“The art of life is a constant readjustment to our surroundings” -Kakuzo Okakaura
The Problem: A Modern Economy, an Outdated Process
Real estate is one of the world’s largest asset classes yet when it comes to transactions, it still lags behind. While fintech has revolutionized banking, lending, and commerce, property financing remains stuck in legacy systems.
As I dug deeper, the problem crystallized:
Outdated payment systems, fragmented experiences, and inflexible financing structures were slowing down a trillion-dollar industry.
How might we redesign real estate payments to feel as seamless as a tap on your banking app?
Discovery: Enter the Complexity
Before sketching screens, I stepped into the shoes of users buyers, developers, and real estate managers.
User Interviews with home buyers revealed stress around unclear payment schedules and unreliable confirmation timelines.
Property Developers cited friction in tracking large inflows across multiple accounts and currencies.
Analytics + Desk Research showed the root problems: manual reconciliation, no support for global transactions, and no structured way to manage flexible payment plans.
Design Strategy: A Fintech-First Experience for Real Estate
Real estate doesn't just need a product.
It needs a financial ecosystem something that combines the intelligence of fintech with the flexibility of real-world transactions.
So I focused on three design pillars:
Simplicity: Users don’t want to “do finance” they want to “own property.”
Transparency: Show users where their money is and what it’s doing.
Flexibility: Let users tailor payments to fit life, not the other way around.
Mapping User Flow
Created journey maps to identify friction points and optimize payment interactions.
Solutions: Engineering Financial Clarity and Confidence
Seamless Payment Infrastructure
Real-Time Confirmation: Users get instant validation no more “pending for 3 days.”
Bank-Grade Security: Every transaction mirrors what users expect from online banking.
UX Strategy: I used familiar banking micro-interactions to build trust progress indicators, real-time status, and reassuring confirmations.
Cross-Border, Multi-Currency Payments
Real estate is global, our payment engine needed to be too.
Autodetect Currency Engine: Let users pay in their local currency.
Borderless Payment Flows: No third-party bank hoops, just a smooth transaction layer.
Inspired by platforms like Stripe and Wise, I reverse-engineered their flows for property-specific needs.
Smart Installments & Autopay
Buyers didn’t want to think about when their next deposit was due. They just wanted peace of mind.
Autopay Options: Daily, weekly, monthly with full visibility and control.
Guided Setup: A soft, no-jargon onboarding process made setup painless.
Psychology Used: Cognitive load reduction. By offloading mental reminders and deadlines, users feel calm and in control.
Wallet & Locked Savings for Smarter Financing
Secure Digital Wallet: Users can store, transfer, and receive funds directly within the platform.
Future Home Fund: Buyers allocate savings towards property purchases, promoting financial discipline.
Built for Scale: Veerge by Myxellia.io
Beyond individual users, we also designed Veerge a robust toolkit for property developers.
What Veerge Enables
1. Instant Digital Platform
Launch a fully branded web and mobile app in days. Showcase listings, onboard buyers, and manage transactions: all in one place.
2. Built-in Payments
Autopay, wallet integration, smart tracking, and real-time receipts powered by Myxellia’s secure fintech engine.
3. CRM + Analytics
Track leads, automate follow-ups, and view buyer progress from inquiry to key collection. Insights built in.
4. Digital Docs & Contracts
Buyers upload documents, sign agreements, and download invoices all digitally.
5. AI Buyer Assistant
Answer FAQs, recommend payment plans, and support buyers 24/7 without extra staff.
Veerge Engine: Instant Apps, Native Payments, Zero Code.
100+ Templates: Web and mobile apps built automatically based on selected modules.
Integrated Payments: All revenue streams (installments, deposits, escrow) managed natively.
Plug-and-Play Design: Minimal developer work, maximum output.
Key UX Feature: A no-code dashboard for managing projects, payments, and user journeys.
Impact: How Myxellia is Reshaping Real Estate Payments
200% faster payment processing
2× increase in buyer engagement
98% transaction accuracy
Enabled global reach, unlocking new revenue pipelines for developers
Key Takeaways: What I Learned
Fintech is emotional. People don’t just want to use your product they want to feel safe doing so.
Design systems must reflect mental models. Whether you’re saving for a house or wiring millions, the interface should feel trustworthy and familiar.
Cross-industry learning is gold. Fintech solved these problems years ago I borrowed their best patterns and reimagined them for real estate.
Closing Thought
Myxellia isn’t just modernizing real estate finance—it’s rewriting it.
A payment experience where trust, clarity, and simplicity are designed in.
A future where owning property is as seamless as buying coffee online.
Smarter payments. Faster transactions. A future-ready platform.
This is Myxellia.
