Externalize complexity
Turn an invisible policy model into a sequence users can inspect and control.
01 / ZAND BANK2024—PRESENT
Digital finance for institutions and private wealth.
Zand
Bank
Digital Asset Custody
Making complex authorization rules understandable.
Authorization Matrix is a core control system within Zand’s digital asset custody platform. Over more than a year, the experience evolved through five major versions—balancing enterprise governance, operational clarity and guidance for high-stakes decisions.
05Major iterations
1+ yearContinuous evolution
≈ AED 200MInstitutional client investment after launch
THE REDESIGN LOGICFrom rule builder
From rule builder
to decision support.
Explain consequences
Place operational meaning next to the choice instead of relying on prior expertise.
Guide without limiting
Offer a simpler guided path while preserving the flexibility required by enterprise teams.
VERSION 01
Making the policy visible
The first version translated an invisible authorization policy into a four-step workflow: business type, initiator, approver and confirmation. It established the core mental model, while exposing the density of rule creation.
Authorization Matrix / 01
VERSION 02
Reframing governance
The platform language shifted from general system management toward core policy governance. Modification support and explicit member selection reflected a product expanding beyond a single authorization scenario.
Authorization Matrix / 02
VERSION 03
Explaining consequences
Authorization became Approval, while contextual explanations and API-access warnings moved into the workspace. The interface began teaching users what each configuration would mean operationally.
Authorization Matrix / 03
VERSION 04 / GUIDED MODE
Turning complexity into a guided decision.
Version four introduced an optional Quick Guide. Instead of asking users to understand the entire rule system at once, it broke the decision into focused, low-risk choices.
Authorization Matrix / 04
Choose how the team collaborates
Clarify responsibility before configuring individual actions.
Define the business context
Translate system language into two clear operational choices.
Confirm permitted actions
End with an explicit summary instead of an ambiguous configuration.
VERSION 05 / CURRENT
A system that teaches while it works.
The fifth iteration refined hierarchy, instructional microcopy and multi-stage approval cues—preserving flexibility while making each consequence easier to understand.
02 / ZAND WEALTH APPPrivate wealth,
Private wealth,
made more human.
ONE RELATIONSHIP.
EVERY ASSET.
EVERY ASSET.
A unified mobile experience for private banking clients—bringing accounts, deposits, investments and digital assets into one clear view of their financial relationship.
≈ AED 900MTotal client investment across the Wealth App
A cinematic welcome establishes warmth and privacy before the first financial decision.
THE PRODUCT IDEASee the whole relationship,
See the whole relationship,
not a collection of accounts.
Relationship value
A single number summarizes the client’s complete position across the bank.
Asset allocation
Accounts, deposits, investments and digital assets become one legible portfolio.
Direct actions
High-frequency tasks remain available without disrupting the overview.
THE WEALTH ECOSYSTEMFour financial worlds.
Four financial worlds.
One visual language.
01 Investments02 Portfolios03 Digital assets04 Term deposits
01 / 04
Investments
A consolidated wealth view connects gross asset value, risk profile and product discovery.
02 / 04
Model portfolios
Returns, volatility and risk are compared with the same hierarchy—supporting confident selection.
03 / 04
Digital assets
Custody, deposits, withdrawals and transaction history live inside the same private banking ecosystem.
04 / 04
Term deposits
Savings products remain simple to scan, with tenure, status and value visible at a glance.
