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CLIFFORD BOK

| CREATIVE & PRODUCT LEAD

CLIFFORD BOK

| CREATIVE & PRODUCT LEAD

| Project Details

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VPay (Omni Bank Powered By AI)

Project Overview

VPay bridges the gap between crypto and real-world use by offering virtual cards for direct spending and an AI agent that tracks both Web2 and Web3 assets. Launched on Virtuals as a decentralized OmniBank, it lets users connect wallets, monitor portfolios, unlock tier perks, and manage their finances seamlessly across ecosystems.

Problem:

Most Web3 platforms struggle with real-world integration.They either,

Focus too much on speculative tokens without practical utility
Lack the infrastructure to support real-world spending
Feel overly complex, alienating mainstream users

There’s also a fragmentation of financial visibility. Users are forced to manage assets across multiple wallets, chains, and platforms without a central assistant or dashboard.

Solution:

VPay redefines what a modern crypto finance product should be:

Virtual card infrastructure for real-world spending
Multi-chain wallet support (MetaMask, Solana, etc.)
AVA – an AI finance agent that tracks and reports asset activity across chains and Web2 finance tools
A smooth, Web2-like interface, making it intuitive even for crypto newcomers
Tiered ecosystem with reward points, cashback, and launch perks

By unifying all these layers, VPay delivers a product that feels like a traditional neobank, but is fully powered by decentralized tech.

As the Creative & Product Lead, I was involved from day one, driving both the brand and product design direction. Responsibilities included:

Branding: Created the VPay identity, mascot, logo, and tone
UI/UX: Designed the complete product flow for mobile & web
Motion & Visuals: Directed cinematic assets, animations, and tier illustrations
Product: Helped shape user journeys across onboarding, staking, KYC, and AI interactions
Launch Strategy: Created all public-facing launch visuals and campaign content

Results:

180% overpledged on launch
Reached $1M FDV within 48 hours
Successfully positioned VPay as the most utility-driven launch on Virtuals

Timeline:

2025

Role:

Product Manager/ Creative Lead

Type:

Creative Direction and Product Design

Problem:

Most Web3 platforms struggle with real-world integration.They either,

Focus too much on speculative tokens without practical utility
Lack the infrastructure to support real-world spending
Feel overly complex, alienating mainstream users

There’s also a fragmentation of financial visibility. Users are forced to manage assets across multiple wallets, chains, and platforms without a central assistant or dashboard.

Solution:

VPay redefines what a modern crypto finance product should be:

Virtual card infrastructure for real-world spending
Multi-chain wallet support (MetaMask, Solana, etc.)
AVA – an AI finance agent that tracks and reports asset activity across chains and Web2 finance tools
A smooth, Web2-like interface, making it intuitive even for crypto newcomers
Tiered ecosystem with reward points, cashback, and launch perks

By unifying all these layers, VPay delivers a product that feels like a traditional neobank, but is fully powered by decentralized tech.

A glowing blue neon-dark theme reinforces the futuristic, high-trust nature of VPay:

Modular components and variant-driven design for scalability
VPay-exclusive icons for each feature (AVA, rewards, product updates, staking)
Emotion-led UI moments using the brand mascot
Bold typography and tier-based color codes for visual clarity

The website functions as both a pitch layer and a portal for onboarding into the VPay ecosystem.

Key UX goals:

Educate users clearly on how VPay works as a decentralized OmniBank
Emphasize real-world card utility and AI finance support
Drive pledges through Virtuals with clear CTAs
Stay mobile-first, cinematic, and brand-aligned with motion-supported interactions
Create the feel of a premium neobank, while retaining the tech-forward energy of Web3

Important Note:

For the initial launch version, the website was intentionally kept “dumb”. Earning it avoided over-explaining or previewing future features that were still in discussion or under development.

VPay (Omni Bank Powered By AI)

Focus too much on speculative tokens without practical utility

Lack the infrastructure to support real-world spending

Feel overly complex, alienating mainstream users

Virtual card infrastructure for real-world spending

Multi-chain wallet support (MetaMask, Solana, etc.)

AVA – an AI finance agent that tracks and reports asset activity across chains and Web2 finance tools

A smooth, Web2-like interface, making it intuitive even for crypto newcomers

Tiered ecosystem with reward points, cashback, and launch perks

Branding: Created the VPay identity, mascot, logo, and tone

UI/UX: Designed the complete product flow for mobile & web

Motion & Visuals: Directed cinematic assets, animations, and tier illustrations

Product: Helped shape user journeys across onboarding, staking, KYC, and AI interactions

Launch Strategy: Created all public-facing launch visuals and campaign content

180% overpledged on launch

Reached $1M FDV within 48 hours

Successfully positioned VPay as the most utility-driven launch on Virtuals

Focus too much on speculative tokens without practical utility

Lack the infrastructure to support real-world spending

Feel overly complex, alienating mainstream users

Virtual card infrastructure for real-world spending

Multi-chain wallet support (MetaMask, Solana, etc.)

AVA – an AI finance agent that tracks and reports asset activity across chains and Web2 finance tools

A smooth, Web2-like interface, making it intuitive even for crypto newcomers

Tiered ecosystem with reward points, cashback, and launch perks

Modular components and variant-driven design for scalability

VPay-exclusive icons for each feature (AVA, rewards, product updates, staking)

Emotion-led UI moments using the brand mascot

Bold typography and tier-based color codes for visual clarity

Educate users clearly on how VPay works as a decentralized OmniBank

Emphasize real-world card utility and AI finance support

Drive pledges through Virtuals with clear CTAs

Stay mobile-first, cinematic, and brand-aligned with motion-supported interactions

Create the feel of a premium neobank, while retaining the tech-forward energy of Web3

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