Harbor

Low-fidelity wireframes
Structure-and-flow wireframes for the Harbor neobank (US market, mobile). Grey boxes and bars stand in for real content deliberately — the goal is to lock layout, hierarchy, and flow before visual design. Each page opens a set of screens for one area or journey.
01 · Navigation
The five tabs
Home, Activity, Cards, Payments, Insights
02 · UC-2
Send money
Recipient → amount → review → auth → success
03 · UC-2 edges
Send — edge cases
Insufficient funds; first-time-payee step-up
04 · UC-2 rails
US send rails
P2P, ACH, instant RTP/FedNow, own accounts
05 · UC-2c
Instant bank linking
Plaid-style flow + micro-deposit fallback
06 · UC-2b
P2P claim flow
Invite, claim, and the three terminal states
07 · UC-6
Onboarding & KYC
Welcome → details → ID → selfie → setup → ready
08 · UC-6 outcomes
KYC outcome states
Approved, retry, under review, couldn't verify
09 · UC-4
Cards management
Freeze, reveal, limits, report lost/stolen
10 · UC-5
Bill pay & scheduled
Now/Later/Repeat, manage, failure recovery
These are low-fidelity wireframes — not final visual design. UC references map to the use cases in the Harbor design brief. "Harbor" and its logo are working names pending trademark, domain, and app-store clearance.