Roman Prigodskii

Work

Alfa-Romeo

Internship at Alfa-Bank Built during the internship, as a concept of what a bank becomes by 2035.

Source on GitHub

One passport, every profile a life needs, roubles and crypto in one balance, and an AI that works as a copilot rather than a chat window.

screens
93
the largest action the copilot may carry out
₽100,000
a business payment over this needs two signatures
₽500,000
cash-flow forecast
90 days

Personal

  1. The copilot, introduced first
  2. Roubles and crypto, one total
  3. A crypto account
  4. Crypto and digital assets
  5. A limit that shows its reasons
  6. Support, coach and agent in one chat

Business

  1. A cash gap, seen two weeks early
  2. Acquiring
  3. The team, and a second signature
  4. The AI accountant’s ninety days
  5. Personal and business, one passport
Pick a screen to stop on it. The demo as it runs. Every name, balance and date on these screens is demo data.

The bank of 2035

In 2035 your bank is also your mobile operator, your accountant and your crypto exchange. One passport opens as many profiles as a life needs: personal, business, a budget shared with a spouse, a child’s card. Roubles, the digital rouble and crypto sit in one balance, because by then nobody should care which rail the money took. Even the cashback is flexible: it can arrive in gigabytes.

One passport

  • Personal
  • Business
  • A budget shared with a spouse
  • A child’s card
  • Roubles
  • The digital rouble
  • Crypto

One balance

Schematic: one passport opens four profiles, personal, business, a budget shared with a spouse and a child’s card; roubles, the digital rouble and crypto end in one balance.

What actually runs

The rates are live, from the Bank of Russia’s daily fixing and from CoinGecko. The copilot is Claude behind guardrails: it drafts the action and waits for a yes, and when there is no key or no network a deterministic stand-in takes over, so the demo never falls over halfway through a pitch.

The wallet is a closed economy on Postgres: sign up with a phone number and send play roubles, or play crypto, to another phone.

The copilot’s limits, in roubles

Up to ₽100,000, the copilot carries an action out after a yes. Over ₽500,000, a business payment waits for a second signature.

What the copilot may carry out, and when a business payment waits for a second signature, by amountA logarithmic scale of roubles from 100 to 2,000,000. The copilot drafts an action and carries it out after a yes, up to 100,000 roubles, the largest action it may carry out. A business payment over 500,000 roubles waits for a second signature.The copilotdrafts the action and waits for a yesA business paymentin Romeo Businesscarries it out after a yesover its limitone signaturetwo signatures₽100₽1,000₽10,000₽100,000₽500,000₽1,000,000
What the copilot may carry out, and when a business payment waits for a second signature, by amountA logarithmic scale of roubles from 100 to 2,000,000. The copilot drafts an action and carries it out after a yes, up to 100,000 roubles, the largest action it may carry out. A business payment over 500,000 roubles waits for a second signature.The copilotdrafts the action and waits for a yesA business paymentin Romeo Businessafter a yesone signaturetwo₽100₽1k₽10k₽100k₽500k
₽100,000
Drag the cursor to any amount. Amounts on a log scale, from ₽100 to ₽2,000,000.

A loan that explains itself

The credit screen does not stop at yes or no. It shows the three factors behind the limit, then lets you ask what if: close that credit card, and watch the limit recount.

The credit screen: the limit at the top, the three factors behind it, and what-if steps that recount it.
  1. The limitnot a yes or a no
  2. The three factors behind it
  3. What ifclose that credit card, and watch the limit recount
The credit screen, on demo data.

The business half

Romeo Business lives in the same app.

Accounts
With crypto treasuries
Acquiring
By payment link, QR, NFC and terminal
Stablecoins
Converted to roubles on arrival
The team
Any payment over ₽500,000 waits for a second signature
The AI accountant
Draws the next ninety days of cash flow and points at the gap two weeks before it opens