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Urbiqo

Case Study · UX/UI & Product Design

Urbiqo: Fixing trust issues

How excluded tenants and risk-averse hosts end up on the same platform

Status

In development: Launch Q3 2026

In development (Launch Q3 2026)

Role

Role

Product designer (UX/UI)
End-to-end: research, problem framing, flows, system design, visual design

Timeline

Timeline

4 months

Focus

Focus

Trust & transparency

Context & challenge

The context:
Madrid's rental paradox

Madrid is booming, yet the rental market is constrained. Outdated filters like permanent contracts fail to recognise modern realities. This locks out solvent tenants and leaves hosts with a limited, homogenised pool of candidates.

The challenge:
The paperwork wall

Freelancers and expats face closed doors. An estimated 70% of solvent applicants are blocked simply for lacking a standard payslip. Hosts are trapped too, as they rely on rigid paperwork to mitigate risk rather than verifying actual trust.

The objective:
Designing for trust

The aim is to replace paperwork with verifiable trust signals, so hosts can decide on actual evidence and solvent non-traditional tenants can get through the door.

Mapping the full journey

Before designing any screens, I mapped the complete user flow for both tenants and hosts, covering every decision point from first login through verification, application and payment. This became the source of truth for prioritising which screens to design first. The flow also fixed three rules the rest of the product had to honour: browsing stays open without an account; verification becomes mandatory at the point of applying or listing; a verified profile is reusable across applications.

User flow

Swim lanes

Market positioning map analyzing the competitive landscape during the rebranding phase. The client (labeled here by their former name, Arcano) is positioned as the most 'Specialized' player in the market, occupying a unique niche compared to mass-market competitors like Idealista and full-service providers like Vitalhouse."Market positioning map analyzing the competitive landscape during the rebranding phase. The client (labeled here by their former name, Arcano) is positioned as the most 'Specialized' player in the market, occupying a unique niche compared to mass-market competitors like Idealista and full-service providers like Vitalhouse."

Two sides, one problem

Icon of person representing tenant persona

The tenant

he freelancer or expat with stable annual income but no fixed monthly contract. Stalls at the upload screen because the form expects a payslip they don't have. Needs the system to read alternative proofs as legitimate evidence.

Icon of person representing landlord persona

The host

Has to weigh the cost of an empty month against the cost of an unpaid month. Uses rigid paperwork as a proxy for reliability because nothing better is on offer. Needs a signal that doesn't filter out good tenants for the wrong reasons.

The difference

Validating reliability, not just salary.

Urbiqo app screenshot showing verification options screen with document upload and profile sections
Urbiqo app screenshot showing verification options screen with document upload and profile sections
Urbiqo app screenshot showing verification options screen with document upload and profile sections
Urbiqo app screenshot showing verification options screen with document upload and profile sections

01

Verification

Fairer screening

Replaced rigid salary requirements with alternative proofs (bank statements, invoices) to unlock housing for the gig economy. Considered employer letters and tax returns; both lag actual cash flow. Bank statements and invoices reflect it in real time, and validate through OCR with manual review for edge cases.

Alternative Data

Fair Access

Service blueprint diagram for the Urbiqo verification flow. The visual maps 'Frontstage' user actions (UI screens) against 'Backstage' system logic, illustrating conditional workflows for freelancers, OCR input validation, and automated risk scoring rules that trigger manual review.
Service blueprint diagram for the Urbiqo verification flow. The visual maps 'Frontstage' user actions (UI screens) against 'Backstage' system logic, illustrating conditional workflows for freelancers, OCR input validation, and automated risk scoring rules that trigger manual review.

A service blueprint mapping the conditional backend logic that adapts verification requirements to the user's status (e.g., accepting invoices for freelancers), ensuring inclusivity is hard-coded into the system.

Urbiqo app screenshot showing verification options screen with document upload and profile sections
Urbiqo app screenshot showing verification options screen with document upload and profile sections

01

Verification

Fairer screening

Replaced rigid salary requirements with alternative proofs (bank statements, invoices) to unlock housing for the gig economy. Considered employer letters and tax returns; both lag actual cash flow. Bank statements and invoices reflect it in real time, and validate through OCR with manual review for edge cases.

Alternative Data

Fair Access

Service blueprint diagram for the Urbiqo verification flow. The visual maps 'Frontstage' user actions (UI screens) against 'Backstage' system logic, illustrating conditional workflows for freelancers, OCR input validation, and automated risk scoring rules that trigger manual review.
Service blueprint diagram for the Urbiqo verification flow. The visual maps 'Frontstage' user actions (UI screens) against 'Backstage' system logic, illustrating conditional workflows for freelancers, OCR input validation, and automated risk scoring rules that trigger manual review.

A service blueprint mapping the conditional backend logic that adapts verification requirements to the user's status (e.g., accepting invoices for freelancers), ensuring inclusivity is hard-coded into the system.

Urbiqo app screenshot showing verification options screen with document upload and profile sections
Urbiqo app screenshot showing verification options screen with document upload and profile sections
Urbiqo app screenshot showing verification options screen with document upload and profile sections
Urbiqo app screenshot showing verification options screen with document upload and profile sections

01

Verification

Fairer screening

Replaced rigid salary requirements with alternative proofs (bank statements, invoices) to unlock housing for the gig economy. Considered employer letters and tax returns; both lag actual cash flow. Bank statements and invoices reflect it in real time, and validate through OCR with manual review for edge cases.

Alternative Data

Fair Access

02

Trust

Humanising the transaction

A verified Urbiqo profile is shared with the host before any meeting. Both sides see the same verification card: email, phone, ID and background check. Hosts also declare their relationship to the listing (owner, tenant or intermediary), so applicants know who they're dealing with. Trust starts visible, on both sides, before anyone schedules a viewing.

Verified profile

Mutual verification

Urbiqo app screenshot showing verification options screen with document upload and profile sections

Demystifying the Process

The rental market is usually overwhelming. I designed the landing page to act as a calming filter, breaking the complex verification journey into four simple, linear steps. This reduces cognitive load before the user even creates an account.

03

Clarifying

Onboarding

Simplification

Urbiqo platform mockups showing onboarding flow and property listing screens

03

Clarifying

Demystifying the process

The rental market is usually overwhelming. I designed the landing page to act as a calming filter, breaking the complex verification journey into four simple, linear steps. This reduces cognitive load before the user even creates an account.

Onboarding

Simplification

Where Urbiqo sits

I mapped the Madrid rental market across two axes: complexity of service and target market specialisation.
The gap was that no platform combines trust-based verification with accessible pricing for freelancers, expats and non-traditional tenants.

Market positioning

Competitive landscape

Market positioning map analyzing the competitive landscape during the rebranding phase. The client (labeled here by their former name, Arcano) is positioned as the most 'Specialized' player in the market, occupying a unique niche compared to mass-market competitors like Idealista and full-service providers like Vitalhouse."Market positioning map analyzing the competitive landscape during the rebranding phase. The client (labeled here by their former name, Arcano) is positioned as the most 'Specialized' player in the market, occupying a unique niche compared to mass-market competitors like Idealista and full-service providers like Vitalhouse."

Built for trust

Urbiqo design system mockup showing brand identity, typography, colour palette, and mobile UI screensUrbiqo design system mockup showing brand identity, typography, colour palette, and mobile UI screens
Light imageDark image

Behind the screens

The system underneath the product.

Tokens, components, variable theming for dark mode and English/Spanish localisation. Built alongside the product, kept as its own reference.

View the design system →

Design tokens

Variable modes

What I learned

This project is currently in development, with the launch targeted for the beginning of Q3 2026. That means there are no validated metrics yet, so I want to be honest about what this case study represents: product definition and design work, not measured outcomes.

Working on Urbiqo taught me three things:

  • First, designing for two-sided trust is fundamentally different from designing for a single user type. Every decision that reduces friction for tenants (fewer documents, faster verification) increases perceived risk for hosts. Balancing those tensions shaped the entire product structure.

  • Second, the gap between a founder's concept and a buildable product is larger than it looks. The founder had a clear vision for what Urbiqo should feel like. Translating that into conditional verification logic, system states and edge case handling was where most of the actual design work happened.

  • Third, I underestimated how much the visual design system would need to carry trust on its own. In a platform where users are sharing personal documents and financial information, every colour choice, every micro-interaction, every piece of copy either builds or erodes confidence. I'd spend more time on that layer if I were starting again.

Status & next steps

Q3 2026

Live release

10.000

Projection of listings 1st year

50.000

Growth goal 2027

The bet is that replacing rigid contract requirements with reputation-based signals will open the market for both sides. That's unproven until launch, but the logic holds: if you can verify reliability without demanding a permanent contract, you give hosts confidence and tenants access.

Want to know more about how this was built?

Want to know more about how this was built?

Let's talk about your next project.

Witty Wolf Design

By Marco Ramos Steinfort
By Marco Ramos Steinfort
By Marco Ramos Steinfort
Copyright Witty Wolf Design 2026