BitPay Hodl Pay

Spend crypto without selling via borrowing on Aave.

Client

BitPay

Services

Visual Design UI & UX Design

Industries

Crypto

Date

2025

Revolutionary DeFi-enabled payment solution that allows crypto holders to spend without selling their assets by seamlessly borrowing stablecoins against their holdings through Aave protocol integration.

I designed the first integration between DeFi lending and payment checkout, enabling users to borrow against their Aave positions directly within BitPay's invoice system, transforming a complex multi-platform process into a seamless payment option. The solution eliminated complex multi-step processes by creating a unified flow from borrowing to payment completion, while building in intuitive health factor monitoring and proactive warnings to prevent user liquidation.

As Lead Product Designer, I conducted extensive UX research across DeFi and mainstream crypto platforms to understand the ecosystem and usecases. I then designed the interactions between BitPay, Aave, and various wallet providers to create a seamless one-transaction experience. My design strategy focused on progressive disclosure patterns that made sophisticated DeFi lending accessible to mainstream users, while ensuring transparent risk management to prevent financial harm.