Work 04 of 9 · Playbook D
Harbor
Send money across borders at the rate you actually see.
- Playbook
- D · Fintech & banking
- Variant
- D · Product-moment bento
- Loud idea
- Product-moment bento
- Type
- Manrope 500 · Inter
Why Harbor
The rate you see is the rate they get
Mid-market rates, one fee up front, and the day it lands before you pay.
Convert at the real rate
The mid-market rate with one fee on top, shown before you pay.
- RateMid-market rate
- 1 USD = 1,532.40 NGN
- Harbor fee (0.45%)
- 11.25 USD
Arrives Thursday, Sep 24
Arrives on the day we quote
The date you see before paying is the date it lands.
96%of 4.1M transfers this year arrived on the day we quoted.
A receipt for every transfer
Amount, recipient and arrival in one document, ready for your records.
Transfer sent
To Adaeze Nwosu, account ending 4821
- Amount
- −2,500.00 USD
- Adaeze receives
- 3,813,760.50 NGN
- Arrives
- Thu, Sep 24
- Reference
HBR-7Q2K-9XM4
Your first transfer, in three steps
Setting up takes about four minutes. After that, sending again takes one.
Add who you’re paying
Their name and bank details, once. In Nigeria, Kenya and Ghana a mobile money number works too.
Lock your rate
See exactly what they’ll receive and the day it lands. The rate holds for 30 minutes while you pay.
Pay, then track it
Pay by bank transfer or debit card. You both get a text when it’s sent and again when it arrives.
Your money is kept apart from ours
Until it lands, every transfer sits in a safeguarded account at our partner bank, separate from Harbor’s own funds. Sending from a new device needs your passkey.
Brief
What it had to do.
- Subject
- International transfers for freelancers and small teams.
- Audience
- People paid in one currency and living in another.
- Job
- Send a first transfer.
- Proof
- The converter, the arrival time and the receipt, shown live.
Token plan
Written before any code.
design.md’s Agent Protocol asks for this table first. Ratios are WCAG 2, measured on the surface each color actually sits on.
| Color | Hex | Role | Contrast |
|---|---|---|---|
| Canvas | #FFFFFF | Page | — |
| Surface | #F5F6F8 | Bento tiles | — |
| Ink strong | #111418 | Headlines | 17.08:1 on tiles |
| Ink subtle | #5F6B7A | Secondary text | 5.02:1 on tiles |
| Trust blue | #1F5FAF | Primary action | 6.34:1 with white |
| Positive | #15803D | Success | 5.02:1 with white |
Decisions
Why it looks this way.
- 01
Each bento tile holds one live product moment: convert, arrive, receipt.
- 02
Amounts are tabular and right-aligned; outgoing money is ink with a sign, never red.
- 03
The blue tile keeps white text on #1F5FAF or darker (6.34:1) — the reference's #6F9FD0 fails at 2.78:1.
- 04
The receipt restates amount, recipient and arrival time, and offers a reference ID with a copy button.