Easel

Designing for irreversible financial commitment in illiquid markets.

Designing for irreversible financial commitment in illiquid markets.

Designing for irreversible financial commitment in illiquid markets.

Context

Easel explores what happens when people encounter artworks not just as objects to admire, but as assets they can partially own.

Unlike traditional investments, artworks do not have clear pricing logic, predictable outcomes, or immediate feedback.

TImeline

15 weeks

role

Individual

SCOPE

End to end decision flow

Problem Statement

Users make high-commitment financial decisions influenced by quick digital interactions, often leading to premature commitments in illiquid markets before understanding constraints. This project focuses on improving decision quality before irreversible commitment, not predicting asset performance.

Research Insights + Interviews

Based on 3 user interviews, synthesis, and lightweight flow testing, recurring decision risks shaped the flow.

P1 Beginner

observations

>Focused on artwork appeal and surface cues before assessing ownership constraints.

>Thought everything that is bought can be sold at any time.

DEsign Implication

>Separate artwork exploration from commitment review and delay irreversible actions.

>Explicit yet simple illiquidity related reminders.

P2 Retail Investors

observations

Understood the investment framing but skimmed liquidity and exit-related terms when presented as dense text.

DEsign Implication

Move key constraints into a structured review step before authorization.

P3 Institutional Investors

observations

Checked if commitment, recordkeeping, and ownership remained consistent post-execution.

DEsign Implication

Design commitment as a persistent system state across authorization, receipt/history, and portfolio state.

Synthesis

Across profiles, attraction and commitment collapsed into one moment unless the flow separated exploration, review, and authorization.

Iteration Proof

A key change in the flow came from separating attraction from commitment comprehension.

Observed issue

Users overlooked liquidity and ownership constraints when artwork details, commitment actions, and unit selection were combined on the same screen.

Change made

I separated the flow into distinct stages: Artwork Detail (exploration), Commitment Setup (unit selection), Review, and Authorization.

Result in flow

Evaluated the flow by checking whether commitment, recordkeeping, and ownership state stayed consistent after execution.

BEfore

Exploration and commitment setup were compressed into one state, which reduced constraint visibility.

After

The flow was split into separate stages so setup, review, and authorization happen in sequence.

SYstem Response

>Commitment is removed from discovery.

>Risk interpretation happens before authorization.

>Execution is treated as a state transition, not a tap.

1

Awareness

Understanding

2

Constraints

3

Commitment

4

Browsing Without
Commitment

Exploration is allowed before any commitment is possible.

Browsing Without
Commitment

Exploration is allowed before any commitment is possible.

Contextual Evaluation

Exploration remains unrestricted prior to formal review.

Contextual Evaluation

Exploration remains unrestricted prior to formal review.

Continued…

This section shifts the user from artwork appreciation to decision preparation.

Continued…

This section shifts the user from artwork appreciation to decision preparation.

Commitment Setup

This step captures the user’s adjustable commitment input before the flow enters the final review state.

Commitment Setup

This step captures the user’s adjustable commitment input before the flow enters the final review state.

Review Before Commitment

Key details and constraints are consolidated here before any irreversible action is allowed.

Review Before Commitment

Key details and constraints are consolidated here before any irreversible action is allowed.

Irreversibility is Explicit

>Authorization is the final irreversible state.

>No adjustable inputs remain beyond this point.

Irreversibility is Explicit

>Authorization is the final irreversible state.

>No adjustable inputs remain beyond this point.

Execution Recorded

Authorization transitions the asset from intent to ownership.

Tradeoffs Considered

Where should friction happen?

(A) Add friction during browsing/artwork exploration

(B) Add friction only at the commitment boundary

Chosen direction

Friction at moments of risk, not attraction

Why not the alternative

Early friction reduced exploration quality and made the product feel prematurely transactional.

How should constraints be presented?

(A) Present risk/ownership terms as dense disclosure text

(B) Convert key constraints into a scannable review state

Chosen direction

Authorization is a distinct irreversible state

Why not the alternative

Allowing edits during confirmation blurred the boundary between setup and commitment.

Where should friction happen?

(A) Add friction during browsing/artwork exploration

(B) Add friction only at the commitment boundary

Chosen direction

Friction at moments of risk, not attraction

Why not the alternative

Early friction reduced exploration quality and made the product feel prematurely transactional.

SySTem COntinuity

Commitment persists as a system state across authorization, receipt/history, and portfolio state.

Post-Execution State

Following authorization, the position remains recorded and reflected over time.

Cross-Platform Navigation

Core navigation remains persistent across discovery, portfolio state, and market context without disrupting active decisions.

Commitment Is a System State.
Not a Button

Commitment Is a System State.
Not a Button

Digital Shouldn’t Always Mean Instant

Some decisions shouldn’t be fast. Some decisions shouldn’t feel reversible.

Some decisions shouldn’t be fast. Some decisions shouldn’t feel reversible.

Easel explores how to design systems
that slow users down when commitment is permanent.