Adro is a digital banking platform built for newcomers to the U.S., such as international students and workers who often struggle to access banking services upon starting their new life due to lack of a Social Security Number or credit history.
Newcomers to the U.S.-including international students and workers-face significant barriers to accessing essential banking services. Traditional banks require a Social Security Number or U.S. credit history, which most newcomers lack, leading to stress, confusion, and exclusion from the financial system.
Existing solutions are often complex, unwelcoming, or inaccessible before arrival, making it difficult for newcomers to manage money, build credit, or feel financially secure from day one.
Through an inclusive onboarding experience that made it easy to open an account without an SSN and transfer money from a local bank to the U.S. upon arrival, the MVP delivered promising results:
total pre-seed funding secured through additional investment
onboarded from 110+ countries, including a strong cohort of international students from 300+ U.S. schools
account opening completion rate within the first 90 days
of users who initiate a transfer to the U.S. within the first 90 days
How might we...
Adro Mobile App Overview
Splash Screen, Home, Perks and Rewards
A clear and guided onboarding journey
The onboarding flow is broken into key steps with visual progress indicators, simple language, and time estimates. Each screen focuses on a single task to reduce cognitive load and help users feel confident as they move toward completing their account setup.
Account Selections
Users choose between account types using an accordion layout with clear tags and benefit highlights. This design helps users compare options quickly and make informed decisions with confidence.
Behind the scene
From defining tone of voice and visual direction to building UI components, typography styles, and tokenized variables for light/dark mode. The UI variable library setting up to ensures consistency, scalability, and adaptability across the Adro platform.
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