$29.40
→
$0.00
The user tapped Earn. The app erased their balance.
The user tapped Earn. This is what happened.
"One clean app surface: balance, card, send, earn. No 'move to savings', no vaults, no clicks. Money shouldn't nap."
Before deposit: $29.40. After deposit: $0.00. The transaction appears as -$29.39 in the activity feed, visually identical to spending money. The user did what the app asked and their wallet now looks empty.
The banner still reads "Earn with your stablecoin!" on a zero-balance screen. The prompt that caused the problem is still prompting.
One clean app surface: balance, card, send, earn.
Three disconnected balances. The biggest one says $0.00.
"Under the hood: yield, multi-chain routing, best-route swaps, programmable money." Target user: "someone who wants better rewards, yield and crypto upside without scary UX."
The home screen banner says 3-7% APY. The Earn screen offers one option: a Morpho/Steakhouse vault at 3.53%. There is no way to get 7%. There is no way to choose. The promise on the home screen does not match what is behind it.
| Provider | USDC Yield |
|---|---|
| Ramp Wallet | 3.53% |
| Aave V3 | ~4.2% |
| Coinbase | ~4.5% |
| Maker DSR | ~5.0% |
If the pitch is "money shouldn't nap," the rate cannot be the lowest in the market.
The vision says the plumbing goes under the hood. The deposit screen shows: protocol name, vault manager, spending cap, contract address, wallet hex, and a "Powered by Morpho" footer.
29.393484 USDC). Money apps show dollars and cents.0xa59B...321E71, 0xbeef...c7D048). In a money app, these do not exist.Before the user even deposits, the Earn screen shows a blank page with "0 USDC" in the center. No explanation of what Earn is or why it's worth doing.
Under the hood: yield, multi-chain routing, best-route swaps. The user sees simplicity.
A balance that erases itself after a deposit. A deposit flow that looks like a DEX terminal. A banner that promises rates the app can't deliver.
These are not three problems. They are one problem.
The app is shipping a DeFi dashboard and calling it a money app. Every feature pulls in a different direction. The vision doc describes one product. The shipped app describes three products stitched together. The word for that is incoherence.
"$100 in rewards waiting in your Ramp wallet. 50% fee refund on first 3 swaps. $40 for card activation. $10-$15 in partner tokens." Every step in the activation ladder has a dollar amount.
The Rewards screen leads with: 0.01 USDC Earned. Loyalty 1/9. 2 Transactions. The first number a user sees after engaging with Rewards is one cent.
"There's a reward waiting for you!" says the green banner at the bottom. What reward? The banner doesn't say.
The loyalty gauge shows 1/9 with no explanation of what happens at 9. The missions screen shows progress counters and no dollar amounts. This is a to-do list that pays out a penny.
The vision doc puts a dollar amount on every step. What shipped shows missions with progress counters (0/2, 0/3) and no indication of what completing them earns.
"$100 in rewards waiting in your Ramp wallet." A number on every step. A reason to take the next one.
A checklist of chores with no visible reward. The incentive is the engine. Without it, nothing moves.
Nine things on the list. Most take a week. The tenth thing takes a conversation: decide what this app is. The vision doc already answered that question. The product forgot.