Crypto Payment Gateway For OnlyFans

UX Case Study - Summer 2021

Overview

The challenge for this 3-week project was to develop a new feature for an existing company based on an area I would like to explore. I decided to focus on cryptocurrency because it's an exciting new area of the internet that will face a lot of challenges onboarding new users. To fulfill the assignment, I produced the following deliverables:

I followed the four D's of design: discover, define, develop, deliver - also known as the Double Diamond Design Process.

Double Diamond Design Process

The Client

When I started the assignment, JP Morgan Chase, Bank of New York Mellon, and the U.K.'s Metro Bank had cut off OnlyFans' ability to pay adult content creators. Consequently, the creators were scared that they would lose their livelihood, so I sought to design an alternative payment route. I felt that it was vital to try to negate the stress users experienced.

OnlyFans is a content subscription service where content creators earn money from fans who subscribe to their content. The site has 2 million creators and 130 million users.

From a user interview, I learned that OnlyFans was important and different from other platforms because it centralized paywalls (for subscriptions), places for users to unlock content at a price (pay-per-view/ tipping), content stores, and live streams. It became popular during the pandemic when many users lost their jobs.

I defined the problem statement later in the process, but here it is upfront for ease of reference: 

Problem Statement: 

JP Morgan Chase, Bank of New York Mellon, and the U.K.'s Metro Bank had cut off OnlyFans' ability to pay creators. Although OnlyFans negotiated a new financial agreement, OnlyFans' adult content users need an alternative payment gateway to safeguard their content (and careers) on the platform.

Discover

Because cryptocurrency payment gateways are a new technology, I relied heavily on research. Before starting, I defined the questions I needed to answer:

Market Research

Through my secondary research, I learned about the company's relationship to banking institutions and how this could be problematic. In addition, I tried to "read the room" to evaluate if users were ready to try using cryptocurrency as currency.

The main things I discovered through secondary research include:


The research was invaluable and made me confident that the technology was available, and this might be a good time and platform to onboard users to crypto-transactions. However, first, I needed to explore how users felt about cryptocurrency and understand why it isn’t regularly used as currency.
Example of bad design.

Competitive Analysis

I looked at other companies' banking/ wallet connect and transaction sequences for inspiration. Humans love the familiar. Well, except when it's badly designed or inconvenient.

I researched
  • Etsy and Overstock because they accept Bitcoin payments

  • Stripe and PayPal because they are the behemoths of e-commerce
  • Time Magazine because they are subscription service that accepts cryptocurrency
  • Foundation (an NFT platform) because they onboarded new crypto users to e-wallets
  • Pornhub because they were put in the same predicament as OnlyFans last year and now accept crypto.
  • MyyStar because they are a trendy rising competitor
  • StayFocused because they use Coinbase's API

User Survey

During a survey, I tried to understand users' relationships to cryptocurrency

Very few users purchased crypto to buy goods. However, although a user has not purchased an item with crypto before, it doesn’t mean he or she would not in the future.

Users would be more motivated to spend cryptocurrency if it was convenient.

User Interviews


During the user interviews, I focused on understanding the audience, how people use Onlyfans, and whether they would be open to cryptocurrency transactions.

The results of the interviews were valuable because they gave me deep insight into the users' motives for using OnlyFans. Some key feedback includes: 

Define


The second stage of my project was to synthesize all my research as a primer for the design solutions.

Potential Pain Points

The results of my research, survey, and interviews confirmed the most significant pain point would be the novelty of the cryptocurrency checkout sequence. Users feel hesitant to use cryptocurrency like fiat currency.

Personas

The interviews also helped me identify two major user types - a creator and a subscriber.

Problem Statment

Through understanding my personas and predicament of the company, I was able to define a clear problem statement.


Ultimately, adult content users on OnlyFans need an alternative payment gateway, like cryptocurrency, because of the negative bias from financial providers.

JP Morgan Chase, Bank of New York Mellon, and the U.K.'s Metro Bank had cut off OnlyFans' ability to pay creators. Although OnlyFans negotiated a new financial agreement, OnlyFans' adult content users need an alternative payment gateway to safeguard their content (and careers) on the platform.

Develop


The third stage of the design project is the development, where hypothesizes are created, prototyped, tested, and iterated.

I brainstormed some areas which I need to explore and develop in the ideation phase:

  1. Implement an existing digital currency API to hold and exchange cryptocurrency

  2. Enable users to fill their OnlyFans wallet with cryptocurrency
  3. Enable users to accept payments with an e-wallet
  4. Allow creators to set default payment preferences  
  5. Allow users to sidestep transaction fees by avoiding exchanges between coins

Why Coinbase?


I chose to use Coinbase's API because

  1. Its user desirability - its popular and easy to use.

  2. Its technical feasibility - after talking to an engineer, he reassured me that it would be accessible to implement.
  3. Its business viability - its inexpensive and overall seems like an excellent growing company to partner with.
  4. Its popularity with successful businesses - companies like Overstock use it

Ideation


I started my ideation process by understanding current customer journeys. I'm not an OnlyFans user, so I wanted to understand subscriber's and creators' paths on the site. Then, I tried to understand the Coinbase API sequences. I sketched flows on paper. I integrated the two flows into a low-fidelity prototype.

Customer Journeys

I narrated the the customer journeys. Then I copied the existing screens to make my task flows.

To view the full stories, please click below.

View Journey Maps

Delivering High-Fidelity Prototypes

I built a few prototypes that illustrated adding cryptocurrency to an OnlyFans wallet (subscriber perspective) and linking a Coinbase e-wallet (creator perspective.)

Usability Testing & Iterations

It was challenging to find people to interview because I needed users who 1) spend crypto and 2) subscribe to OnlyFans.  It wasn't easy because both groups often remain anonymous.  I had some luck learning about user experiences through Reddit, but it was hard to turn those conversations into 1:1 usability interviews.  However, I found two participants and asked them to click through my prototype.

There were a few designs I wasn't sure about, so I did some A/B testing  to determine which layout was more delightful and intuitive. For example, in the model below, the user adds funds to their wallet by clicking on the $10, $20, $50, $100. Here, I wasn't sure how to ask the user for their preferred payment method. Should the prompt remain in the same frame or generate a new one?

In Design Option 1, I included a drop down with payment options.


In Design Option 2, a pop up appears with payment options.


The two users liked Design Option 2 because it was more informative and felt more familiar.

Additionally, I learned that they want the USD and crypto amounts next to each other while choosing a wallet to link. Users also mentioned it would be helpful to have a way to go to Coinbase to add funds if they are low.

I updated the prototype to reflect their feedback.

Original
Updated

Responsive Design

I started designing for desktop because I learned from my research thats is  how most viewers accessed the site.  However, I wanted to confirm the features would work for mobile, so I created mobile prototypes.

Next Steps

If I had more time for the assignment, I would continue with usability testing. I've conducted qualitative research but to understand the scale and severity of this problem space, I would need quantitative research.

I've been reading about the endowment effect (also known as loss aversion in economics), and I would love to explore how products overcome this and apply it to spending cryptocurrency.

Lessons Learned


There are many lessons I learned throughout this project.

When designing for new technology, there might not be an exact replica to copy, but a designer can look at similar products for reference. For example, there are checkout sequences with cryptocurrency, but most involve getting your phone out and putting in a QR code. Therefore reviewing non-cyprto payment gateways like Paypal and Stripe was helpful.

Rather than recreating the wheel, there might already be a third-party solution to affix. Connecting an API was way more reasonable than reengineering a whole payment system.

Technology changes fast. Since completing the case study, new e-wallet technology is available. I've found other wallet connects like MoonPay that might work better at onboarding the nontechnical user. I've learned that Coinbase's wallet collect applies a service fee if you move coin across your Coinbase account.

The room changes too. Now, people are spending crypto more because NFTs became popular.

I've learned a lot more about web3. I've discovered gas fees might be too expensive for this to work. For example, moving ETH is costly, but perhaps things will work better when ETH moves from PoW to PoS.

Its a very exciting space for UX right now!