🚄User Experience & Flow Design

SME Cross-Border Payment Journey

[Business Owner] → [AAPP Dashboard] → [AI Agent Analysis] → [Optimized Execution] → [Real-time Tracking]

│ │ │ │ │

Initiates Uploads Reviews agent Approves Monitors

$5K payment invoice data recommendations execution progress

to supplier automatically • Route: M-PESA • Funds held • Live status

in Kenya • Amount: $5,000 • Cost: $47 (0.94%) in escrow • ETA countdown

• Recipient info • Time: 45 seconds • Instant start • Completion

• Payment reason • Success rate: 99.2% confirmation

Agent Decision Flow

Payment Request → Market Analysis → Route Optimization → Risk Assessment → Execution

│ │ │ │ │

• Amount • Exchange rates • Cost comparison • Sanctions • Fund

• Destination • Network status • Time estimation • KYC check transfer

• Urgency • Liquidity depth • Success prob. • AML scoring • Monitor

• Constraints • Regulatory req. • Risk factors • Fraud detect. • Confirm

Mobile Interface (USSD Compatible)

*384*1# → AAPP Menu

1. Send Money

2. Check Status

3. Exchange Rates

4. Transaction History

*384*1*1# → Send Money

Enter Amount: 50000

Enter Country Code: 234 (Nigeria)

Enter Phone: [phone]

Confirm? 1=Yes 2=No

AI Agent Found Best Route:

Route: Airtel → USDC → GTBank

Cost: 450 KES (0.9%)

Time: 1 minute

Success: 99.1%

Confirm: 1