Designing Smart Global Payout Flow for Contractors Paynetic - AI-Powered International Payment Platform

Context: This is a UX design assignment completed in 6-10 hours to demonstrate my product design process, AI integration strategy, and systems thinking for a B2B fintech platform.

Problem & Business Context

Global companies waste $150K-$300K annually processing international contractor payments:

• Finance teams spend 15+ hours/week on manual data entry
• 4-6 platforms required (bank transfers, PayPal, crypto, wire services)
• $100K+ overspent on fees due to poor FX timing and platform fragmentation
• Fraud risk: Companies lose $15K-$50K per incident due to lack of anomaly detection
• Compliance penalties: $50K-$500K for missed tax filings across 40+ countries

Target Market

ICP: Tech companies, agencies, consulting firms with:

• 50-5,000 employees
• 20-500 international contractors
• $500K-$50M annual contractor spend
• Operating in 5+ countries

Primary User: