Concept: Janus

Consumers have little control over how merchants access their payment credentials after checkout. Cancelling subscriptions often requires replacing an entire bank card, fraudulent merchants can continue charging saved cards, and a single compromised card affects every connected service. Existing banking applications offer virtual cards as secondary features, but they rarely provide merchant-level isolation or intuitive management. The challenge was to design a product that makes payment compartmentalization effortless while maintaining a premium, approachable user experience.