Krepp — Cash against your phone

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Cash against the phone in your pocket

UX/UI Designer D-Tech Baku 2022 krepp.app

Krepp lends 100 to 1,000 manats to a bank card, and the collateral is your smartphone. It is pledged digitally by its IMEI — you keep using it — and it gets blocked only if the loan isn’t repaid. I designed the app: the application from IMEI to money, identity checks, the home screen that tracks the debt, and both themes.

This phone replays the home screen’s two states from the design: days left, then the warning. The amount is illustrative.

100–1,000 ₼

loan, paid to the borrower’s bank card

IMEI

the phone is the collateral, pledged digitally and kept in use

ID + face

identity through the ID card and a SİMA video check — no branch visit

18–65

citizens of Azerbaijan with a registered smartphone

Impact

Krepp is live in the App Store. I don’t have its loan or conversion data, so this page shows the decisions, not results.

01 — Apply

From IMEI to money, one decision per screen

The application is a straight line with no branches to get lost in: the phone, the amount, the ID, the face, the bureau check, the offer, the card. Every screen asks one thing and says why.

Sorğu MKR-a göndərilirSorğu ASAN Finansa göndərilir

Amount250 AZN Duration10 days Daily interest rate1 % Pledgeİphone 13 İMEİ1284732412234234 The date of the loan28.09.2023 Loan repayment date08.10.2023 The amount to be paid275.00 AZN

Enter the IMEI — **The phone**Its IMEI is the collateral, so it comes first.

How to find the IMEI, with an illustration — **Where to find it**A short how-to instead of a support call.

Application: term ring in days, workplace, ID serial, amount, contact person, consent — **Term and amount**The term is the same ring the home screen will show later.

ID card: upload or scan — **ID card**Upload a photo or scan it in place.

Face scan, 75% scanning — **Face**Move your head to close the circle.

34%: request sent to ASAN Finans — **The check**The app says who it is asking — the credit bureau, ASAN Finans — while it waits.

The result: amount, duration, daily rate, pledge, IMEI, dates, amount to be paid — **The offer**Everything in one table, including what you will pay back.

Approved: choose a card to receive the funds — **The card**Pick a saved card or add one; the money goes there.

02 — Trust

Signing a loan with your face

There is no office to sign in. The agreement and the rules are a readable document with a table of contents, and the signature is a face photo taken against the ID. A refusal says what it is based on.

Agreement and rules with contents — **Agreement and rules**Contents first, then the text.

ID approval and signing of contracts: fit your head into the circle — **Sign**A face photo, matched to the ID.

Your ID has been added successfully — **Done**Each check ends on its own confirmation.

The application is refused due to non-compliance with the internal rules — **Refused**The same visual language, in red, with the reason.

03 — Owing

One ring: what you owe and how long you have

After the money arrives the only question is “how much, until when”. The home screen answers it with a single ring: the amount in the middle, the days left around it. When the term runs out the ring turns red and the screen says the honest consequence — the phone will be blocked — with the pay button right under it.

Home: 230 manat, 13 days left — **On time**Amount and days, nothing else to read.

The loanDelay, amount to pay and the pledged phone.

Payments: progress bar from 0 to the amount due, history below — **Payments**The term as a bar, the history as a list.

Attention! Your phone will be blocked after 15 days, Pay 200 — **Late**The ring turns red and the button moves up.

Term of the loan is over. Your phone will be blocked. Pay now — **Term over**A dialog you can’t miss, and still a way out.

04 — Two themes

Light and dark, the same meaning

Every screen exists in both themes — the application, the check, the debt. In the dark one the rings become a glow, but the colours keep their job: calm while there is time, red when there isn’t.

05 — Around the loan

Everything else stays out of the way

Profile, cards, history, rules and support live behind one menu of large tiles. A new user without a debt gets a home screen that points to the two ways to get money instead of an empty ring.

Home without a loan: welcome and where to go — **No loan yet**A welcome and the next step.

MenuEight tiles, nothing nested.

Banks grid with logos and search — **Banks**By logo, with search.

Login by phone number — **Login**By phone number.

Some application screens carry the “E-Borc” mark — the name of the loan product inside the app; Krepp is the app around it.

A loan you can read at a glance

A lending app for Azerbaijan: apply with the phone as collateral, verify without a branch, and always know what you owe and how long you have — in light and dark.