CurrencyTransfer · internal · draft v0.2 · 9 Sep 2026 · numbers from the production DB

The client journey,
box by box.

Every box is one experience a client has with us, from the first click to the second trade and the referral. Each box gets an owner, a number that says how well it works today, and a written answer to one question: what does the best version of this look like?

automated message (exists in code)a person does thisplanned, not built
12%of sign-ups go on to make a first trade. Personal 14.7%, corporate 6.0%. All-time: 8.6% (7,754 of 90,317).DB · sign-ups Jan 2024 – Jun 2026 · n = 15,318
25.5%of submitted applications are sent to a partner. 8,522 never were. Personal 26%, corporate 18% and falling every year.DB · same cohort
94.7%of files sent to a partner get activated. Personal 97%, and on the same day. Corporate 62%, after a median wait of 7 days.DB · same cohort
66.5%of activated clients make a first trade, typically within 8 days (personal) or 5 days (corporate).DB · same cohort
84.7%of first-time traders trade again, typically after 20 days (personal) or 11 days (corporate).DB · same cohort
76%of activated clients who request a quote go on to book. They typically request 18 quotes first.DB · activated since Jan 2024

The line

Twenty-one stations in five phases. The clock under each phase is the honest order of magnitude, not the target. The dotted gaps are where the client waits on us or on the partner.

What the first draft missed

Your list in the brief had 12 boxes. Reading the app code and the funnel analysis turned up these. Each one is either a step nobody owns today or a place where what we intend and what the code does are different.

How to use the wall

The point is not the poster. The point is that every box has a name next to it and a number under it.

1 · Own one box

Each owner writes their name on the card and answers, in one paragraph: what does the client feel here today, and what would the best version feel like? Not features. Feelings and outcomes.

2 · Put a number on it

Most cards say "?" for their metric. Pick one number per box that moves when the box gets better, and get it onto the activation dashboard or a weekly sheet. If it can't be measured, say so on the card.

3 · One improvement per box per month

Small and shipped beats big and planned. Review the wall in the weekly review: which boxes moved, which didn't, which one is the bottleneck this month (today: boxes 8 to 10, the submitted applications nobody picks up).