All Work

SETTL Network

Designing a Privacy Payment Network from Zero to Launch

I led product and brand for SETTL — a privacy-focused L1 payment chain built on ZK proofs — from undefined enterprise requirements to three live surfaces and 5+ tier-1 institutions in active legal contracting.

Company Ava Labs
Role Senior Product Designer
Timeline 2025–2026, 8 months
Team Design lead on a ~12-person core team across protocol, frontend, infrastructure, marketing, and GTM
  • Product Strategy
  • Brand
  • Payment
  • 0→1
SETTL Network

The situation

SETTL is a privacy-focused payment chain built on the Carbon Protocol — private, compliant, and extremely fast. It targets tier-1 financial institutions and PSPs in a fast-moving competitive field (Tempo, Arc, Plasma).

I joined the ~12-person core team at Ava Labs as the design lead across product, brand, marketing, and GTM. The product was originally called AlphaPay; partway through, leadership decided to reposition. I built the original brand, then led the migration to SETTL — two full identity systems shipped without losing continuity.

The job was translation and finding the balance

Between a complex blockchain protocol and a multi-faceted user base. Between web3 engineers and financial institutions. Between racing the market and showing up mature enough to be trusted by it.

Translation is a real design discipline. Most product design assumes the categories already exist — user, product, market. When none of them do yet, the design work is defining the categories, not styling them. Two problems sat at the center of that work.

See it live

Problem 1 — Land a brand under pressure

The brand had to read as bank-grade to a Goldman risk team and engineer-respected to a protocol architect — same artifact, two readings.

That tension showed up internally too. Engineers were driving protocol decisions and held strong opinions on technical positioning. Leadership leaned toward a traditional finance narrative. Aligning these required real fluency in both — enough technical understanding to hold ground with engineers, enough business sense to translate for institutional buyers.

By that point, the team had spent months heads-down on protocol and infrastructure. We needed a GTM strategy and brand identity — fast — to convert that technical foundation into something institutional partners could evaluate.

On top of that, we were operating against well-funded competitors with more leverage. Time was the binding constraint. We had to sequence the roadmap into stages that could plausibly win — technology-led first, partner-led next, business-narrative-led after — while managing parallel processes that don’t usually run in parallel. The cleanest expression of that pressure: I was designing the SETTL logo while it was still being trademarked, with no guarantee we’d get full legal approval, and with the domain and social handles also in motion. The work had to be good enough to use immediately and disposable enough to walk away from if it didn’t clear.

What I did

How I drove alignment

Brand decisions were getting made in opinion battles. Strong views, no shared vocabulary, no framework for what “good” looked like.

The team had an upcoming offsite scheduled with engineers, which was the right forum: most of the people whose opinions had to align were already going to be in one room, and the agenda already covered GTM and product. I designed a structured workshop into that time so we walked in with positions to compare.

Designing the workshop

Pre-work. I sent a survey covering positioning, audience priorities, and tone-direction questions, plus a competitive analysis of ~14 reference sites grouped by stance (institutional, modern/clean, bold/technical, privacy-forward). Participants completed the survey before the session, so we walked in with everyone’s positions already on paper. That also let me see exactly where the misalignment was, and design the session to focus on the issues that actually mattered instead of the easy ones.

The room. Protocol engineers, the product CEO, marketing, front-end engineers, and a QA engineer — most of the people whose opinions any later brand decision would have to satisfy.

Activities, in order.

  1. Persona definition and prioritization — produced an agreed primary/secondary audience, which made every later debate resolvable by asking “for which persona?”
  2. Tagline selection, framed as “if you were to tweet, what would you write?” — narrowed candidates against the persona output.
  3. Competitive marking exercise — like/dislike voting on real reference sites, giving non-design folks a concrete object to react to instead of an abstract debate.
  4. Tone-direction scales — sliders on dimensions like conservative ↔ bold and technical ↔ accessible, with real examples placed on the scale, forcing positional commitments instead of vague preferences.
The full SETTL brand workshop board — five activities sequenced into a single working session: targeted audience personas, write-a-tweet exercise, site review like/dislike voting, brand keyword selection, and tone-direction scales
The full workshop board — five activities sequenced into a single working session.

The artifacts that did the heavy lifting. Two outputs kept getting referenced after the room cleared. The persona prioritization board gave us a primary/secondary audience the rest of the work could be tested against — every later “is this on-brand?” debate became resolvable by asking for which persona? The tone-direction scales turned vague preferences (“modern,” “trustworthy”) into committed positions on a small set of axes, so future calls could anchor against where the team had landed instead of restarting from feel.

Driving alignment when people disagreed

On the tone-direction scales, debates kept getting tangled in surface-level distractions — reference examples carried their own visual baggage that wasn’t actually about the dimension we were measuring. The move that worked was pausing the discussion and routing it back through the target audience: which persona is this for, and what would they read first? As the designer in the room, I could usually tell which objections were real signal and which were noise — and where I was confident a direction would land for everyone once the noise was filtered out, I’d say so and we’d move on.

The hardest disagreement was the traditional-enterprise ↔ cutting-edge axis. Engineers wanted something cool and tech — bold, web3-native design. Leadership wanted banking — restrained, enterprise-grade. On the surface, those positions read as mutually exclusive. Underneath, there was a shared consensus: this wasn’t web3 infrastructure looking for a use case, it was infrastructure with a real business application. So I committed to a 70-30 split — 70% earning trust through transparency and restraint, 30% naming the groundbreaking technology underneath. Both sides could read what they cared about in the result.

What landed wasn’t just a visual direction. The workshop named what actually set the product apart: solving the impossible triangle of speed, compliance, and privacy.

What came out

A dense grid of post-workshop visual explorations for the SETTL brand — dozens of mocked layouts, type lockups, and imagery directions clustered by tone and audience, each tested against the workshop's persona and tone-scale anchors
Post-workshop visual exploration. The volume was only possible because the workshop had already settled what each direction had to be true to.

Problem 2 — Make privacy legible as trust

Encrypted balances. Ring-protected recipients. Selectively revealable transactions. Auditor keys. These are innovative protocol features. None of them have an established UX pattern. Tier-1 buyers don’t know what any of those words mean.

I worked the problem across four surfaces, each translating a different layer of the protocol.

The four surfaces

A favorite design decision: encrypted ≠ missing

When we reviewed the early Explorer designs, engineers pushed back: don’t show the encrypted data — no one can read it anyway, so why surface it? My counter was two-part. From the user side: a transaction with no amount field at all looks broken, not private. The user wonders if something’s missing. From the business side: native encryption is the differentiator. Our protocol’s privacy architecture was, I believed, the strongest in the field — no one else had achieved it at this layer. Hiding it in the Explorer would be hiding the thing that makes the product remarkable.

So the question shifted: how do we show encryption in a way that signals confidentiality, not absence?

Early explorations leaned redundant or paranoid — heavy redaction marks, dense overlays. They read as suspicious, not safe. The breakthrough came from looking outside the screen entirely.

First inspiration reference — a conventional receipt-style layout that informed the first exploration directionSecond inspiration reference — heavy redaction marks and dense overlays from classified-document styleExploration 1, variant A — encrypted-field treatment in the conventional receipt directionExploration 2, variant A — redundant/paranoid encryption treatment with heavy redaction marksExploration 1, variant B — encrypted-field treatment in the conventional receipt directionExploration 2, variant B — redundant/paranoid encryption treatment with heavy redaction marksExploration 1, variant C — encrypted-field treatment in the conventional receipt directionExploration 2, variant C — redundant/paranoid encryption treatment with heavy redaction marks
Two early directions, both not ideal: a conventional receipt layout (left) doesn’t sell privacy; heavy redaction (right) read as suspicious.

Real-world veiled receipts and dot-matrix carbon copies — the kind banks and government offices used for decades — communicate confidentiality through form, not absence. The data is there, but you can tell at a glance it’s protected. That became the visual language for encrypted fields in the Explorer.

Final inspiration — a real-world veiled letter, where confidentiality is communicated through form rather than absence
Real-world inspiration: a veiled bank letter.
The transfer receipt as it appears in the live Explorer — full screen view in product context
The transfer receipt in product context.
Final design — Explorer receipt for a deposit transaction with encrypted fields treated as a styled artifactFinal design — Explorer receipt for a transfer transaction with encrypted fields treated as a styled artifactFinal design — Explorer receipt for a withdrawal transaction with encrypted fields treated as a styled artifact
Final designs across deposit, transfer, and withdrawal.

The principles I worked from

How the work got made

This was the first project where I pushed production code on a regular basis. The workflow shifted by task type:

The throughline: pick the medium that lets the next decision happen fastest. Code for things that already exist and need refinement. Figma for things that don’t exist yet and need shaping. Neither tool is a default — the work decides.

This is what made it realistic for one designer to own brand, product, and marketing site simultaneously. It also changed how engineers and I worked together: when I showed up with a working PR or a prototype already running against the real protocol, the conversation skipped past “is this technically possible” and went straight to “is this the right behavior.”

Impact

3 Live surfaces shipped
5+ Tier-1 partners in active legal contracting
2 Scalable brand systems shipped

The foundation is sized for what’s next — more verticals, more surface apps, the same brand and design system carrying them.