1
The live simulation
A Maya phone in the browser, built from your picks.
Maya Shared Wallet: Prototype Plan
Pick A, B or C for each part. Add notes if you want. Everything saves on its own.
- 1Pick here
- 2I build it
- 3We check it against your doc
- 4We animate it
School project concept. Not affiliated with Maya Philippines. All amounts are placeholders.
What You'll Get
Your doc's goal: a web-based simulation to present in the defense.
A simulation, not a real app. No real money and no Maya login.
2
Demo stories
One guided story per feature. Press Next.
3
Doc check
Every bullet in your doc, matched to its screen.
The Whole Prototype
01
Stage
From your doc's note: What if we make a web-based simulation so we have a prototype to present in the actual defense.
A
Phone only
@username0 XP
WalletSavingsSharedCredit
Paid via Maya QRSplit equally · ₱300 each
−₱1,200.00
Member A owes Member B ₱120.00
IOU · Accounts Payable
Looks most like the real app. You explain the logic out loud.
B
Phone + explainer
Recommended@username0 XP
WalletSavingsSharedCredit
Paid via Maya QRSplit equally · ₱300 each
−₱1,200.00
Member A owes Member B ₱120.00
IOU · Accounts Payable
Step 2 of 5Member A is ₱120 shortMember B has the highest balance, so the ₱120 comes from Member B. An IOU is logged.Next
The phone, plus a side note on what just happened.
C
Desktop web app
More room, but Maya is a phone app.
02
Where It Lives in Maya
A
Its own tab
Recommended@username0 XP
WalletSavingsSharedCreditLoans
₱184,456.00
Across 4 shared wallets
Cash inNew wallet
Maya Get Together4 members
₱5,530.00
Maya Roomies Hub3 members
₱3,986.00
Maya Family Vault4 members
₱18,240.00
Maya Pair2 members
₱156,700.00
Its own tab next to Wallet and Savings.
B
A tile in Services
Services
Cash in
Send money
Bank transfer
Request money
Pay with QR
Secure banking
Credit cards
Easy Credit
Savings
Personal Goals
NewShared Wallet
Personal Loans
Time Deposit Pl...
Wallet cards
Listed with Savings and Personal Goals. Two taps away.
C
Under Savings
@username0 XP
WalletSavingsCreditLoansCards
₱12,500.00
Total savings
DepositTransfer
MORE WAYS TO SAVE
Time Deposit plus
Save for longer and earn up to 5.5% p.a.
Personal Goals
Set a short-term goal and earn up to 8% p.a.
Shared Wallet New
Save and spend with friends, roommates, family or your partner
Inside Savings. Good for goals, odd for bills.
03
Getting Around
A
Wallet list
RecommendedShared wallets
4 wallets you're in
Maya Get Together4 members
₱5,530.00
Maya Roomies Hub3 members
₱3,986.00
Maya Family Vault4 members
₱18,240.00
Maya Pair2 members
₱156,700.00
New shared wallet
One list of all your wallets.
B
Tabs
Shared wallets
4 wallets you're in
FriendsRoommatesFamiliesPartners
₱5,530.00
Maya Get Together · 4 members
Pay with QRMaya Card
Member A owes Member B ₱120.00
IOU · Accounts Payable. Reminder sent to Member A.
Paid via Maya QRSplit equally · ₱300 each
−₱1,200.00
Tabs to switch fast during the demo.
C
Start by creating one
New shared wallet
Step 1 of 3 · Who's it for?
Maya Get TogetherFor friends · split as you spend
Maya Roomies HubFor roommates · bills paid on due dates
Maya Family VaultFor families · limits and approvals
Maya PairFor partners · goals and your own split
Next: name it and invite
Starts with creating a wallet. Slower to demo.
04
Demo Flow
A
Scripted stories
@username0 XP
WalletSavingsSharedCredit
Paid via Maya QRSplit equally · ₱300 each
−₱1,200.00
Member A owes Member B ₱120.00
IOU · Accounts Payable
Story: Maya Get TogetherMain Host makes the walletPay ₱1,200 via Maya QRMember A is shortMember A settles upNext
Press Next and the next part plays.
B
Free play
@username0 XP
WalletSavingsSharedCredit
Paid via Maya QRSplit equally · ₱300 each
−₱1,200.00
Member A owes Member B ₱120.00
IOU · Accounts Payable
You tap Pay, it really pays
Tap anything yourself.
C
Both
Recommended@username0 XP
WalletSavingsSharedCredit
Paid via Maya QRSplit equally · ₱300 each
−₱1,200.00
Member A owes Member B ₱120.00
IOU · Accounts Payable
Story: Maya Get TogetherPay ₱1,200 via Maya QRNextFree play
Story first, free play for questions.
The Four Suggested Features
Same members and amounts in every option.
05
Maya Get Together (For Friends)
From your doc · 1. Maya Get Together (For Friends)
- A designated Main Host creates the Shared Wallet and invites members. Each friend gets their own visible sub-account "bubble" displaying their contributed balance.
- Payments made directly via the Shared Wallet (via Maya QR or Maya Card) are automatically split equally and deducted live from each member's balance.
- If Member A's balance cannot cover their equal share, the system automatically pulls the remaining amount from Member B (the highest balance holder) and instantly logs an automated IOU ("Accounts Payable") on the dashboard between Member A and Member B, sending a push notification to remind Member A to settle.
A
Bubbles
RecommendedInvite
Maya Get Together
For Friends · Member C is the Main Host
Member bubblesContributed balance
AMember A₱0Owes ₱120
BMember B₱2,680
CMember C₱2,100
DMember D₱750
Paid via Maya QRSplit equally · ₱300 each
−₱1,200.00
Member A owes Member B ₱120.00
IOU · Accounts Payable. Reminder sent to Member A.
Bubbles, with a ring showing each friend's money left.
Doc check · 5 of 5 on screen
- Main Host creates the Shared Wallet and invites members
- Each friend's sub-account "bubble" with their contributed balance
- Payments via Maya QR or Maya Card
- Split equally and deducted live
- Shortfall pulled from the highest balance holder, IOU ("Accounts Payable") logged, push notification
B
The split
Invite
Maya Get Together
For Friends · Member C is the Main Host
AMember A₱0
BMember B₱2,680
CMember C₱2,100
DMember D₱750
Paid via Maya QRSplit equally
−₱1,200.00
A
Member A₱180 + ₱120 from Member B
−₱300.00
B
Member B
−₱300.00
C
Member C
−₱300.00
D
Member D
−₱300.00
Member A owes Member B ₱120.00
IOU · Accounts Payable. Reminder sent to Member A.
The payment split comes first.
Doc check · 4 of 5 on screen
- Main Host creates the Shared Wallet and invites members
- Each friend's sub-account "bubble" with their contributed balance (shown as a list, not bubbles)
- Payments via Maya QR or Maya Card
- Split equally and deducted live
- Shortfall pulled from the highest balance holder, IOU ("Accounts Payable") logged, push notification
C
Ledger
Invite
Maya Get Together
For Friends · Member C is the Main Host
A
Member APut in ₱180
₱0.00
B
Member BPut in ₱3,100 · covered ₱120
₱2,680.00
C
Member C · Main HostPut in ₱2,400
₱2,100.00
D
Member DPut in ₱1,050
₱750.00
Member A owes Member B ₱120.00
IOU · Accounts Payable. Reminder sent to Member A.
A plain list of who put in what.
Doc check · 4 of 5 on screen
- Main Host creates the Shared Wallet and invites members
- Each friend's sub-account "bubble" with their contributed balance (shown as a list, not bubbles)
- Payments via Maya QR or Maya Card
- Split equally and deducted live
- Shortfall pulled from the highest balance holder, IOU ("Accounts Payable") logged, push notification
06
Maya Roomies Hub (For Roommates)
From your doc · 2. Maya Roomies Hub (For Roommates)
- Dedicated balance pools inside the wallet for Rent, Electricity, Water, and Internet/Subscriptions, etc.
- Roommates can set automated monthly or bi-weekly auto-debits from their personal Maya Accounts into the shared room sub-accounts.
- Scheduled utility payments (e.g., Meralco, Maynilad, Globe) execute automatically on due dates directly from the shared pool once all members have contributed their share, preventing late fees.
A
By bill
RecommendedMaya Roomies Hub
For Roommates · 3 members ·
Balance poolsAdd pool
Rent₱18,000 · paid
Paid
ElectricityMeralco · ₱3,240 ·
ABC
WaterMaynilad · ₱690 ·
ABC
InternetGlobe · ₱1,500 ·
ABC
Subscriptions₱549 ·
ABC
Paid on the due date once all 3 have contributed.
One row per bill, showing who has paid in.
Doc check · 3 of 3 on screen
- Balance pools: Rent, Electricity, Water, Internet/Subscriptions
- Monthly or bi-weekly auto-debits from personal Maya Accounts
- Scheduled payments on due dates once all have contributed
B
By date
Maya Roomies Hub
For Roommates · 3 members ·
SMTWTFS2728293012345678910111213141516171819202122232425262728293031
PaidBill dueAuto-debit
Member C's auto-debit
₱1,993.00
Meralco · scheduled payment
₱3,240.00
Maynilad
₱690.00
and Globe and subscriptions
₱2,049.00
A calendar of debits and due dates.
Doc check · 2 of 3 on screen
- Balance pools: Rent, Electricity, Water, Internet/Subscriptions
- Monthly or bi-weekly auto-debits from personal Maya Accounts
- Scheduled payments on due dates once all have contributed
C
By person
Maya Roomies Hub
For Roommates · 3 members ·
₱7,993.00
Each person's share in
My auto-debitCash in
A
Member AMonthly · paid
All in
B
Member BMonthly · paid
All in
C
Member CBi-weekly · next
₱6,000 on · ₱1,993 on
Pools
Rent · PaidElectricityWaterInternetSubscriptions
One row per roommate and their auto-debit.
Doc check · 3 of 3 on screen
- Balance pools: Rent, Electricity, Water, Internet/Subscriptions
- Monthly or bi-weekly auto-debits from personal Maya Accounts
- Scheduled payments on due dates once all have contributed
07
Maya Family Vault (For Families)
From your doc · 3. Maya Family Vault (For Families)
- Parents act as Wallet Administrators while dependents (children/elderly parents) are assigned customized roles with individual daily spending limits.
- Every family purchase triggers instant real-time notifications for the Admin, showing who spent what and where.
- Allows members to request immediate fund releases for unbudgeted medical or urgent expenses, approved with one tap by the Admin.
- Automatically aggregates overall household spending into monthly visual breakdowns (Grocery, Utilities, Education, Healthcare) to help families manage their monthly household budget together.
A
Feed first
RecommendedMaya Family Vaultnow
Member C spent ₱85.00 at a grocery store.
Maya Family Vault
For Families · You're a Wallet Administrator
Fund release request · ₱1,850.00
Member D · unbudgeted medical expense
DeclineApprove
LiveToday
C
Member C · GroceryGrocery store ·
−₱85.00
D
Member D · HealthcarePharmacy ·
−₱420.00
B
Member B · UtilitiesMeralco ·
−₱2,300.00
Household spending · ₱25,500.00
BreakdownRequest on top, live spending below.
Doc check · 3 of 4 on screen
- Wallet Administrators and daily spending limits
- Real-time notifications: who spent what and where
- Fund release requests approved with one tap
- Monthly breakdown: Grocery, Utilities, Education, Healthcare
B
People first
Maya Family Vaultnow
Member C spent ₱85.00 at a grocery store.
Maya Family Vault
For Families · You're a Wallet Administrator
A
Member A
Wallet Administrator
B
Member B
Wallet Administrator
C
Member C · Child₱85.00 of ₱200.00 daily spending limit
D
Member D · Elderly parent₱420.00 of ₱500.00 daily spending limit
Fund release
ApproveMember D · ₱1,850.00 · medical
Household spending · ₱25,500.00
BreakdownEach person with their daily limit.
Doc check · 3 of 4 on screen
- Wallet Administrators and daily spending limits
- Real-time notifications: who spent what and where
- Fund release requests approved with one tap
- Monthly breakdown: Grocery, Utilities, Education, Healthcare
C
Budget first
Maya Family Vaultnow
Member C spent ₱85.00 at a grocery store.
Maya Family Vault
For Families · You're a Wallet Administrator
₱25,500.00
Household spending in Monthly breakdown
Grocery₱12,400.00
Utilities₱5,800.00
Education₱4,200.00
Healthcare₱3,100.00
Fund release request · ₱1,850.00
Member D · unbudgeted medical expense
DeclineApprove
The monthly breakdown comes first.
Doc check · 3 of 4 on screen
- Wallet Administrators and daily spending limits
- Real-time notifications: who spent what and where
- Fund release requests approved with one tap
- Monthly breakdown: Grocery, Utilities, Education, Healthcare
08
Maya Pair (For Partners)
From your doc · 4. Maya Pair (For Partners)
- Maya Pair is for couples, spouses, fiancés, or long-term partners who want to manage joint expenses and savings without giving each other full access to their personal balances or private transactions.
- Couples can create separate funds for goals such as travel, a wedding, a home, an emergency fund, or date nights.
- Partners may split contributions equally, contribute fixed amounts, or use a percentage-based arrangement such as 60–40.
- A dashboard shows total shared spending, contributions, unpaid balances, upcoming bills, and savings progress.
A
Goals first
Maya Pair
For Partners · Member A and Member B
Your own balances and transactions stay private
60–40
Wedding₱62,000.00 of ₱250,000.00
25% saved · next deposit
Travel₱18,500 of ₱80,000
Equal
Home₱45,000 of ₱500,000
60–40
Emergency fund₱30,000 of ₱50,000
Fixed ₱2,000
Date nights₱1,200 of ₱3,000
Equal
Goal funds come first.
Doc check · 3 of 4 on screen
- No access to personal balances or private transactions
- Goal funds: travel, wedding, home, emergency fund, date nights
- Split equally, fixed amounts, or percentage (60–40)
- Dashboard: total shared spending, contributions, unpaid balances, upcoming bills, savings progress
B
Split first
Maya Pair
For Partners · Member A and Member B
Your own balances and transactions stay private
How you split contributions
EqualFixedPercentage
Member A put in this month₱14,628.00
Member B put in this month₱9,752.00
Member B owes ₱650.00
SettleUnpaid balance · Date night,
GlobeDue
₱1,899.00
The split comes first.
Doc check · 2 of 4 on screen
- No access to personal balances or private transactions
- Goal funds: travel, wedding, home, emergency fund, date nights
- Split equally, fixed amounts, or percentage (60–40)
- Dashboard: total shared spending, contributions, unpaid balances, upcoming bills, savings progress
C
Dashboard
RecommendedMaya Pair
For Partners · Member A and Member B
Your own balances and transactions stay private
₱24,380.00
Total shared spending in
Member A's contributions₱14,628.00
Member B's contributions₱9,752.00
Member B owes ₱650.00
SettleUnpaid balance · Date night,
Upcoming bill: GlobeDue
₱1,899.00
SAVINGS PROGRESS
₱156,700.00 of ₱883,000.00
5 goal funds
All five dashboard items, in your doc's order.
Doc check · 2 of 4 on screen
- No access to personal balances or private transactions
- Goal funds: travel, wedding, home, emergency fund, date nights
- Split equally, fixed amounts, or percentage (60–40)
- Dashboard: total shared spending, contributions, unpaid balances, upcoming bills, savings progress
Rules the Doc Leaves Open
"As written" is exactly what your doc says.
09
When a Member Can't Cover Their Share
From your doc · 1. Maya Get Together (For Friends), bullet 3
- If Member A's balance cannot cover their equal share, the system automatically pulls the remaining amount from Member B (the highest balance holder) and instantly logs an automated IOU ("Accounts Payable") on the dashboard between Member A and Member B, sending a push notification to remind Member A to settle.
A
Highest balance pays
As writtenOn Member B's phone
Maya Get Togethernow
₱120.00 was taken from your balance to cover Member A's share of a Maya QR payment.
On Member A's phone
Maya Get Togethernow
Member B covered ₱120.00 of your share. You owe Member B ₱120.00. Settle up?
Member B pays automatically, without being asked.
B
Opt-in cover
RecommendedMaya Get TogetherSettings
Cover friends who are shortUp to ₱500.00 per wallet
On Member B's phone
Maya Get Togethernow
You covered ₱120.00 for Member A. ₱380.00 cover left.
On Member A's phone
Maya Get Togethernow
Member B covered ₱120.00 of your share. You owe Member B ₱120.00. Settle up?
Only friends who opted in cover it.
C
Ask first
Maya Get TogetherMaya QR · ₱1,200.00
Member A is ₱120.00 short
Cover it? Member A will owe you ₱120.00.
Not nowCover ₱120.00
The payment waits until Member B answers
Member B is asked first. The cashier waits.
10
When a Roommate Hasn't Contributed Yet
From your doc · 2. Maya Roomies Hub (For Roommates), bullet 3
- Scheduled utility payments (e.g., Meralco, Maynilad, Globe) execute automatically on due dates directly from the shared pool once all members have contributed their share, preventing late fees.
A
Bill waits
As writtenMaya Roomies HubBalance pools
ElectricityMeralco · ₱3,240 ·
ABC
: not paid. Waiting on Member C.
Late fee risk after the due date
The bill waits. A late roommate means a late bill.
B
Reminders, then wait
MayaShow less
Maya Roomies Hubnow
Meralco is due tomorrow. Add ₱1,080.00 to Maya Roomies Hub.
Maya Roomies Hub2d ago
Meralco is due in 3 days. Your ₱1,080.00 share isn't in yet.
On Member C's phone. If they still don't pay, the bill waits.
Reminders go out, but the bill still waits.
C
Cover and IOU
RecommendedMaya Roomies HubBalance pools
ElectricityMeralco · ₱3,240 · paid
Paid
Member C owes Member B ₱1,080.00
IOU · Accounts Payable. Reminder sent to Member C.
The bill pays on time and an IOU is logged.
11
What to Call Dependents
From your doc · 3. Maya Family Vault (For Families), bullet 1
- Parents act as Wallet Administrators while dependents (children/elderly parents) are assigned customized roles with individual daily spending limits.
A
"Dependent"
As writtenMaya Family VaultMembers and roles
A
Member A
Wallet Administrator
C
Member CChild · ₱200 a day
Dependent
D
Member DElderly parent · ₱500 a day
Dependent
Same as your doc. Can sound harsh for a parent.
B
"Member"
RecommendedMaya Family VaultMembers and roles
A
Member A
Wallet Administrator
C
Member CChild · ₱200 a day
Member
D
Member DElderly parent · ₱500 a day
Member
Same limits, softer label.
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Saves as you go.