Joe Kelly

Software Engineer
Product & UI Designer
Writer @joekelly100 on medium.com
Author of
A Book Of The Way
paywithcurl.com
Co-founder &
Head of Product
June 2016 - 2020
Mission

Get rid of the old, expensive, fraud-ridden card system and introduce a new era of ‘Smart Payments’ with much lower fees for merchants and better payment experiences for customers.

What?

Curl is an upgrade to the way we pay which doesn't use cards — a completely new payment network designed from scratch to serve people and businesses instead of banks and card companies.

How?

Curl works by @usernames and by turning your phone into a smart remote control for your bank account. You make Smart Payments by telling your own bank account @who to send money to, and how much.

Basic features include: no sensitive information exchanged at any time (even for online checkouts) and automatic handling of loyalty and discounts like buy 6 coffees get your 7th free.

In your regular places, e.g. coffeeshop or lunch spots, you can turn on Hands Free so everything about your payment is taken care of in the background and you just receive a push notification when it's done.

What I do
Product design

I'm responsible for the overall design of Curl as a product — how it works, what it looks and feels like, and ultimately the value it produces for the people and businesses using it.

iOS + Android

I lead the design of 2x mobile apps to turn your phone into a smart remote control for your bank account(s).

Web checkout

We made an e-commerce checkout flow with no forms, no logins, and no sensitive information exchange.

Point-of-sale

We made a merchant app for taking Curl payments in shops. It shows the shopkeeper a live list of nearby customers and reminds them of names and what each person's regular order is.

APIs

As a product guy, I get my hands dirty down to the wire. These interfaces matter — they can have major implications for the people using the product and those working on it.

Communicate

Nothing beats understanding. Good product management means making sure the whole team knows what we're trying to achieve with each feature and, more importantly, why.

Simplify

Complicated plans tend to create more problems than they solve. Good plans are simplified as much as possible and leave room for adaptation.

Measure

‘You make what what you measure’. Good task definitions are as specific as possible about goals, risks, and outcomes. And Trello is a good thing.

iOS app
Swift

Written exclusively in Swift, it has a redux architecture and makes extensive use of event sourcing and public-key crypto.

Point-of-sale app
Javascript - HTML - Sass

A fullscreen web app for taking Curl payments in shops, designed to run on any mobile device. This ‘Sidecar’ device sits next to the shop's main point-of-sale like a card machine, but better.

Web checkout
Javascript - HTML - Sass

An e-commerce plugin for paying with Curl from any website — no forms, no passwords, and no sensitive information exchanged.

Website
Javascript - HTML - Sass

The public website needed coding too. In olden times, when dial-up modems used to make cool noises, they'd've called me the webmaster.

Goodbye cards 🔗 medium.com

Curl mission statement — I wrote a blog post which says why Curl is here and what problem we're solving.

Terms and conditions 🔗 paywithcurl.com

Human-readable T&C's — it's good to cut through the legalese and (try to) add a bit of life and humour instead.

Privacy policy
🔗 paywithcurl.com

A straightforward explanation of how your data is protected as a Curl user.

Website
Payment Request
Payment Request (Perks Tab)
Payment Request & P2P Payment
Homescreen
Receipt
Receipt (Perks)
Settings
Going Hands Free
COVID-19: Two Threats, One Path, No Good Solutions
COVID-19 Risk Assessment May 2020.

“The coronavirus (SARS-CoV-2) has invaded our way of life and forced us into a brutal double bind where we have to navigate two highly destructive threats simultaneously—one biological, one economic.”
Series: How To Kill Bitcoin
A deep dive into the game theory that (they say) secures Bitcoin, and a strategy to disrupt it—ruining the system’s incentives, operating mechanisms, and end-user value proposition to bring about its death.
Series: On Bitcoin’s Fee-Based Security Model
An analysis of Bitcoin’s proof-of-work security mechanism, how it works, and the latent systemic risks that it creates.
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Please write to joe@joekel.ly