Busha is a digital platform that helps people in Africa manage their wealth through cryptocurrency. Many users buy assets like Bitcoin because they want their money to grow over time. However, life happens. People often need quick cash for emergencies, business stock, or daily bills.

In the past, if a user had Bitcoin but needed cash for a bill, they had to sell their assets. This was a bad experience because they lost their investment position. If the price of Bitcoin went up the next day, they missed out on those profits. Users were forced to choose between their future wealth and their current needs.

We designed Busha Loans to solve this problem. The feature allows users to use their crypto as a security deposit. This means they can keep their Bitcoin while getting an instant loan in local currency. Once they pay back the loan, their Bitcoin is fully available again. It is a way to get cash today without sacrificing the growth of tomorrow.

Financial products are often full of complicated words. My goal was to make a professional lending tool feel simple and accessible.

1. Direct Input for Immediate Clarity.

Instead of using complex forms, we used a familiar direct input field. Users simply type the amount of cash they need. The app automatically shows them how much crypto is required for the deposit. This provides real-time feedback and removes any guesswork.

2. Explaining LTV (Loan-to-Value)

LTV shows how much a user has borrowed compared to the value of their deposit. To make this clear, I focused on these elements:

• The Visual Status Bar: I used a color-coded bar that moves from green to orange as the risk increases.
• The Liquidation Point: I clearly labeled the 90% mark. This tells the user exactly when their deposit is at risk of being sold to cover the loan.
• Plain-English Explanations: I included a simple popup that explains exactly what LTV is and what a user can do to lower it.

3. Smart Feature Discovery

We chose to introduce the feature exactly when the user needs it most. If a user tries to sell a coin that is eligible for a loan, we display a helpful banner on that sell screen. This reminds them that they can get cash without actually giving up their assets. It turns a potential loss into a helpful choice for the user.

4. Managing Loan Repayments

Repaying a loan should be as easy as taking one out. I designed the flow to be flexible and transparent.

• The Repayment Dashboard: The interface gives users a bird’s-eye view of all their active loans.
• Real-time Interest Tracking: Users can see exactly how much interest has been added to their loan daily.
• One-Tap Actions: From the main screen, users have clear buttons to either “Repay” or “Borrow more”. This allows them to react quickly to market changes.

• Contextual Assistance: We prioritize helping users at their point of need by offering alternatives to selling when they are already on the transaction screen.
• Empowering Choice: By surfacing the loan option during a potential sell, we provide users with the information they need to protect their long-term growth while meeting immediate cash needs.
• Preventive UX: This strategy acts as a safety net, ensuring users are aware of less permanent ways to access liquidity before they commit to a final sale.

By focusing on clear input fields and visual status bars, we turned a complex financial concept into a daily utility. The product successfully bridged the gap between the “Grow” and “Spend” pillars of our ecosystem. Users can now handle their immediate financial needs while staying confident that their long-term investments are still working for them.