Pocket Change Wireframes

2a · Who

I’m the lender They’re borrowing from me I’m the borrower I’m borrowing from them

Borrower’s name

Borrower’s phone *

Borrower’s email * (ripcord)

Email keeps the loan if Mom’s number changes

My phone *

My email *

2b · Running tab or fixed-purpose?

What am I setting up? Running tab Open balance between us · first charge creates it · one active tab per pair Fixed-purpose loan Named principal + schedule (Boat, Car…) · stays the contract after Funded · extras → tab or new loan

High fork Tab skips the full fixed schedule. Fixed keeps principal + schedule UX. Optional Note on both — edit needs mutual re-agree.

2c · Tab setup

Tab rules First charge creates the balance (starts at $0). One active tab per pair (me ↔ other). No principal upfront.

Tab nickname *

Yardstick (pick one) Target date We recalc payment to hit the date · I can reset or clear the date later (as lender) Fixed payment Duration extends when we add charges · I can reset $ later (as lender)

Target payoff date

Payment sized to hit this date from current balance (after first charge).

$ per payment

New charges extend how long it takes — payment $ stays until I reset it.

Reminder cadence Weekly Monthly Twice a month

Tab preview

Target Mar 1, 2027 · payment recalcs after first charge

Balance $0 until first charge · one tab with Mom

Optional Note (both see · edit = mutual re-agree)

2c · Nickname & money · fixed

Loan nickname *

Principal $

Pricing No fee $0 · borrow = payback (F&F default) Flat fee Add a one-time fee $ Installment % Annual rate · term → payment + est. total

Flat fee $ (configurable)

Annual interest %

Plain-language preview

$1,000 pay back

Borrow $1,000 → pay back $1,000 · no fee

2d · Schedule · fixed

How do I want to define the loan? A · Length of time (months) Pick how long · we size each payment B · Payment amount ($ per payment) Pick what I can pay · months derived in preview

Length (months)

$ per payment

Frequency Weekly Monthly Twice a month

Schedule preview

Monthly · On the 15th · 24 months

First due after funded · next matching day

First due

Clock starts only when lender marks funded · optional exact date OK if known

First due date (optional)

2e · Late & trust

Late fee $ $0 No late fee $15 $25 Custom…

$0 = no late fee

Custom late fee $

$0 = no late fee

If Mom is late… Right away Fee posts as soon as it’s late After a grace period Wait N days, then fee I’ll decide whether to add the late fee

Wait (days)

Days after due before the late fee applies

Mom gets a reminder Last day before a late fee would apply (if still unpaid).

When Mom sends a payment receipt Count as paid right away Receipt from known channel Wait for me to confirm

2f · Review & send

Boat

Me (lender) ↔ Mom (borrower)

KindFixed-purpose loan

Borrow$1,000.00

Pay back$1,000

ScheduleMonthly · On the 15th

Payment$43.87

For24 months

First dueAfter funded

PricingNo fee · borrow = payback

LateWait 10 days, then $15

ReceiptsCount as paid right away

Note—

Optional Note (both see · edit = mutual re-agree)

F&F tracker · not a lender · we never touch your money

Send invite

Send invite → drafter OTP if not verified · Tab → agree-tab sample · Fixed → agree

Propose a loan