Travel Rule Compliance

Crypto Regulations

  • Problem

    Shifting EU crypto rules, including the Travel Rule, disrupted payments, receivables, and beneficiary flows—demanding scalable UX aligned with compliance.

  • Goal

    Create a seamless, scalable experience that meets regulatory demands without disrupting user trust or flow.

  • Solution/Approach

    Designed Travel Rule modals for payments, payouts, wallets, and beneficiaries for individuals and businesses across Gibraltar and the EU.

Project Details

  • Role

    Lead Product Designer (supported by eCommerce Product Designer)

  • Tools

    FigJam, Figma, Jira (tickets), Slack (communication)

  • Team

    Collaborated with 2 PMs, 3 Developers, 5 engineers, and Compliance & Legal teams.

  • Duration

    4 months (Jan - May 2025)

Design Process

  • 1. Discovery

    Partnered with PM and Compliance to turn a vague Jira (Confluence) request into a clear, compliant user flow using conditional logic.

  • 2. Define

    Mapped 21 regulatory cases across Treasury Solutions and eCommerce platform products—covering both fiat and crypto flows.

  • 3. Ideation & Design

    Owned end-to-end UX. Designed 21 forms and 84 flows, including full eCommerce coverage while a teammate was on leave.

  • 4. Validation

    Worked with Compliance to resolve edge cases and refine flows—balancing regulatory complexity with usability.

  • 5. Impact

    Launched on schedule with zero compliance issues or support tickets. Recognised for adaptability and cross-functional delivery.

Initial Travel Rule diagram (types of senders)

  • Sender flows (Individual + Business)

User Flow (Inbound payments)

  • This flow was designed in collaboration with the eCommerce Product Designer for the initial scope of the project.

Download PDF

Ideation

  • Co-led an ideation workshop with the eCommerce Designer, annotating legacy screens to integrate Travel Rule elements - such as the Info Required status and redesigned modal - while minimising users disruption.

Inbound Payments flow (sender types)

Mandatory Forms

  • Designed PPDL (Primary Principal Data Location) and PPOU Primary Principal Operating Unit) flows for EU + Gibraltar merchants (individuals + businesses) using conditional logic, adapting quickly as scope and regulatory priorities evolved.

Conditional Logic

(PPOU + PPDL)

Impact & Metrics

  • Zero Failures

    No regulatory errors across EU + Gibraltar merchants post launch.

  • Full coverage

    All platform flows supported: Payments, Payouts, Wallet Addresses, and Beneficiaries

  • Fewer Manual Checks

    Reduced compliance review workload

Recognised Impact

  • “Sarah made a high-impact contribution by delivering the Travel Rule on schedule, a complex business and regulatory requirement. This success was driven by her exceptional cross-team collaboration and ability to meet an aggressive deadline.”

    — Lead Product Designer & Manager, Orbital

Reflection

  • Turned complex and ambiguous crypto regulations into a scalable, user centred design system spanning 21 forms and 84 flows. Delivered this time sensitive project under pressure through strong cross team collaboration, balancing compliance requirements with a seamless user experience.