ours

Sources: Bland and Osterwalder, Testing Business Ideas (2019), for assumption mapping; Thaler, “Mental Accounting Matters” (1999), for the evidence behind labels. Placement is my judgement; nothing here was measured.

Importance against evidence: the top-left gets tested first
The test plan

What I would test next

Six people

  • Delivery rider
  • Delivery rider
  • Cab driver
  • Cab driver
  • Freelancer
  • Painter

  1. 01Link a bank

    Ifpeople won't link a bank

    Thenmanual entry becomes the main path.

  2. 02Confirm a first payout

    If“Is this from work?” confuses people

    Thenrecognition needs another pass.

  3. 03Split a quiet week

    Ifa small payout feels like failure

    Thenthe quiet-week rules change.

Six people, three tasks, and what each result would change

04What I learned

The engine came before the screens

  • LearnedDetection comes firstPots depend on the app knowing when money lands. Getting that wrong would have broken every screen after it.
  • LearnedRules can shape the designGoogle Play’s SMS rules and the Account Aggregator framework ruled things out, and what was left was simpler and safer.
  • LearnedThe saving already happensPeople already save in their heads, in chit funds and in groups. The product only has to write that down.
  • Next timeTest the assumptions firstWhether riders will link a bank at all comes before any screen polish.

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